April 14, 2026
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Best Selective Invoice Finance Lenders for Importers

Discover the best selective invoice finance lenders tailored for UK importers. Learn how to improve cash flow and manage international payments effectively.
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Best Selective Invoice Finance Lenders for Importers
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Selective Invoice Finance Lenders for Importers

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 swiftly compare a range of business finance options through a streamlined application process. It is suited to businesses needing quick decisions and clear eligibility without collateral requirements. The platform offers flexibility in loan products and repayment options to match various business 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 focuses on invoice financing solutions designed to improve cash flow for SMEs by leveraging outstanding receivables. It is suited to businesses that require fast access to funding secured by invoices. Triver offers technology-driven, specialised funding with rapid processing but limits funding to existing invoices.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: General business services

Pros

  • Fast service
  • Technology-driven solutions

Cons

  • Limited to existing invoices

Sources: Source

3. Lloyds Bank

Lloyds Bank offers a broad range of business loans, focusing on tailored lending for SMEs and larger enterprises. It is suited to businesses seeking comprehensive financing solutions with flexible terms and established bank lending standards. Lloyds typically requires eligibility checks and may have more stringent criteria than specialist lenders.

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 services

Pros

  • Trusted name
  • Flexible loan amounts

Cons

  • Strict eligibility criteria

Sources: Source

4. Skipton Business Finance

Skipton Business Finance specialises in asset-based lending, helping SMEs unlock working capital via invoice finance and secured lending against assets. It suits businesses seeking flexible finance solutions that include collateral requirements. Products typically balance asset value against loan availability with repayment terms depending on asset types.

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: Various sectors

Pros

  • Flexible finance options
  • Support for growth

Cons

  • May require collateral

Sources: Source

5. Kriya

Kriya provides fintech-driven financing focused on working capital and invoice finance solutions. Its offerings suit businesses in tech-driven sectors requiring swift approvals and tailored lending. Kriya emphasises short-term loans with flexibility around repayment, catering to evolving business funding needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 3 months

Services & Industries

  • Finance Types: Working Capital Loans, Invoice Finance
  • Industries: Tech-driven sectors

Pros

  • Innovative fintech solutions
  • Quick approvals

Cons

  • Short loan durations

Sources: Source

6. Growth Lending

Growth Lending offers sizable growth capital loans, focusing on R&D, business expansion, and mergers. It is best suited to growth-oriented UK SMEs requiring substantial funding with potential emphasis on strategic development. Flexibility and speed are key features, though minimum loan amounts are higher than typical invoice finance providers.

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-oriented businesses

Pros

  • Large loan amounts
  • Focus on growth

Cons

  • High minimum loan amount

Sources: Source

7. Bibby Financial Services

Bibby Financial Services is a UK independent invoice finance specialist providing cash flow funding tailored for SMEs. It suits businesses focused primarily on invoice finance requiring specialist support and customised solutions. The provider emphasises flexibility within invoice finance but may not extend to broader lending offerings.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Multiple sectors

Pros

  • Specialist in invoice finance
  • Tailored solutions

Cons

  • Focus on invoice finance only

Sources: Source

8. Close Brothers

Close Brothers provides asset finance and funding primarily targeted at SMEs needing to acquire or refinance assets. It suits businesses that prefer asset-backed lending solutions with structured repayment plans. The provider emphasises flexibility within asset finance but is primarily asset focused.

Loan Details

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

Services & Industries

  • Finance Types: Asset Finance
  • Industries: Various industries

Pros

  • Flexible options
  • Strong reputation

Cons

  • Primarily asset-focused

Sources: Source

9. Aldermore Bank

Aldermore Bank offers flexible business finance products including invoice and asset-based lending, suitable for SMEs across various sectors. It is geared towards businesses needing a mix of unsecured and secured options with expert support. Aldermore balances customer service with structured products and tailored repayment solutions.

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 across sectors

Pros

  • Customer-focused
  • Expert support

Cons

  • May involve structured products

Sources: Source

10. Santander

Santander provides a range of business borrowing options tailored to UK SMEs, with particular focus on loans starting from £25,001. It suits businesses seeking established lender options with a variety of products and flexible terms. The provider offers structured lending with consideration for repayment flexibility across industries.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans
  • Industries: Broad range of industries

Pros

  • Established bank
  • Variety of products

Cons

  • Higher starting loan amounts

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for importers, consider the size and duration of the loan relative to your business cash flow cycle. Evaluate eligibility criteria carefully, including whether collateral or security is required and the typical repayment schedules offered. Speed of access to funds should be balanced with flexibility in terms and fees. It is important to understand the lender’s approach to invoice verification and how it fits with your import transactions. Additionally, review any brokered access or specialist services that might streamline the application process. Finally, factor in how seasonal import cycles may affect your repayment capacity.

Conclusion

Matching the right lender to your use case is crucial. Banks like Lloyds and Santander typically offer broader business loan products with structured eligibility, suited for stable businesses. Brokers and platforms such as Funding Agent provide faster comparisons and flexible unsecured options, useful for SMEs needing quicker decisions. Specialists like Bibby and Triver focus on invoice finance, ideal for businesses relying on receivables for cash flow. For larger or asset-backed loans, providers like Growth Lending and Skipton cater to specific financing needs. Always confirm current costs and terms with the lender; pricing may change.

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FAQs

What is selective invoice finance?
How does selective invoice finance benefit importers?
Are there any fees involved with selective invoice finance?
Can all types of invoices be financed selectively?
How quickly can importers access funds through selective invoice finance?
Is selective invoice finance better than traditional loans for importers?

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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 invoice financing solutions to SMEs, leveraging receivables to enhance cash flow, dedicated to rapid business funding.£0–£0; 0%–0% APR; Unknown
3Lloyds BankLloyds Bank provides a comprehensive range of business loans, including tailored options for SMEs and large businesses with diverse financial needs.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
4Skipton Business FinanceSkipton Business Finance offers asset-based lending, helping SMEs unlock working capital through invoice financing and other financial solutions.£0–£0; 0%–0% APR; Unknown
5KriyaKriya provides tailored financing solutions, including working capital loans and invoice finance, using fintech to serve business needs efficiently.£0–£0; 0%–0% APR; 1 to 3 months
6Growth LendingGrowth Lending provides fast, flexible growth capital to UK SMEs, focusing on R&D, expansion and mergers & acquisitions.£2,000,000–£10,000,000; 0%–0% APR; Unknown
7Bibby Financial ServicesA leading UK independent invoice finance specialist, Bibby Financial Services provides cash flow funding solutions tailored for SMEs.£0–£0; 0%–0% APR; Unknown
8Close BrothersClose Brothers provides asset finance and funding solutions, focusing on supporting SMEs to purchase or refinance assets.£0–£0; 0%–0% APR; Unknown
9Aldermore BankAldermore Bank offers flexible business finance products designed to help businesses grow, including invoice and asset-based lending.£0–£0; 0%–0% APR; Unknown
10SantanderSantander provides a variety of business borrowing options tailored for UK SMEs, offering loans from £25,001 with flexible terms.£25,001–£0; 0%–0% APR; Unknown