April 14, 2026
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Best Selective Invoice Finance Lenders for Agricultural Suppliers

Discover the best selective invoice finance lenders for agricultural suppliers in the UK. Improve your cash flow with flexible finance solutions designed for the farming sector.
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Best Selective Invoice Finance Lenders for Agricultural Suppliers
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

Best Selective Invoice Finance Lenders for Agricultural Suppliers

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 providing quick comparisons of business finance options for UK SMEs. It is suited to businesses needing fast decisions with minimal paperwork and broad eligibility criteria. The platform offers flexible terms without requiring collateral, helping users explore loan options efficiently.

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. Triver

Triver concentrates on invoice financing to deliver quick capital solutions to small businesses in the UK. It is typically suited for businesses seeking invoice-based funding with relatively short repayment terms. The provider emphasises speed and technology-driven processes to facilitate funding access.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 1 to 12 months ⌛

Services & Industries

  • Finance Types: Invoice Financing, Cash Flow Loans
  • Industries: Small and Mid-sized Enterprises

Pros

  • Fast access to funds
  • Tech-enabled processes

Cons

  • Higher APR for short terms

Sources: Source

3. Lloyds Bank

Lloyds Bank focuses on providing a wide range of business loans including selective invoice financing through a large, established bank. It typically suits businesses seeking long-term funding options with competitive rates and flexible repayment arrangements. The bank requires credit assessment but offers brokered access to various lending products.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £250,000
  • Min APR: 3%
  • Max APR: 10%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Financing
  • Industries: Various industries

Pros

  • Established bank
  • Wide range of services

Cons

  • Strict credit requirements

Sources: Source

4. Skipton Business Finance

Skipton Business Finance specialises in asset-based lending targeting UK SMEs. It suits companies requiring flexible terms secured on receivables or assets. The provider offers funding with an emphasis on collateral and structured repayment schedules suitable for diverse sectors.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 4.5%
  • Max APR: 9%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Receivables Financing, Cash Flow Loans
  • Industries: SMEs in various sectors

Pros

  • Flexible terms
  • High funding limits

Cons

  • Asset-based requirements

Sources: Source

5. Millbrook Business Finance

Millbrook Business Finance delivers customised business finance including selective invoice and asset finance options. It suits UK enterprises looking for tailored solutions with considerations for various sectors. The provider balances experience with flexibility in repayment types and funding arrangements.

Loan Details

  • Min Amount: £15,000
  • Max Amount: £750,000
  • Min APR: 5.5%
  • Max APR: 12.5%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: Various UK sectors

Pros

  • Bespoke solutions
  • Experienced provider

Cons

  • Higher minimum loan amounts

Sources: Source

6. White Oak UK

White Oak UK offers a spectrum of business finance solutions including large loans and selective invoice finance. It caters primarily to SMEs looking for tailored funding with various products and repayment options. The provider focuses on flexibility and sizeable loan availability across sectors.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 4%
  • Max APR: 10%
  • Loan Duration: 1 to 48 months ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Finance
  • Industries: SMEs across sectors

Pros

  • High loan amounts available
  • Multiple product offerings

Cons

  • Lengthy application process

Sources: Source

7. Kriya

Kriya provides B2B invoice finance and working capital loans aimed at supporting business growth. It is suited to companies seeking flexible, short-term finance to improve cash flow. The provider emphasises speed and adaptability to meet client funding timelines.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £300,000
  • Min APR: 6%
  • Max APR: 14%
  • Loan Duration: 1 to 12 months ⌛

Services & Industries

  • Finance Types: Invoice Finance, Working Capital Loans
  • Industries: B2B Companies

Pros

  • Flexible financing
  • Quick access to funds

Cons

  • Short loan durations

Sources: Source

8. Ultimate Finance

Ultimate Finance focuses on asset-based lending solutions tailored for UK SMEs. It is suitable for businesses needing support with cash flow management and business expansion. The lender provides a range of products emphasising flexibility and industry experience.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.5%
  • Max APR: 13.5%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance
  • Industries: SMEs across sectors

Pros

  • Diverse financing solutions
  • Industry experience

Cons

  • Complex application

Sources: Source

9. Novuna

Novuna offers diverse business finance options with quick loans and cash flow solutions suited to SMEs. It is typically ideal for businesses seeking fast approval and transparent fees. The provider favours flexibility tailored to different SME needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 5.2%
  • Max APR: 11.9%
  • Loan Duration: 3 to 36 months ⌛

Services & Industries

  • Finance Types: Business Loans, Cash Flow Solutions
  • Industries: Various UK SMEs

Pros

  • Fast approval process
  • No hidden fees

Cons

  • Limited to SMEs

Sources: Source

10. Charles & Dean

Charles & Dean provides funding designed for business growth and asset finance across various industries. It suits UK businesses needing adaptable funding with competitive rates and flexible terms. The provider offers tailored lending solutions considering sector-specific needs.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £1,000,000
  • Min APR: 5.5%
  • Max APR: 12%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Various industries

Pros

  • Flexible terms
  • Competitive rates

Cons

  • Higher minimum amounts

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for agricultural suppliers, consider financing needs aligned with seasonal cash flow and invoice cycles. Focus on the lender's flexibility in repayment terms and the speed of access to funds. Eligibility criteria and collateral requirements vary, so match these to your business capacity and asset base. Evaluate lender experience in agricultural or supply-chain sectors to ensure understanding of industry-specific risks. Partner with providers offering clear terms and transparent fees to avoid surprises during funding. Broker access may expand options but check for added complexity or costs.

Conclusion

Choosing the right provider depends on your business size, finance amount, and security options. Banks typically offer stable, regulated products suited for larger or longer-term loans but may have stringent requirements. Brokers and specialist lenders provide more customised funding with potentially faster decisions and flexible terms. Funding Agent is useful for SMEs seeking fast comparisons across multiple finance offers. For agricultural suppliers needing selective invoice financing, consider the trade-off between speed, security, and loan scale when making your choice.

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FAQs

What is selective invoice finance?
How can agricultural suppliers benefit from selective invoice finance?
What criteria do lenders use to approve selective invoice finance?
Are there any risks involved with selective invoice finance?
How do I choose the best selective invoice finance lender for my agricultural business?
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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
2TriverTRIVER offers instant capital to small businesses using invoice financing.£10,000–£500,000; 5%–15% APR; 1 to 12 months
3Lloyds BankLloyds Bank provides comprehensive business loans and selective invoice financing options for UK businesses, with flexible terms and competitive rates.£1,000–£250,000; 3%–10% APR; 1 to 25 years
4Skipton Business FinanceSkipton Business Finance specializes in providing asset-based lending to UK SMEs, with flexible solutions like receivables financing and cash flow loans.£5,000–£2,000,000; 4.5%–9% APR; 6 to 60 months
5Millbrook Business FinanceMillbrook Business Finance provides tailored business finance solutions, including selective invoice financing and asset finance, to UK enterprises.£15,000–£750,000; 5.5%–12.5% APR; 12 to 60 months
6White Oak UKWhite Oak UK offers a variety of business finance solutions, including large-scale business loans and selective invoice finance, tailored to UK SMEs.£5,000–£2,000,000; 4%–10% APR; 1 to 48 months
7KriyaKriya provides B2B financing solutions including invoice finance and working capital loans to support business growth and improve cash flow.£5,000–£300,000; 6%–14% APR; 1 to 12 months
8Ultimate FinanceUltimate Finance specializes in asset-based lending with a focus on providing tailored funding solutions for cash flow management and business expansion.£10,000–£750,000; 6.5%–13.5% APR; 6 to 60 months
9NovunaNovuna offers a wide range of business finance options including quick business loans and flexible cash flow solutions tailored to SME requirements.£10,000–£500,000; 5.2%–11.9% APR; 3 to 36 months
10Charles & DeanCharles & Dean provides funding solutions tailored for business growth and asset finance to support UK businesses.£20,000–£1,000,000; 5.5%–12% APR; 12 to 60 months
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