April 14, 2026
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Best Selective Invoice Finance Lenders for Haulage and Transport Firms

Discover the best selective invoice finance lenders tailored for haulage and transport businesses in the UK. Improve cash flow with flexible funding options today.
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Best Selective Invoice Finance Lenders for Haulage and Transport Firms
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Selective Invoice Finance Lenders for Haulage and Transport Firms

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 helping UK SMEs quickly compare unsecured business finance options. It is suitable for businesses seeking fast, straightforward application processes without collateral. Flexibility in loan amounts and repayment terms is a key feature, making it a practical choice for varied working capital needs.

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. Triver

Triver specialises in cash flow finance through invoice financing for small to mid-sized UK businesses. It suits firms looking for quick capital without traditional security requirements. The service emphasises fast access and technology-led processes but is limited to this specific financing type.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Transport, Logistics

Pros

  • Fast funding
  • Technology-driven solutions

Cons

  • Limited to invoice financing

Sources: Source

3. Lloyds Bank

Lloyds Bank provides a wide range of business loans with options suited to operational growth, equipment purchase, and cash flow management. It is well suited for established firms requiring flexibility and various repayment terms. Loans are typically secured or unsecured depending on borrower eligibility and purpose.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 3.5%
  • Max APR: 15%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various including Transport

Pros

  • Flexible terms
  • Established reputation

Cons

  • Strict eligibility requirements

Sources: Source

4. Skipton Business Finance

Skipton Business Finance offers invoice finance and asset-based lending focused on supporting working capital for UK SMEs. It is suitable for businesses requiring secured finance linked to invoices or assets. The provider emphasises flexibility while relying on asset collateral and industry-specific solutions.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Invoice Financing, Asset-Based Lending
  • Industries: Transport, Haulage

Pros

  • Supports cash flow
  • Flexible options

Cons

  • Primarily asset-based

Sources: Source

5. Novuna

Novuna provides flexible financial products including quick business and invoice finance loans. It suits smaller to mid-sized UK firms looking for accessible funding with clear terms. The provider offers competitive options with a focus on support and timely approvals.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0.5%
  • Max APR: 5%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Invoice Financing, Business Loans
  • Industries: Transport, Logistics

Pros

  • Fast approval
  • No hidden fees

Cons

  • Short-term focus

Sources: Source

6. White Oak UK

White Oak UK specialises in SME business loans and invoice finance designed to unlock working capital. It is suited for companies seeking flexible funding with competitive terms and various repayment options. The provider handles a range of loan sizes with an emphasis on collaborative client relationships.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 1.5%
  • Max APR: 10%
  • Loan Duration: 3 to 72 months ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Financing
  • Industries: Various including Transport

Pros

  • Large loan offerings
  • Collaborative approach

Cons

  • Complex application process

Sources: Source

7. Millbrook Business Finance

Millbrook Business Finance offers tailored secured and unsecured loans with competitive rates, suitable for various business needs. It caters to UK businesses requiring custom finance solutions with flexible repayment options. The company supports a broad industry range including transport and general business sectors.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £500,000
  • Min APR: 2%
  • Max APR: 12%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: Transport, General Business

Pros

  • Custom solutions
  • Competitive rates

Cons

  • Various fees

Sources: Source

8. Fleximize

Fleximize provides flexible loans based on recent revenue, targeting UK SMEs needing accessible funding quickly. It is suitable for businesses seeking flexible repayment schedules. The provider focuses on streamlined application and funding speed with a broad range of loan sizes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 7.9%
  • Max APR: 29.9%
  • Loan Duration: 1 to 36 months ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various including Logistics

Pros

  • Quick funding
  • Flexible repayment

Cons

  • Limited access for startups

Sources: Source

9. Elite Business Finance

Elite Business Finance offers tailored business loan products designed to support UK enterprises in growth and expansion. It is suitable for firms seeking bespoke financing options with expert guidance. The provider focuses on flexible terms and tailored repayment structures across relevant sectors.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £300,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Transport, Haulage

Pros

  • Tailored solutions
  • Expert support

Cons

  • Smaller loan limits

Sources: Source

10. Charles & Dean

Charles & Dean provides bespoke business and asset finance solutions focused on managing cash flow and company expansion. It is ideal for clients requiring larger loan amounts and tailored repayment plans. The service emphasises flexibility and customised lending strategies suited to transport and logistics sectors.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £50,000,000
  • Min APR: 3%
  • Max APR: 20%
  • Loan Duration: 6 to 120 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Transport, Logistics

Pros

  • Bespoke services
  • High borrow limits

Cons

  • Potentially complex terms

Sources: Source

How to choose

When selecting from the best selective invoice finance lenders for haulage and transport firms, consider your specific cash flow and working capital needs. Prioritize lenders offering speed and flexibility in financing terms that match your typical invoice cycles. Check the extent of collateral requirements and if repayment schedules align with your business seasonality. It helps to assess whether providers specialise in asset-backed lending or unsecured loans, as well as their expertise in the transport sector. Comparing APRs, loan durations, and eligibility criteria can guide you toward an option that minimises costs while providing appropriate funding. Always review early repayment policies and lender reputations before committing.

Conclusion

Choosing the right lender depends on your financing goals and business profile. Bank loans often suit established firms seeking higher amounts with formal terms, while brokers and specialists like invoice finance providers offer faster, more flexible access. Providers vary in collateral and loan structure, so align their offerings with your transport or haulage firm's working capital needs. Funding Agent is a practical choice for SME borrowers looking to compare multiple options promptly. Ultimately, review all terms and costs closely to select the best fit for your 200 thousand pounds loan requirements.

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FAQs

What is selective invoice finance?
How does selective invoice finance benefit haulage and transport firms?
Are there specific lenders specialising in invoice finance for transport businesses?
What fees are associated with selective invoice finance?
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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
2TriverTRIVER offers cash flow financing to small and mid-sized businesses, leveraging receivable client invoices to provide quick capital.£10,000–£250,000; 0%–0% APR; Unknown
3Lloyds BankLloyds Bank offers a variety of business loans tailored to the needs of UK businesses, specializing in expansive operations, equipment investment, and cash flow management.£1,000–£1,000,000; 3.5%–15% APR; 1 to 25 years
4Skipton Business FinanceSkipton Business Finance provides financial solutions using invoice finance and asset-based lending to support the working capital needs of UK SMEs.£5,000–£500,000; 0%–0% APR; Unknown
5NovunaNovuna offers flexible finance solutions, including quick business loans and invoice finance to enhance business cash flows.£10,000–£250,000; 0.5%–5% APR; 1 to 24 months
6White Oak UKWhite Oak UK specializes in SME finance solutions ranging from business loans to invoice finance, aimed at unlocking working capital needs.£5,000–£2,000,000; 1.5%–10% APR; 3 to 72 months
7Millbrook Business FinanceMillbrook provides custom business finance solutions, offering both secured and unsecured loans tailored to UK businesses' needs.£20,000–£500,000; 2%–12% APR; 6 to 60 months
8FleximizeFleximize provides flexible funding options for UK SMEs, with the ability to borrow based on two months’ revenue.£5,000–£500,000; 7.9%–29.9% APR; 1 to 36 months
9Elite Business FinanceElite Business Finance provides a range of tailored business loans to help UK enterprises grow and expand efficiently.£10,000–£300,000; 5%–15% APR; 6 to 60 months
10Charles & DeanCharles & Dean offers bespoke business loans and asset finance solutions for companies looking to expand or manage cash flow.£5,000–£50,000,000; 3%–20% APR; 6 to 120 months
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