April 14, 2026
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Best Selective Invoice Finance Lenders for Cafes and Coffee Shops

Discover the best selective invoice finance lenders tailored for cafes and coffee shops in the UK. Learn how to boost your cash flow with the right funding partner.
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Best Selective Invoice Finance Lenders for Cafes and Coffee Shops
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 Selective Invoice Finance Lenders for Cafes and Coffee Shops

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 a streamlined platform for UK SMEs to compare multiple business finance options efficiently. It is typically suitable for SMEs seeking quick access to unsecured finance options with clear terms. The service emphasises a fast application process, flexible repayment options, and no requirement for collateral, making it accessible for various business needs.

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. Lloyds Bank

Lloyds Bank provides a broad suite of business lending products including fixed and variable rate loans. It is suited for businesses seeking established banking relationships or those needing a variety of term lengths and repayment structures. The provider offers structured lending with significance on security and loan-to-value considerations in its approval process.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 4.2%
  • Max APR: 12.9%
  • Loan Duration: 1 to 25 years

Services & Industries

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

Pros

  • Established bank with numerous branches
  • Wide variety of loan products

Cons

  • Approval can be slow
  • Geared towards existing clients

Sources: Source

3. Skipton Business Finance

Skipton Business Finance offers asset-backed lending primarily secured against receivables to help SMEs unlock working capital. It generally suits businesses looking for secured lending with flexibility related to cash flow cycles. The lender focuses on collateralised loans with consideration for existing asset values and repayment schedules tailored to client needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Invoice Financing, Cashflow Loans
  • Industries: Various

Pros

  • Flexible funding options
  • Backed by Skipton Building Society

Cons

  • Limited physical presence
  • Focused on existing cashflows

Sources: Source

4. Kriya

Kriya focuses on B2B payments and working capital solutions, with selective invoice financing designed to support cash flow management. It is typically suitable for technology-driven SMEs seeking flexible short-term financing options without extensive collateral requirements. The provider is known for scalable solutions and relatively fast fund access aligned to client invoicing cycles.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 1 to 12 months

Services & Industries

  • Finance Types: Invoice Finance, Working Capital Loans
  • Industries: Technology, Small Enterprises

Pros

  • Fast access to funds
  • Scalable solutions

Cons

  • Limited loan types
  • Short-term focus

Sources: Source

5. Growth Lending

Growth Lending offers credit solutions tailored for expanding SMEs, focusing on supporting significant business growth and acquisitions. This provider usually suits businesses with established revenue streams seeking higher loan amounts with flexible terms. Its lending is customised and intended for firms able to meet more demanding qualification criteria and benefit from structured financial support.

Loan Details

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

Services & Industries

  • Finance Types: Growth Capital Loans, Term Loans
  • Industries: Finance, Healthcare, Professional Services

Pros

  • High loan amounts
  • Customized support

Cons

  • High entry threshold
  • Limited to fast-growing firms

Sources: Source

6. White Oak UK

White Oak UK is a specialist lender offering diverse business finance solutions including VAT, tax loans, and invoice finance. It tends to suit SMEs requiring flexible funding that can handle various financial needs across sectors. The provider offers competitive rates with emphasis on structured repayment plans and considered credit criteria.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 5.9%
  • Max APR: 14.9%
  • Loan Duration: 12 to 60 months

Services & Industries

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

Pros

  • Government backed
  • Fast processing

Cons

  • Competitive market
  • Conservative lending criteria

Sources: Source

7. Triver

Triver provides flexible invoice financing solutions designed for SMEs aiming to improve cash flow by advancing funds on unpaid invoices. This provider is suited to businesses comfortable with tech-driven lending processes and requiring short-term borrowing options. The platform supports quick decisions and focuses on enhancing liquidity without demanding extensive collateral.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible, typically 1-3 months

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: SMEs

Pros

  • AI-powered
  • Quick decision making

Cons

  • High reliance on technology
  • Narrow service focus

Sources: Source

8. Merchant Savvy

Merchant Savvy delivers detailed market comparisons and insights across a range of business finance products. This service is appropriate for SMEs that want to research and compare finance options without direct lending involvement. The platform is valued for its comprehensive overviews and guidance on fee structures and product features.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance, Credit Card Processing
  • Industries: Various

Pros

  • Comprehensive market overview
  • User-friendly platform

Cons

  • Not a direct lender
  • Dependent on external partners

Sources: Source

9. Expert Market

Expert Market specialises in providing information and comparisons for various business services, including invoice finance tailored for UK firms. It generally suits businesses that prefer to explore multiple financing options before selecting a direct lender. The platform offers broad listings and reviews, assisting businesses to understand costs and product suitability.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Financing, Asset Financing
  • Industries: Various

Pros

  • Expert reviews
  • Wide selection

Cons

  • Not a direct lender
  • Advertisement-heavy

Sources: Source

10. Hello Aria

Hello Aria delivers embedded B2B financing and payment solutions, helping businesses manage invoices and optimise cash flow. It is suitable particularly for technology-focused firms seeking automated financing and payment integration. The provider offers innovative API-driven solutions with a global perspective but limited depth in UK-only markets.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Technology, Finance

Pros

  • Innovative API solutions
  • Global reach

Cons

  • Limited UK focus
  • Technology-dependent

Sources: Source

How to choose

When selecting the best selective invoice finance lender for cafes and coffee shops, consider the size and timing of your financing needs. Choose lenders that align with your business’s cash flow patterns and invoicing cycles. Check eligibility requirements carefully, as some providers cater to specific sectors or business sizes. Pay attention to the flexibility of the repayment terms and whether collateral is required. Assess how speed of funding versus cost fits your operational priorities. Lastly, review all fees and conditions to ensure the finance matches your franchise’s financial planning.

Conclusion

Choosing the right lender depends on your business needs and finance type. Banks typically offer structured loans suitable for borrowers with established credit. Brokers can provide access to a range of options quickly but may include intermediated costs. Specialist providers target particular financing solutions like invoice finance with varying flexibility. Funding Agent is a useful starting point for comparing options if you need a quick overview. Determine your preferred balance of speed, cost, and loan features to find the best fit for a 200 thousand pounds loan.

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FAQs

What is selective invoice finance?
How can invoice finance benefit cafes and coffee shops?
Are selective invoice finance lenders suitable for small coffee shops?
What fees should I expect with selective invoice finance?
How quickly can I access funds using selective invoice finance?
Can I choose which invoices to finance?

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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
2Lloyds BankLloyds Bank offers a wide range of business loan products, including fixed and variable rate loans, designed to support UK businesses in their growth and operational finance needs.£1,000–£1,000,000; 4.2%–12.9% APR; 1 to 25 years
3Skipton Business FinanceSkipton Business Finance provides asset-based lending solutions to SMEs in the UK, leveraging receivables to unlock working capital.£5,000–£2,500,000; 0%–0% APR; Unknown
4KriyaKriya specializes in B2B payments and working capital solutions, including selective invoice financing to manage cash flow effectively.£0–£0; 6%–15% APR; 1 to 12 months
5Growth LendingGrowth Lending provides tailored credit solutions for dynamic SMEs, with a focus on supporting business expansions and acquisitions.£2,000,000–£10,000,000; 0%–0% APR; Flexible terms
6White Oak UKWhite Oak UK is a specialist business finance provider offering a range of funding options, from VAT and tax loans to large business and invoice finance solutions.£5,000–£2,000,000; 5.9%–14.9% APR; 12 to 60 months
7TriverTriver offers flexible invoice financing solutions, targeting SMEs looking to improve cash flow through speedy funds released from unpaid invoices.£10,000–£500,000; 0%–0% APR; Flexible, typically 1-3 months
8Merchant SavvyMerchant Savvy offers detailed comparisons and insights on various financial products, helping UK businesses choose suitable business loans and finance options.£0–£0; 0%–0% APR; Unknown
9Expert MarketExpert Market provides extensive information and comparisons for business services, including invoice finance products, tailored to UK companies looking to optimize cash flows.£0–£0; 0%–0% APR; Unknown
10Hello AriaAria offers embedded B2B financing and payments solutions through its platform, enabling businesses to enhance cash flow and manage invoices efficiently.£0–£0; 0%–0% APR; Unknown