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

Discover the best selective invoice finance lenders tailored for ecommerce businesses in the UK. Improve cash flow with flexible financing options today.
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Best Selective Invoice Finance Lenders for Ecommerce 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 Ecommerce 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 2026-04-07.

1. Funding Agent

Funding Agent specialises in providing unsecured business loans and working capital options to UK SMEs. It is suitable for businesses seeking straightforward access to finance with clear terms. The platform offers a fast application process with quick eligibility checks and repayment flexibility.

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. Kriya

Kriya focuses on providing invoice finance and working capital loans tailored for B2B ecommerce businesses. It is suitable for companies looking to improve cash flow with short-term financing solutions. Kriya’s products feature quick approval times and flexible options designed for scalable business growth.

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: E-commerce, B2B

Pros

  • Fast approval
  • Scalable solutions

Cons

  • Short-term financing only

Sources: Source

3. Skipton Business Finance

Skipton Business Finance provides asset-based lending and invoice finance solutions targeting SMEs needing secured working capital. It is suited for businesses with receivables or assets to leverage for funding. The lender offers tailored finance with a focus on flexibility backed by company assets.

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 financing
  • Supports growth

Cons

  • Limited to receivables and assets

Sources: Source

4. Triver

Triver specialises in providing invoice financing designed for small and mid-sized businesses. It is best suited for companies needing instant capital to manage cash flow fluctuations. The offerings are characterised by fast access and reliance on invoice-based collateral, with flexible terms.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Small and mid-sized businesses

Pros

  • Fast cash flow
  • AI-powered

Cons

  • Invoice-dependent

Sources: Source

5. Lloyds Bank

Lloyds Bank offers a broad range of business loans with flexible terms and repayment options. It is appropriate for businesses aiming for expansion or investment requiring longer-term funding. The bank provides structured finance with options for secured or unsecured loans, tailored to various industries.

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
  • Industries: Various

Pros

  • Wide range of loan amounts
  • Flexible terms

Cons

  • Long approval process

Sources: Source

6. Novuna

Novuna provides financial solutions tailored to small businesses including loans and invoice finance. It is suited for businesses requiring straightforward repayment plans and quick access to funds. Novuna focuses on flexibility and practical terms for SME clients.

Loan Details

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

Services & Industries

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

Pros

  • Quick fund release
  • No hidden fees

Cons

  • Higher minimum loan amount

Sources: Source

7. Stenn

Stenn delivers flexible invoice financing solutions that support international SMEs with fast, collateral-free funding. It suits businesses looking for quick processing and cash flow enhancement without asset security demands. Stenn offers adaptable funding with a focus on speed and flexibility.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: International SMEs

Pros

  • Flexible
  • Fast processing

Cons

  • Collateral-free only

Sources: Source

8. iwoca

iwoca offers flexible loan options for SMEs with quick decisions and no early repayment penalties. It suits businesses seeking versatile terms and straightforward access to funding. iwoca emphasises speed and borrower flexibility within their loan products.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 day to 24 months

Services & Industries

  • Finance Types: Business Loans
  • Industries: SMEs

Pros

  • Flexible terms
  • Quick decisions

Cons

  • Shorter loan terms

Sources: Source

9. Funding Circle

Funding Circle provides fast and affordable small business loans focused on UK SMEs. It fits businesses seeking straightforward loan terms with rapid approval processes. Funding Circle emphasises accessible funding for small-scale business needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans
  • Industries: Small Business

Pros

  • Fast decisions
  • Affordable rates

Cons

  • Limited to small businesses

Sources: Source

10. Nucleus Commercial Finance

Nucleus Commercial Finance offers flexible business loans to a range of UK industries. It is suitable for SMEs requiring moderate funding with quick approval times and adaptable terms. Their focus is on straightforward, brokered access to funding tailored for various business needs.

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: Various

Pros

  • Flexible options
  • Rapid decisions

Cons

  • Mid-range loan cap

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for ecommerce businesses, consider your cash flow needs and invoice volumes. Prioritise lenders offering transparent eligibility criteria and flexible repayment options that align with your sales cycles. Evaluate the speed of application and funding, especially if quick access to capital is vital. Assess whether collateral is required and how that fits your risk comfort. Also, review fees, loan duration ranges, and whether the provider caters specifically to ecommerce or B2B sectors to find the best fit for your operational model.

Conclusion

Choosing the right lender depends on your business scale and finance needs. Banks typically suit larger or longer-term loans while brokers and specialist providers may offer more flexible or quicker access. Expertise in invoice finance can benefit ecommerce businesses requiring tailored cash flow solutions. Funding Agent offers a useful platform for comparing options, including those providing up to a million pounds in finance. Matching provider type to your use case ensures better alignment with your financial strategy.

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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
2KriyaKriya provides B2B PayLater, invoice finance, and working capital loans, helping businesses boost buyer conversion and scale effectively.£0–£0; 0%–0% APR; 1 to 3 months
3Skipton Business FinanceSkipton Business Finance offers asset-based lending and invoice financing solutions to help SMEs unlock working capital in the UK.£0–£0; 0%–0% APR; Unknown
4TriverTriver provides instant capital through invoice financing, aimed at helping small and mid-sized businesses manage cash flow effectively.£0–£0; 0%–0% APR; Unknown
5Lloyds BankLloyds Bank offers a wide range of business loans with flexible terms, supporting business expansion and investment in the UK.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
6NovunaNovuna offers innovative financial solutions tailored to small businesses, including straightforward repayment options and quick fund release.£10,000–£0; 0%–0% APR; Unknown
7StennStenn offers flexible invoice financing solutions to SMEs, enhancing cash flow with fast, collateral-free options.£0–£0; 0%–0% APR; Unknown
8iwocaiwoca provides flexible loans ranging from £1,000 to £1,000,000 to small businesses, with quick decisions and no penalties for early repayment.£1,000–£1,000,000; 0%–0% APR; 1 day to 24 months
9Funding CircleFunding Circle offers fast and affordable small business loans in the UK, enabling businesses to borrow up to £750,000 with quick decision times.£0–£750,000; 0%–0% APR; Unknown
10Nucleus Commercial FinanceNucleus Commercial Finance provides flexible funding options for UK businesses, offering loans from £3k to £500k with rapid decisions.£3,000–£500,000; 0%–0% APR; Unknown