April 14, 2026
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Best Selective Invoice Finance Lenders for Hotels and Accommodation Providers

Discover the best selective invoice finance lenders tailored for hotels and accommodation businesses. Improve cash flow and manage payments with trusted UK lenders.
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Best Selective Invoice Finance Lenders for Hotels and Accommodation Providers
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 Hotels and Accommodation Providers

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 offers UK SMEs a brokered platform to compare a range of business finance products quickly. The provider suits businesses needing clear options and predictable terms with varied loan durations and amounts. It supports fast application processes, unsecured lending, and no collateral requirements.

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 focuses on providing instant capital through invoice financing, enabling businesses to optimise cash flow. It is typically suitable for SMEs requiring quick access to funds secured against client invoices. The provider offers straightforward solutions with an emphasis on speed and technological efficiency without collateral demands.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: General Business

Pros

  • Fast funding
  • Technology driven

Cons

  • Limited product range

Sources: Source

3. Lloyds Bank

Lloyds Bank provides a broad range of financial products including business loans aimed at expansion or asset purchase. It generally suits established businesses and franchise buyers who can meet bank eligibility criteria. The bank offers flexibility in loan durations and amounts but often requires collateral depending on the loan type.

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: General Business

Pros

  • Large loan amounts
  • Established bank

Cons

  • Strict eligibility criteria

Sources: Source

4. Skipton Business Finance

Skipton Business Finance specialises in asset-based lending and invoice finance tailored for SMEs. It typically serves businesses requiring secured funding solutions with flexibility on invoice financing. The provider focuses on supporting cash flow management using assets or invoices as security.

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 invoice solutions
  • SME-focused

Cons

  • Limited loan types

Sources: Source

5. Kriya

Kriya offers invoice finance and working capital loan products designed to support business growth and manage cash flow. It is suitable for SMEs looking for short-term flexible funding with an emphasis on quick access and varied repayment options. Kriya operates with a focus on finance solutions requiring minimal collateral.

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: General Business

Pros

  • Diverse finance solutions
  • Flexible funding

Cons

  • Short loan terms

Sources: Source

6. Growth Lending

Growth Lending specialises in growth capital and term loans for fast-growing SMEs focused on expansion and development. It generally suits established businesses requiring larger loan amounts and longer terms. The provider emphasises supporting R&D, acquisitions, and growth initiatives with tailored financing.

Loan Details

  • Min Amount: £2,000,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Growth Capital, Term Loans
  • Industries: Growth Businesses

Pros

  • Large loan sizes
  • Supports fast growth

Cons

  • Minimum loan size is large

Sources: Source

7. White Oak UK

White Oak UK provides tailored loan solutions designed for UK SMEs with a focus on rapid access to funding. It suits borrowers seeking flexible business loans with a range of amounts and repayment structures. The provider prioritises straightforward application processes and timely capital delivery.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: SMEs

Pros

  • Quick fund access
  • Wide range of loan amounts

Cons

  • Limited loan product types

Sources: Source

8. Nucleus Commercial Finance

Nucleus Commercial Finance offers customised financial products including secured and unsecured loans tailored to diverse business needs. It suits SMEs looking for flexible lending with potential security requirements. The provider emphasises adaptable terms and personalised loan structuring.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: General Business

Pros

  • Tailored loans
  • Flexible terms

Cons

  • High minimum loan amounts

Sources: Source

9. Iwoca

Iwoca is a fintech lender offering flexible, quick access business loans with no early repayment penalties. It suits SMEs seeking fast decision-making and flexible terms with straightforward eligibility. The provider emphasises customer-friendly lending with no hidden fees and adaptable repayment schedules.

Loan Details

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

Services & Industries

  • Finance Types: Business Loans
  • Industries: SMEs

Pros

  • Quick approval
  • No fees on early repayment

Cons

  • Short loan terms

Sources: Source

10. Barclays

Barclays offers a broad suite of financial services including business loans and commercial mortgages. It suits businesses with solid eligibility and collateral capacity seeking structured funding options. Barclays emphasises comprehensive support and flexible credit arrangements for business growth.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: General Business

Pros

  • Long-standing institution
  • Comprehensive services

Cons

  • Some options require collateral

Sources: Source

How to choose

When selecting the best selective invoice finance lender for hotels and accommodation providers, consider your typical invoice sizes and required loan periods. Evaluate lenders based on their eligibility criteria and whether their finance types suit seasonal cash flow needs. Speed of funding and flexibility of repayment will impact your operations, so weigh these carefully. Also, check if collateral or security is needed to secure loans, and assess any fees or restrictions on early repayment. Brokered platforms may offer wider options, while specialists can provide tailored invoice finance solutions suitable for hospitality businesses.

Conclusion

Choosing the right lender depends on your specific needs. Banks like Lloyds or Barclays suit businesses seeking traditional, structured loans often requiring collateral. Brokers such as Funding Agent offer fast comparisons across various finance options, fitting SMEs looking for flexibility. Specialists like Skipton Business Finance or Triver focus on invoice or asset-backed finance, often benefiting those needing targeted solutions. Funding Agent remains a useful resource for comparing numerous offers quickly. Always review current terms to ensure the best fit for your funding needs under a 200 thousand pounds loan or similar.

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FAQs

What is selective invoice finance?
How can selective invoice finance help hotels and accommodation providers?
Are there specific lenders specialising in hotels and accommodation for invoice finance?
What factors should hotels consider when choosing an invoice finance lender?
Is selective invoice finance suitable for small accommodation providers?
How quickly can hotels access funds through 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 provides instant capital to small and medium-sized businesses using receivable client invoices, optimising cash flow through invoice financing.£0–£0; 0%–0% APR; Unknown
3Lloyds BankLloyds Bank offers comprehensive financial solutions, including small business loans for expansion and asset purchase.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
4Skipton Business FinanceSkipton Business Finance provides asset-based lending and invoice finance solutions tailored to the needs of UK SMEs.£0–£0; 0%–0% APR; Unknown
5KriyaKriya offers B2B PayLater, invoice finance, and working capital loans to support business growth and cash flow management.£0–£0; 0%–0% APR; 1 to 3 months
6Growth LendingGrowth Lending provides growth capital, term loans, and financial solutions for fast-growing UK SMEs seeking investment for R&D, expansion, and M&A activities.£2,000,000–£10,000,000; 0%–0% APR; Unknown
7White Oak UKWhite Oak UK offers tailored loan and finance solutions to UK SMEs, with a special focus on quick access to business capital.£5,000–£2,000,000; 0%–0% APR; Unknown
8Nucleus Commercial FinanceNucleus Commercial Finance delivers tailor-made financial solutions, offering a wide array of both secured and unsecured business loans.£3,000–£2,000,000; 0%–0% APR; Unknown
9IwocaIwoca is a fintech leader offering quick, flexible business loans with no early repayment fees, supporting SMEs with financial services tailored to their needs.£1,000–£1,000,000; 0%–0% APR; 1 to 24 months
10BarclaysBarclays provides a wide range of financial services to support businesses, including loans, commercial mortgages, and credit options to boost business growth.£1,000–£100,000; 0%–0% APR; Unknown
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