April 14, 2026
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Best Selective Invoice Finance Lenders for Consumer Goods Brands

Discover the best selective invoice finance lenders for consumer goods brands in the UK. Boost your cash flow with tailored finance solutions. Find out more here.
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Best Selective Invoice Finance Lenders for Consumer Goods Brands
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 Consumer Goods Brands

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 fast comparison platform for UK SMEs seeking various business finance options. It suits businesses looking for quick eligibility checks with a straightforward application process. The service offers accessible terms without the need for collateral and options that balance speed and clarity.

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 traditional range of business loans suited to established UK enterprises. It is typically chosen by SMEs requiring tailored borrowing solutions backed by longstanding banking experience. Lloyds Bank offers flexible repayment plans with secured and unsecured lending options, though some loans may require collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6.9%
  • Max APR: 11.2%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Secured Business Loan
  • Industries: Various

Pros

  • Wide range of loan amounts
  • Flexible terms

Cons

  • Requires security for higher amounts
  • Strict eligibility criteria

Sources: Source

3. Bibby Financial Services

Bibby Financial Services specialises in invoice and trade finance tailored to the needs of UK SMEs. It is best suited for businesses requiring flexible working capital solutions with varied collateral requirements. Bibby offers bespoke financing with options that accommodate diverse risk profiles and repayment structures.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 9%
  • Max APR: 29.9%
  • Loan Duration: Unknown ⌛

Services & Industries

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

Pros

  • Specialist SME support
  • Diverse financial solutions

Cons

  • Higher interest rates for some products

Sources: Source

4. Ultimate Finance

Ultimate Finance offers asset-based lending solutions primarily targeting UK businesses in sectors like manufacturing and construction. This provider suits companies needing collateral-backed funding with flexible repayment terms. Their approach focuses on leveraging assets to support diverse financing needs efficiently.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £4,000,000
  • Min APR: 0.79%
  • Max APR: 0%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Construction Finance
  • Industries: Manufacturing, Construction

Pros

  • Rapid funding
  • Strong asset lending options

Cons

  • Limited product types

Sources: Source

5. Aldermore

Aldermore provides specialized business and mortgage finance designed for SMEs with tailored needs. It is suitable for businesses that value flexible terms and government-backed options. Aldermore offers various repayment structures, focusing on longer-term lending within commercial property and business finance sectors.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 3.49%
  • Max APR: 0%
  • Loan Duration: 3 months to 6 years ⌛

Services & Industries

  • Finance Types: Business Term Loans, Asset Based Lending
  • Industries: Various

Pros

  • Flexible terms
  • Government-backed options available

Cons

  • Primarily serves high-value loans

Sources: Source

6. Time Finance

Time Finance offers a range of funding options including asset and invoice finance, suitable for growth-oriented UK businesses. It caters to SMEs needing flexible financing with a broad selection of repayment choices. Their products support working capital needs with accessible eligibility criteria.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

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

Pros

  • High loan limits
  • Wide service range

Cons

  • Lack of detailed APR information

Sources: Source

7. Close Brothers

Close Brothers specialises in asset finance for UK businesses with industry-specific lending solutions. It suits SMEs seeking flexible financing with collateral-based security. The firm offers various repayment options tailored to sectors like manufacturing and transport.

Loan Details

  • Min Amount: £0
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 11.9%
  • Loan Duration: 3 months to 6 years ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance
  • Industries: Manufacturing, Transport

Pros

  • Flexible repayment terms
  • Industry-specific solutions

Cons

  • Requires collateral for certain loans

Sources: Source

8. Capify

Capify specialises in providing short-term business loans with an emphasis on fast approval and flexibility for SMEs. It suits businesses looking for rapid funding with simple eligibility criteria. Loan options are straightforward to access but tend to have higher APR rates.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 67.89%
  • Max APR: 67.89%
  • Loan Duration: 3 to 12 months ⌛

Services & Industries

  • Finance Types: Short-Term Business Loans
  • Industries: Retail, Service Businesses

Pros

  • Fast approval process
  • Flexible terms

Cons

  • High APR rates

Sources: Source

9. Nucleus Commercial Finance

Nucleus Commercial Finance provides both secured and unsecured lending to UK SMEs with varied financial needs. It is suitable for businesses seeking flexible and rapid funding decisions. Nucleus offers diverse repayment options with loan terms tailored to different credit profiles.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 6%
  • Max APR: 19.9%
  • Loan Duration: 6 months to 7 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Secured Business Loans
  • Industries: Various

Pros

  • Rapid funding decision
  • Versatile loan options

Cons

  • Relatively higher APR for riskier loans

Sources: Source

10. iwoca

iwoca specialises in rapid, flexible unsecured business loans for small UK businesses. It suits companies requiring quick access to funds with no early repayment penalties. Their services focus on simplified lending criteria and short-term loan options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 1.5%
  • Max APR: 49%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Various

Pros

  • Quick funds disbursement
  • No early repayment fees

Cons

  • Shorter loan terms

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for consumer goods brands, consider how loan size and APR align with your budget. Review eligibility requirements carefully to ensure a good fit. Balance the need for speed in funding against flexibility in terms and repayment options. Evaluate how lender criteria and fees mesh with your business seasonality and cash flow cycles. Additionally, assess the potential for secured versus unsecured financing depending on your collateral availability and risk tolerance.

Conclusion

Choosing the right lender depends on your business needs and loan purpose. Banks often provide stability and longer terms, suitable for established firms. Brokers can offer access to a wider range of lenders and product types. Specialist providers focus on niche financing solutions like asset-based or invoice finance. Funding Agent is a strong choice for SMEs seeking quick comparisons across multiple options. Consider a 200 thousand pounds loan carefully to match provider characteristics with your financial goals.

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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 a range of business loans tailored to different needs, supporting UK businesses with borrowing solutions for over 250 years.£1,000–£1,000,000; 6.9%–11.2% APR; 1 to 25 years
3Bibby Financial ServicesBibby Financial Services supports over 8,000 UK SMEs with bespoke financial solutions including invoice finance and trade finance.£5,000–£1,000,000; 9%–29.9% APR; Unknown
4Ultimate FinanceUltimate Finance provides funding solutions with an emphasis on asset-based lending to meet the diverse needs of UK businesses.£100,000–£4,000,000; 0.79%–0% APR; 12 to 84 months
5AldermoreAldermore offers specialized mortgage, savings, and business finance solutions, prioritizing SME support with tailored loan options.£25,000–£2,000,000; 3.49%–0% APR; 3 months to 6 years
6Time FinanceTime Finance provides versatile funding options like asset finance, invoice finance, and business loans to enhance UK business growth.£50,000–£5,000,000; 0%–0% APR; Up to 5 years
7Close BrothersSpecialists in asset finance, Close Brothers support businesses with a wide range of financing solutions to aid business growth and stability.£0–£2,000,000; 0%–11.9% APR; 3 months to 6 years
8CapifyCapify provides rapid and flexible business loans for SMEs, specializing in short-term funding with straightforward lending criteria.£5,000–£1,000,000; 67.89%–67.89% APR; 3 to 12 months
9Nucleus Commercial FinanceNucleus Commercial Finance provides tailored financial solutions to SMEs, offering both secured and unsecured business loans.£3,000–£2,000,000; 6%–19.9% APR; 6 months to 7 years
10iwocaFocused on small businesses, iwoca delivers swift and flexible business loans, supporting growth and financial management in the UK.£1,000–£1,000,000; 1.5%–49% APR; 1 to 24 months
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