Best Invoice Financing Lenders for the Wholesale 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.
Funding Agent focuses on helping UK SMEs quickly compare a range of business finance options. It is suitable for franchise buyers and operators seeking various unsecured finance products with a straightforward application process. The platform offers fast eligibility checks and flexible terms with no collateral required, making it easier for small businesses to review multiple loan possibilities.
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
Lloyds Bank is a reputable provider of retail and commercial banking products including business loans. It suits franchise buyers and other SMEs looking for secured or unsecured loans with structured repayment plans. Lloyds offers a range of financing options with steady application procedures and an emphasis on established creditworthiness.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 6.9%
- Max APR: 11.2%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Wholesale, Retail, Manufacturing, Construction
Pros
- Large institution with extensive resources
- Well-established reputation
Cons
- More formal processes than smaller lenders
Bibby Financial Services specialises in tailored invoice finance and asset finance solutions for SMEs. It is typically suitable for wholesale and manufacturing businesses seeking flexible short-term funding. Bibby supports structured repayment plans and offers bespoke lending options aligned with client turnover and invoice profiles.
Loan Details
- Min Amount: £7,500
- Max Amount: £25,000
- Min APR: 6.3%
- Max APR: 0%
- Loan Duration: Variable, often short-term ⌛
Services & Industries
- Finance Types: Invoice Financing, Asset Financing
- Industries: Wholesale, Manufacturing
Pros
- Flexible repayment terms
- Specialized in SME financing
Cons
- May have higher fees for smaller invoices
Ultimate Finance provides asset-based lending and a variety of financial solutions designed for SMEs. It works well for businesses needing flexible funding secured on assets, with varied loan durations and repayment types. Their offerings include invoice and business finance, focusing on clients requiring substantial borrowing options.
Loan Details
- Min Amount: £0
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12–84 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans, Asset Financing
- Industries: Wholesale, Distribution
Pros
- Quick access to funds
- Variety of finance solutions
Cons
- May require substantial collateral
Close Brothers offers a variety of asset and invoice financing options aimed at SMEs. It is suited for businesses needing flexible finance secured on assets, including those in wholesale and transport. The lender emphasises structured repayment plans and tailored finance to support ongoing business growth.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 2.5%
- Max APR: 6%
- Loan Duration: 6–120 months ⌛
Services & Industries
- Finance Types: Asset Financing, Invoice Financing
- Industries: Wholesale, Transport
Pros
- Flexible financing options
- Strong support for SMEs
Cons
- Complex application process
Aldermore provides comprehensive finance products focused on small businesses and SME sectors. It typically suits wholesale, manufacturing, and real estate businesses looking for innovative invoice and asset financing solutions. Aldermore offers personalised service and flexible finance options with a variety of repayment structures.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by product ⌛
Services & Industries
- Finance Types: Invoice Financing, Asset Financing
- Industries: Wholesale, Manufacturing, Real Estate
Pros
- Personalized service
- Strong focus on SMEs
Cons
- Smaller coverage compared to big banks
Time Finance provides flexible funding and invoice finance solutions tailored for growing businesses. It is suitable for wholesale, manufacturing, and retail SMEs needing timely cash flow management. The lender offers competitive loan options with varied repayment schedules and relatively quick decisions.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 11.5%
- Max APR: 0%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans, Asset Financing
- Industries: Wholesale, Manufacturing, Retail
Pros
- Quick funding decisions
- Customer-focused services
Cons
- May be costly for short-term use
Capify offers small business loans with flexible repayment options aimed at a variety of sectors. It is fitting for wholesale and retail businesses requiring short-term funding with easy application and fast approval. Capify provides tailored finance packages designed to meet diverse cash flow and operational needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 67.89%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Wholesale, Retail
Pros
- Fast approval
- Easy application process
Novuna offers innovative invoice and business finance solutions with flexible terms tailored for growth-focused SMEs. It is typically suitable for wholesale, retail, and construction sectors seeking strategic financing. Novuna provides a mixture of loan products with variable repayments and loan-to-value structures.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 6.7%
- Max APR: 6.9%
- Loan Duration: Varies by agreement ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Wholesale, Retail, Construction
Pros
- Flexible financing options
- Robust financial support
Cons
- May have stricter eligibility criteria
Touch Financial specialises in brokered invoice finance, assisting businesses with cash flow management through third-party solutions. It is appropriate for SMEs in wholesale and distribution looking for access to tailored financing through brokers. Touch Financial offers flexible options while allowing clients to benefit from expert brokerage services without direct lending.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Invoice Financing
- Industries: Wholesale, Distribution
Pros
- Expert brokerage services
- Tailored finance options
Cons
- Indirect finance may result in higher costs
How to choose
When selecting the best invoice financing lenders for wholesale industry needs, consider your loan amount and the associated APR to ensure affordability. Verify your eligibility carefully and weigh the trade-off between speed and flexibility of the finance options. Review how repayment schedules align with your franchise's cash flow cycles and seasonal fluctuations. Understand the lender criteria, fees, and any penalties for early repayment to avoid unexpected costs. Also, factor in whether you prefer direct lending or brokerage services for access to specialised products.
Conclusion
Matching the right provider type to your business needs is key. Banks typically offer established products with formal requirements, suited to borrowers preferring structured loans. Brokers like Touch Financial extend access to a broader range of specialist finance but may incur higher costs. Specialists and asset-based lenders focus on niche needs, often offering flexibility around collateral and repayment. Funding Agent provides a useful starting point for SMEs seeking to compare multiple offers quickly. For financing around 200 thousand pounds loan or other amounts, assess your business priorities and choose accordingly.
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