Best Selective Invoice Finance Lenders for Hospitality 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 Funding Agent focuses on comparing multiple business finance products for UK SMEs. It is suitable for clients seeking quick and clear loan options with flexible terms and straightforward application processes. The provider offers unsecured loans without collateral requirements and aims for rapid eligibility matching.
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
OakNorth Bank OakNorth Bank offers tailored secured business loans primarily targeting mid-sized enterprises. Its solutions are suited for businesses looking for higher loan amounts with negotiated terms based on individual deals. The provider emphasises bespoke support and structured repayments negotiated per agreement.
Loan Details
- Min Amount: £1,000,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies per deal ⌛
Services & Industries
- Finance Types: Secured Business Loans
- Industries: Various
Pros
- Custom financing solutions
- Dedicated support
Cons
- Higher minimum loan amount
iwoca iwoca specialises in fast, flexible unsecured business loans ideal for SMEs seeking quick working capital. It suits businesses valuing easy access to funds with variable repayment terms and no early repayment penalties. The platform is designed for straightforward application and rapid approval.
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: Unsecured Business Loans
- Industries: Various
Pros
- Quick approval process
- Flexible repayment terms
Cons
- Limited to smaller loan size
Lloyds Bank Lloyds Bank provides a broad range of secured and unsecured loan products supporting business growth and investment needs. It is suitable for SMEs seeking reliable funding with longer repayment durations and variety in loan structures. The bank offers established credentials and a range of flexible repayment options.
Loan Details
- Min Amount: £1,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 25 years ⌛
Services & Industries
- Finance Types: Secured Business Loans, Unsecured Business Loans
- Industries: Various
Pros
- Wide range of loan products
- Established bank
Cons
- Complex application process
Novuna Novuna provides quick-access financial solutions aimed at improving business cash flow for SMEs. The provider is appropriate for those needing flexible funding with a focus on cash flow management. Loan specifics are less detailed, but the offerings prioritise speed and straightforward funding access.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Cash Flow Solutions
- Industries: Various
Pros
- Fast fund release
- Flexible options
Skipton Business Finance Skipton Business Finance focuses on asset-based lending and invoice finance solutions tailored to UK SMEs. It is suitable for businesses needing to unlock working capital with collateral typically involved. The lender offers flexible products that can be adapted to varying business sectors and funding requirements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Invoice Finance, Asset-Based Lending
- Industries: Various
Pros
- Custom solutions
- Focus on SMEs
Ultimate Finance Ultimate Finance provides asset-based lending solutions that help businesses manage cash flow and support expansion plans. It is suitable for SMEs requiring higher loan amounts and bespoke lending options. The provider offers flexible facilities tailored to different sectors and loan durations.
Loan Details
- Min Amount: £100,000
- Max Amount: £4,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Asset-Based Lending
- Industries: Various
Pros
- Tailored solutions
- Supportive service
Cons
- Higher minimum loan threshold
Close Brothers Close Brothers offers specialist banking and asset management support focused on UK SMEs. Their lending includes asset and commercial finance, suitable for businesses needing structured financing secured against assets. The provider emphasises stability and a broad range of financial services.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Asset Finance, Commercial Finance
- Industries: Various
Pros
- Comprehensive financial services
- Reputable company
Cons
- Information on specific loans is limited
Triver Triver delivers AI-powered lending solutions aimed at improving financial operations for UK businesses. It caters to those interested in technology-driven, fast funding options with flexible underwriting. Suitable for businesses seeking innovation alongside traditional finance structures.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: AI-Powered Lending
- Industries: Various
Pros
- Innovative technology
- Fast processing
Nucleus Commercial Finance Nucleus Commercial Finance specialises in a broad range of products including business loans and cash flow finance. It is suitable for SMEs needing flexible borrowing options with varied terms. The provider focuses on supporting ongoing operational financing and growth requirements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Business Loans, Cash Flow Finance
- Industries: Various
Pros
- Diverse product range
- Strong customer support
How to choose
When selecting the best selective invoice finance lender for hospitality businesses, consider your specific funding needs such as loan size and repayment flexibility. Evaluate how each provider’s offering aligns with seasonal cash flow patterns and business cycles typical to hospitality. Look at eligibility criteria, collateral requirements, and available loan products like secured or unsecured options. Factor in the speed of access to funds and any fees associated with the loan. Brokered lenders may offer a wider range of options, whereas banks may provide more structure but less flexibility. Assess support and transparency before committing.
Conclusion
Choosing the right lender depends on the type of financing needed and business characteristics. Banks generally suit businesses seeking structured loans or long-term funding while brokers and specialist lenders often provide faster access and more flexible terms for specific needs like invoice finance. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Always confirm current prices and terms with providers before applying. By matching lender type to use case, businesses can find appropriate funding solutions whether they need a 200 thousand pounds loan or other amounts.
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