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.
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
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
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
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
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
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
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
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
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
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
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.