April 14, 2026
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Best Selective Invoice Finance Lenders for Cleaning Businesses

Discover the best selective invoice finance lenders tailored for cleaning businesses in the UK. Find flexible funding solutions to help your cleaning company grow and manage cash flow effectively.
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Best Selective Invoice Finance Lenders for Cleaning Businesses
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 Cleaning Businesses

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 Funding Agent focuses on helping UK SMEs access a variety of business finance options through a streamlined comparison platform. It is suitable for SMEs looking for quick, flexible financing with options that do not require collateral. The provider emphasises fast eligibility assessments and straightforward loan 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. Lloyds Bank

Lloyds Bank Lloyds Bank provides traditional banking services with a focus on business loans and invoice financing for UK SMEs. It is suitable for businesses seeking secure, long-term financing with structured repayment plans. The bank offers a wide product range with broker access, prioritising security and established credit processes.

Loan Details

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

Services & Industries

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

Pros

  • Trusted banking institution
  • Wide range of loans

Cons

  • Longer approval times

Sources: Source

3. Skipton Business Finance

Skipton Business Finance Skipton Business Finance concentrates on asset-based lending and invoice finance to help businesses unlock working capital. It is suited for UK enterprises requiring flexible finance secured against assets. The lender offers options with variable terms that accommodate diverse business needs without fixed rates.

Loan Details

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

Services & Industries

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

Pros

  • Flexible financing
  • Supports SME growth

Cons

  • Limited loan types

Sources: Source

4. Hydr

Hydr Hydr specialises in fixed fee invoice payment solutions designed for small UK businesses. It fits businesses needing quick access to full invoice values with transparent fees. The platform offers flexible repayment options and rapid fund disbursement to support cash flow needs.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Small businesses

Pros

  • Fast 24-hour funding
  • Digital integration

Cons

  • Limited to invoice finance

Sources: Source

5. Fleximize

Fleximize Fleximize offers unsecured and secured loans to small and medium UK enterprises with a focus on flexible terms. It suits businesses needing adaptable financing solutions with quick decision-making. The lender supports cash flow finance with various repayment options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 48 months

Services & Industries

  • Finance Types: Business Loans, Cash Flow Finance
  • Industries: SMEs

Pros

  • Flexible terms
  • Quick approval

Cons

  • Higher interest for unsecured loans

Sources: Source

6. Ultimate Finance

Ultimate Finance Ultimate Finance delivers asset-based lending solutions tailored to businesses needing secured cash flow. It is suited for companies requiring high funding limits and diverse finance types with customised terms. The provider caters to clients who prioritise specialised lending backed by assets.

Loan Details

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

Services & Industries

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

Pros

  • High funding limits
  • Diverse financing solutions

Cons

  • Mainly asset-based

Sources: Source

7. Triver

Triver Triver offers AI-driven invoice finance aimed at small businesses requiring instant capital to improve cash flow. It is designed for companies valuing speed and technology in funding solutions. The service specialises in rapid, flexible invoice financing without the need for traditional underwriting delays.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Small businesses

Pros

  • AI-powered
  • Instant funding

Cons

  • Limited to invoice financing

Sources: Source

8. eCapital

eCapital eCapital specialises in bespoke financing, including invoice finance, aimed at businesses targeting sustainable growth in the UK. It fits companies seeking tailored funding with flexibility in terms and repayment structures. The provider focuses on customised finance solutions and industry expertise.

Loan Details

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

Services & Industries

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

Pros

  • Flexible solutions
  • Industry expert

Cons

  • Primarily invoice-focused

Sources: Source

9. Kriya

Kriya Kriya provides working capital loans and invoice finance designed to improve cash flow and support growth. It suits businesses needing fast access to funds with flexible repayment options. The lender focuses on short-term finance solutions tailored to diverse industry sectors.

Loan Details

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

Services & Industries

  • Finance Types: Working Capital Loans, Invoice Finance
  • Industries: Various

Pros

  • Quick access to funds
  • Flexible repayment

Cons

  • Short loan duration

Sources: Source

10. Novuna

Novuna Novuna specialises in selective invoice finance, enabling businesses to release cash against individual invoices. It is suitable for businesses needing tailored finance solutions with flexibility to manage invoice-level funding. The lender focuses on custom options and rapid cash release without extensive collateral.

Loan Details

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

Services & Industries

  • Finance Types: Selective Invoice Finance
  • Industries: Various

Pros

  • Customizable finance options
  • Rapid cash release

Cons

  • Limited to selective invoices

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for cleaning businesses, consider your typical invoice sizes and cash flow cycles. Focus on lenders that offer flexible repayment and funding speeds aligned with your operational needs. Evaluate eligibility criteria, ensuring your business falls within their client profile. Assess the level of collateral required and the availability of bespoke or standard finance options. Checking fees, early repayment terms, and the lender’s industry experience can also guide your choice. Balancing speed, cost, and flexibility will help secure the most suitable funding solution.

Conclusion

Choosing the right lender depends on your business scale and financing needs. Banks often provide secure, long-term products suited for established businesses, while brokers and specialist lenders offer greater flexibility and faster access for varied loan sizes. For cleaning businesses seeking selective invoice finance under a 200 thousand pounds loan, options like Funding Agent allow rapid comparison across multiple providers. Assess each lender’s product fit carefully to align finance terms with your cash flow and growth plans. Always clarify current rates and conditions before committing.

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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
2Lloyds BankLloyds Bank offers comprehensive business loans and invoice financing services, catering to UK SMEs with various financial products.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
3Skipton Business FinanceSkipton Business Finance provides asset-based lending and invoice finance solutions to unlock working capital for UK businesses.£0–£0; 0%–0% APR; Unknown
4HydrHydr offers fixed fee, fast invoice payment solutions for small UK businesses, providing complete invoice value in a short timeframe.£0–£0; 0%–0% APR; Variable
5FleximizeFleximize is an award-winning business lender offering unsecured and secured loans tailored to small and medium UK enterprises.£5,000–£500,000; 0%–0% APR; Up to 48 months
6Ultimate FinanceUltimate Finance specializes in providing asset-based lending solutions, supporting businesses with tailored funding options.£0–£10,000,000; 0%–0% APR; Unknown
7TriverTriver provides instant capital via AI-powered invoice finance solutions, designed to streamline cash flow for small businesses.£0–£0; 0%–0% APR; Unknown
8eCapitaleCapital offers bespoke financing options, including invoice finance, to support sustainable growth in UK businesses.£0–£0; 0%–0% APR; Unknown
9KriyaKriya provides working capital loans and invoice finance to facilitate cash flow and growth for UK businesses.£0–£0; 0%–0% APR; 1 to 3 months
10NovunaNovuna offers selective invoice finance allowing businesses to release cash from single invoices, providing tailored financial solutions.£0–£0; 0%–0% APR; Unknown