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.
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
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
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
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
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
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
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
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
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
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
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.