April 14, 2026
Lists

Best Selective Invoice Finance Lenders

Discover the best selective invoice finance lenders in the UK. Learn how to choose reliable funding partners to improve your business cash flow with flexible invoice finance solutions.
Square image with a black border and white background
Best Selective Invoice Finance Lenders
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Selective Invoice Finance Lenders

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 2026-04-08.

1. Funding Agent

Funding Agent focuses on helping UK SMEs quickly compare various finance options through an easy application process. It is typically suitable for businesses seeking flexible working capital solutions without the need for collateral. The service emphasises speed and clear eligibility matching to assist borrowers with a range of loan types and terms.

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. Skipton Business Finance

Skipton Business Finance specialises in asset-based lending and invoice finance geared towards UK SMEs. It suits businesses requiring financing secured against assets or receivables, focusing on flexibility and tailored solutions. The provider typically supports a range of lending types, though specifics on terms vary.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Invoice finance, Asset-based lending
  • Industries: SMEs

Pros

  • Flexible solutions
  • Strong industry reputation

Cons

  • Limited online presence

Sources: Source

3. Lloyds Bank

Lloyds Bank offers a broad range of business loans suitable for expanding enterprises in the UK. It is typically appropriate for borrowers who need long-term financing with clear repayment terms. The bank provides established services prioritising security and structured lending options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 25 years

Services & Industries

  • Finance Types: Business loans, Invoice finance
  • Industries: General business

Pros

  • Long-term loan options
  • Reliable service

Cons

  • Strict eligibility criteria

Sources: Source

4. HSBC Invoice Finance

HSBC Invoice Finance delivers invoice discounting services aimed at improving cash flow management for businesses. It tends to suit firms needing control over invoicing with access to financing against receivables. The provider offers global reach with comprehensive service coverage and tailored fee options.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Invoice finance, Receivables finance
  • Industries: Large enterprises, SMEs

Pros

  • Global reach
  • Comprehensive services

Cons

  • Complex application process

Sources: Source

5. NatWest

NatWest offers a wide variety of business loans and financial products designed for UK enterprises. It is suitable for companies that require flexible loan amounts and established banking relationships. The lender focuses on delivering dependable funding shaped by standard eligibility and repayment terms.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business loans, Overdrafts
  • Industries: General business

Pros

  • Flexible loan amounts
  • Established bank

Cons

  • Possible high interest rates

Sources: Source

6. Barclays

Barclays provides unsecured lending and business loans focused on quick access to funds for UK SMEs. It generally suits businesses that need straightforward loan products with minimal collateral. The lender offers a streamlined process with various loan uses including initiatives such as green loans.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business loans, Green loans
  • Industries: SMEs

Pros

  • Fast fund access
  • Unsecured options

Cons

  • Limited loan cap

Sources: Source

7. Growth Lending

Growth Lending focuses on providing tailored growth capital and flexible finance solutions primarily for high-growth UK SMEs. It is suitable for businesses seeking larger loan amounts with customised terms. The lender generally emphasises adaptability in financing structures without extensive collateral requirements.

Loan Details

  • Min Amount: £2,000,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Growth capital, Term loans
  • Industries: High-growth companies

Pros

  • Large loan amounts
  • Tailored finance

Cons

  • High minimum loan value

Sources: Source

8. Novuna

Novuna offers flexible financial products with a focus on quick fund release and transparency. It is aimed at businesses across various sectors that prefer straightforward financing without hidden fees. The services include multiple loan types and adaptable repayment terms for SMEs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business loans, Invoice finance
  • Industries: Various sectors

Pros

  • Transparent fees
  • Quick funding

Cons

  • Limited loan info online

Sources: Source

9. Kriya

Kriya specialises in invoice finance and working capital loans designed for fast access to funding. It is well suited for UK SMEs that require short-term financing solutions with straightforward repayments. The provider focuses on innovative funding options catering to B2B customers.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 3 months

Services & Industries

  • Finance Types: Invoice finance, Working capital loans
  • Industries: B2B businesses

Pros

  • Fast cash access
  • Innovative solutions

Cons

  • Short loan durations

Sources: Source

10. Nucleus Commercial Finance

Nucleus Commercial Finance provides flexible business loan options suitable for SMEs across various sectors. It generally supports companies seeking quick decision-making and a choice of loan structures. The provider emphasises a straightforward process with a range of lending amounts.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business loans
  • Industries: SMEs, Various sectors

Pros

  • Rapid decision process
  • Various loan options

Cons

  • Lower loan cap

Sources: Source

How to choose

When selecting the best selective invoice finance lenders, consider your business needs and the type of invoice finance offered. Evaluate loan size, APR, and repayment terms to suit your cash flow and invoice profiles. Check eligibility to ensure you meet lender criteria. Balance the speed of access to funds with the flexibility of terms and collateral requirements. Also, review fees, early repayment options, and the lender’s application process before deciding.

Conclusion

Choosing the right lender depends on your business size, sector, and funding purpose. Banks generally suit businesses needing structured loans and established terms, while brokers and specialists may offer more flexible or niche solutions. Funding Agent is a practical option for SMEs seeking efficient comparisons across multiple providers. Other lenders focus on asset-based or larger loans. Always verify up-to-date terms, especially for loans in the range of 200 thousand pounds or more, before proceeding.

Table of Contents

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is selective invoice finance?
How do selective invoice finance lenders work?
Who can benefit from selective invoice finance?
What are the advantages of selective invoice finance over full invoice financing?
Are there any risks involved in selective invoice finance?
How can I choose the best selective invoice finance lender?

Get Funding For
Your Business

Generate offers
Cta image
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
2Skipton Business FinanceSkipton Business Finance offers asset-based lending and invoice finance solutions to UK SMEs.£0–£0; 0%–0% APR; Unknown
3Lloyds BankLloyds Bank provides business loans from £1,000 with repayment terms up to 25 years for expanding businesses.£1,000–£0; 0%–0% APR; Up to 25 years
4HSBC Invoice FinanceHSBC offers invoice discounting to improve business cash flow while maintaining control of invoicing.£0–£0; 0%–0% APR; Unknown
5NatWestNatWest provides a range of business loans and financial products to support UK businesses.£25,001–£10,000,000; 0%–0% APR; Unknown
6BarclaysBarclays offers unsecured lending and business loans, with quick access to funds.£1,000–£100,000; 0%–0% APR; Unknown
7Growth LendingGrowth Lending provides tailored growth capital and flexible finance solutions for UK SMEs.£2,000,000–£10,000,000; 0%–0% APR; Unknown
8NovunaNovuna offers flexible financial solutions with fast fund release and no hidden fees.£10,000–£0; 0%–0% APR; Unknown
9KriyaKriya provides invoice finance and working capital loans with fast access to funds.£0–£0; 0%–0% APR; 1 to 3 months
10Nucleus Commercial FinanceNucleus Commercial Finance offers flexible business loan options from £3k to £500k.£3,000–£500,000; 0%–0% APR; Unknown