Best Selective Invoice Finance Lenders for Freight Forwarders
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.
Funding Agent provides a brokered platform to compare various business finance options. It suits UK SMEs looking for quick eligibility checks and multiple solutions in one place. The service offers flexible repayment types and does not require collateral for many products.
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
Bibby Financial Services specialises in invoice finance and asset-based lending. It is suitable for UK SMEs needing support with cash flow and working capital. The provider focuses on delivering tailored financing with some flexibility on terms, often requiring security on invoices.
Loan Details
- Min Amount: £7,500
- Max Amount: £25,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Finance, Asset Based Lending
- Industries: General Business, Logistics
Pros
- Large independent provider
- Custom solutions for SMEs
Cons
- APR details not disclosed
Lloyds Bank offers business loans aimed at supporting investment and growth for UK businesses. It is best suited for borrowers who prefer established banking relationships and flexible loan durations up to 25 years. Security requirements vary depending on the loan type and amount.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 25 years ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: General Business, SMEs
Pros
- Established bank with experience
- Flexible loan amounts
Cons
- APR information not specified
Skipton Business Finance focuses on asset-based lending and invoice finance for UK SMEs. It suits businesses seeking finance secured against assets or invoices, prioritising tailored solutions. Details on terms and rates are generally custom to client needs and vary by agreement.
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
- Tailored finance solutions
- Strong focus on SMEs
Novuna delivers business loans and invoice financing with a focus on improving cash flow. Suitable for SMEs seeking flexible credit for working capital needs, it emphasizes straightforward applications and efficient funding. Specific maximum lending details are generally customised.
Loan Details
- Min Amount: £10,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans, Invoice Finance
- Industries: General Business
Pros
- Innovative solutions
- Fast funding processes
Cons
- Maximum loan amounts unspecified
eCapital specialises in invoice financing and working capital loans designed for growing businesses. It offers tailored, flexible funding with a focus on industry expertise. Terms and exact loan sizes depend on individual client circumstances and needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Finance, Working Capital Loans
- Industries: General Business
Pros
- Flexible solutions
- Industry expertise
Cons
- Specific loan and APR info lacking
Shire Invoice Finance Limited provides selective invoice finance and factoring products. It is aimed at businesses that want to release cash tied in invoiced sales, offering tailored solutions with varied flexibility. Suitable for UK SMEs in need of specialised invoice funding.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Selective Invoice Finance, Invoice Factoring
- Industries: General Business
Pros
- Diverse product offerings
- Part of a leading finance company
Cons
- Limited detailed loan info
Close Brothers Invoice Finance specialises in invoice finance and asset based lending for B2B businesses. It is suited to companies seeking trusted providers with a range of finance options. Flexibility and security requirements vary by client and deal structure.
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: B2B
Pros
- Trusted finance provider
- Innovative finance options
Cons
- Loan details not extensively specified
Iwoca offers fast and flexible business loan options via online applications. It suits SMEs seeking quick access to funds with straightforward terms and options for repayment. Loan amounts and durations accommodate short to medium term business needs.
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: General Business
Pros
- Quick decision process
- No early repayment fees
Cons
- APR details are not transparent
Kriya provides invoice finance, B2B PayLater, and working capital loans focused on short-term business cash flow needs. Suitable for SMEs requiring flexible, short-duration funding solutions, it supports varied repayment structures tailored to client circumstances.
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: B2B
Pros
- Innovative finance products
- Flexible terms
Cons
- Limited to short-term loans
How to choose
When selecting among the best selective invoice finance lenders for freight forwarders, consider your business size and financing needs first. Look for providers that offer flexible terms and repayment options aligned with freight payment cycles. Assess each lender’s eligibility criteria and whether collateral is required. Speed of funding can be critical for cash flow management, so factor in application and approval times. It is also important to balance costs, such as fees and APR, with the level of service and support offered. Consulting multiple lenders or brokers can help identify options that best fit your operational rhythm and growth plans.
Conclusion
Choosing the right lender depends on your specific business needs and financial goals. Banks like Lloyds tend to suit those seeking established lending with flexible amounts and longer terms. Brokers such as Funding Agent provide access to a range of lenders with quicker eligibility checks and diverse loan products. Specialists focus on tailored invoice finance solutions which may best serve businesses requiring asset-backed options or sector-specific expertise. Funding Agent remains a useful resource for SMEs looking to compare options for a 200 thousand pounds loan or similar. Always verify terms and conditions directly with lenders before committing.
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