March 26, 2026
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Best Invoice Financing Lenders for the Security Services Industry

Discover the best invoice financing lenders tailored for the security services industry. Get quick access to funds and improve your cash flow with trusted UK lenders.
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Best Invoice Financing Lenders for the Security Services Industry
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Invoice Financing Lenders for the Security Services Industry

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-23.

1. Funding Agent

Funding Agent provides a brokerage platform focused on comparing business finance options quickly for UK SMEs. It typically serves businesses looking for accessible funding with straightforward terms and no collateral requirements. The service emphasizes speed and ease in matching eligibility and finance types.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Barclays

Barclays is a major UK bank providing secured and unsecured loans with various repayment options suitable for businesses requiring substantial funding. Typical borrowers include established companies, including franchises in the security sector. The lender offers competitive rates with flexibility depending on credit and collateral provision.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.2%
  • Max APR: 34.5%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: secured loans, unsecured loans
  • Industries: General business, Security services

Pros

  • Trusted bank
  • Wide range of loan products

Cons

  • High APR for small loans

Sources: Source

3. Novuna

Novuna is a finance provider offering flexible business loans tailored to UK companies, with an emphasis on fast funding decisions. It suits businesses with a good credit profile seeking simple loan structures without hidden fees. Novuna provides a range of repayment options with moderate application requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £100,000
  • Min APR: 6.9%
  • Max APR: 36.4%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: business loans
  • Industries: Various, Security services

Pros

  • Fast decisions
  • Flexible repayment

Cons

  • Limited to business with good credit

Sources: Source

4. Close Brothers

Close Brothers offers flexible funding including asset finance, hire purchase, leasing, and refinancing options that support SME growth. It typically serves businesses that prefer fixed asset-backed loans with tailored terms. Suitable for companies needing a range of finance options with variable security requirements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £100,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: asset finance, business loans
  • Industries: SME, Security services

Pros

  • Flexible options
  • SME focused

Cons

  • APR can be high depending on credit score

Sources: Source

5. Lloyds Bank

Lloyds Bank provides fixed-rate business loans with an emphasis on financial stability and predictability. It generally suits UK SMEs requiring straightforward repayment schedules and transparent terms. The bank offers products aimed at those who prioritize security and fixed interest costs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 11.2%
  • Loan Duration: 12–48 months ⌛

Services & Industries

  • Finance Types: business loans
  • Industries: General business, Security services

Pros

  • Stable interest rates
  • Transparent terms

Cons

  • Limited loan amounts
  • Higher starting APR

Sources: Source

6. Time Finance

Time Finance specialises in asset finance, invoice finance, and business loans with a wide range of funding levels, offering flexible terms suited for diverse UK businesses. It is targeted at companies needing tailored financing solutions with variable repayment options and security levels. Speed and high maximum loan amounts are key features.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £15,000,000
  • Min APR: 11.5%
  • Max APR: 15%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: asset finance, invoice finance, business loans
  • Industries: General business, Security services

Pros

  • Wide range of finance options
  • High maximum loan amount

Cons

  • Specific eligibility requirements

Sources: Source

7. Rosewood Finance

Rosewood Finance provides commercial and business loans aimed at diverse industries including security services. It suits businesses seeking low fixed-rate commercial finance with structured repayment plans and thorough credit assessments. The provider supports large loan amounts with clear eligibility criteria.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £15,000,000
  • Min APR: 6%
  • Max APR: 6%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: business loans, commercial loans
  • Industries: Commercial, Security services

Pros

  • Low starting APR
  • Supports large loans

Cons

  • High minimum borrowing
  • Strict credit assessment

Sources: Source

8. Maf Finance Group

Maf Finance Group offers secured and unsecured business loans with flexible terms designed for multiple industries including security services. It is suitable for SMEs needing customizable financing solutions with variable APR and repayment plans. The group aims to accommodate different credit profiles with tailored lending.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: secured loans, unsecured loans
  • Industries: Multiple industries, Security services

Pros

  • Customizable loans
  • Flexible terms

Cons

  • APR varies widely
  • Higher rates for poorer credit

Sources: Source

9. Capify

Capify specialises in providing fast, flexible small business loans with same-day funding options, targeting SMEs in the UK. Suitable for businesses needing quick access to capital, it uses straightforward application processes. The model typically involves higher APRs with short-term repayment structures.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 67.89%
  • Max APR: 67.89%
  • Loan Duration: 3–12 months ⌛

Services & Industries

  • Finance Types: small business loans
  • Industries: Small business, Security services

Pros

  • Fast funding
  • Easy application process

Cons

  • Very high APR
  • Short terms

Sources: Source

10. Bibby Financial Services

Bibby Financial Services delivers specialised invoice financing and related funding solutions primarily for SMEs, including those in the security services sector. It is fit for companies that require ongoing cash flow support backed by receivables. The provider focuses on industry expertise with structured repayment and support options.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 14.1%
  • Max APR: 14.1%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: invoice financing
  • Industries: SME, Security services

Pros

  • Industry expertise
  • Comprehensive support

Cons

  • Service fees
  • Limited to specific industries

Sources: Source

How to choose

When selecting invoice financing lenders for the security services industry, assess your business size and cash flow needs carefully. Determine whether you require flexible short-term funding or longer-term loans with fixed repayments. Check lender eligibility criteria and consider if collateral or security is needed. Evaluate applications for speed of funding and transparency of fees. Consider brokered platforms for quick comparisons versus specialist lenders for tailored support. Always balance APR rates with loan amounts and repayment terms to suit your franchise's financial cycles.

Conclusion

Choosing the right provider depends on your specific funding needs and business profile. Major banks often suit established firms needing secured loans with predictable terms. Brokers like Funding Agent provide quick access to multiple lenders, ideal for smaller to medium funding needs. Specialist lenders and invoice financiers focus on sector-specific expertise and flexibility. For amounts around one hundred thousand pounds or more, matching product type to use case is essential. Always verify current costs and ensure terms align with your franchise objectives.

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FAQs

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2BarclaysBarclays is a major UK bank providing secured loans for businesses needing substantial funding, with competitive APR rates.£1,000–£25,000; 11.2%–34.5% APR; 12–60 months
3NovunaNovuna provides flexible finance solutions tailored to UK businesses, including fast funding and no hidden fees.£10,000–£100,000; 6.9%–36.4% APR; 6–60 months
4Close BrothersClose Brothers offers a range of flexible funding options including hire purchase, leasing, and refinancing, particularly supporting SMEs.£25,000–£100,000; 6%–15% APR; 12–60 months
5Lloyds BankLloyds Bank provides a range of financial products, emphasizing fixed-rate loans for business stability.£1,000–£50,000; 11.2%–11.2% APR; 12–48 months
6Time FinanceTime Finance provides flexible funding solutions including asset finance, invoice finance and business loans, tailored to UK businesses.£5,000–£15,000,000; 11.5%–15% APR; Unknown
7Rosewood FinanceRosewood Finance provides commercial funding with rates starting from 6.0% aimed at diverse business needs.£50,000–£15,000,000; 6%–6% APR; 12–60 months
8Maf Finance GroupMAF Finance Group offers a suite of financial products including tailored secured and unsecured business loans.£10,000–£2,000,000; 5%–15% APR; 3–60 months
9CapifyCapify provides fast and flexible small business loans to UK SMEs with same-day funding options.£5,000–£1,000,000; 67.89%–67.89% APR; 3–12 months
10Bibby Financial ServicesBibby Financial Services offers a range of funding solutions primarily for SMEs including invoice finance.£25,000–£350,000; 14.1%–14.1% APR; 12–60 months
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