Best Selective Invoice Finance Lenders for Industrial Services Companies
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 provides a platform for UK SMEs to access a variety of business finance options quickly through a streamlined application and eligibility process. It is suitable for businesses seeking unsecured finance with flexible terms and no collateral. The service emphasises fast decisions and transparent comparisons across multiple lenders.
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
Lloyds Bank offers a variety of business loans designed to support growth and investment projects in the UK. It suits businesses needing reliable bank financing with clear terms and potentially longer repayment periods. Lending is backed by the bank's established reputation and may involve credit assessments and collateral requirements.
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
- Established bank reputation
- Wide range of loan products
Cons
- May have strict credit requirements
Skipton Business Finance specialises in asset-based lending and invoice financing designed for UK businesses looking to unlock capital secured against business assets. It is best suited for businesses comfortable with collateral requirements and seeking tailored finance structures. Flexibility in funding terms is a feature, with a focus on invoice-related products.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice financing, Asset-based lending
- Industries: SMEs
Pros
- Tailored finance solutions
- Part of a reputable finance group
Cons
- Specific to invoice financing
Bibby Financial Services operates as an independent invoice finance provider offering cash flow funding solutions tailored to a variety of business sectors. It is suitable for companies needing flexible invoice-based funding with an emphasis on improving working capital. The lender provides adaptable terms with focus on speed and tailored service.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice financing, Cash flow funding
- Industries: Various sectors
Pros
- Specializes in SME funding
- Flexible solutions
Cons
- Primarily focuses on invoice finance
Close Brothers offers flexible financing solutions with a focus on asset finance and business loans suitable for equipment and asset-heavy industries. It fits businesses needing tailored funding for capital expenditure with support from experienced lenders. Repayment options and collateral requirements vary with loan purpose.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset-based lending, Business loans
- Industries: Asset heavy industries
Pros
- Flexible asset finance
- Strong customer support
Nucleus Commercial Finance provides secured and unsecured lending solutions focused on supporting UK SMEs with growing financial needs. It caters to businesses requiring flexible loan structures with adaptable repayment plans. The lender offers relatively fast decisions and works closely with brokers to customise funding.
Loan Details
- Min Amount: £3,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Various terms ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: SMEs
Pros
- Rapid decision processes
- Flexible terms
Cons
- Specific eligibility criteria
Growth Lending focuses on providing substantial growth capital to UK SMEs, aligning funding with business expansion such as mergers, acquisitions, or research projects. This provider suits companies needing customised growth finance with varied repayment terms. It generally involves higher loan minimums and tailored funding approaches.
Loan Details
- Min Amount: £2,000,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Various terms ⌛
Services & Industries
- Finance Types: Growth capital
- Industries: High-growth companies
Pros
- Focus on growth initiatives
- Tailored solutions
Aldermore delivers flexible finance options including asset-based lending and term loans tailored to the needs of UK businesses across multiple sectors. It is well suited for companies requiring structured finance with clear repayment plans and supportive lending policies. The firm provides moderate minimum borrowing amounts and adaptable loan durations.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 months and upwards ⌛
Services & Industries
- Finance Types: Asset-based lending, Term loans
- Industries: Multiple sectors
Pros
- Tailored finance
- Strong industry support
Cons
- Higher minimum borrowing amounts
Funding Circle operates as a peer-to-peer lending platform connecting UK small businesses with investors for loan financing. It suits businesses needing relatively fast access to funds without the need for collateral. The platform offers competitive rates and varied terms tailored to small business requirements.
Loan Details
- Min Amount: £0
- Max Amount: £750,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Various terms ⌛
Services & Industries
- Finance Types: Peer-to-peer lending
- Industries: Small business
Pros
- Quick funding process
- No collateral needed for some loans
Ultimate Finance provides asset-based lending solutions focused on SMEs, with a variety of funding options tailored to diverse business needs. It is suitable for companies seeking flexible invoice finance and asset lending with experience in the SME sector. Products often feature adaptable terms but may focus strongly on invoice financing.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset-based lending
- Industries: SME sector
Pros
- Wide range of funding options
- Experience in SME lending
Cons
- Primarily invoice financing
How to choose
When selecting the best selective invoice finance lenders for industrial services companies, consider how the finance structure aligns with your business model and cash flow cycles. Evaluate eligibility criteria focused on industry and loan purposes, ensuring the lender offers appropriate security or collateral options. Also consider the speed of approval and flexibility in repayment to match seasonal or project-based income fluctuations. Review lender reputations for supporting industrial and service sectors specifically. Finally, assess the total cost including fees and any early repayment conditions to find the most practical solution for your operational needs.
Conclusion
Choosing between banks, brokers, and specialist lenders depends on your business size and funding needs. Banks often provide established, stable lending for a wide range of loans. Brokers and platforms like Funding Agent offer access to multiple lenders, speeding up comparisons for small and medium amounts. Specialist lenders focus on asset-backed or invoice finance and may provide tailored terms for industrial service firms. Consider your loan purpose, collateral availability, and flexibility requirements when selecting a provider. For many industrial companies, securing a 200 thousand pounds loan or similar involves balancing these factors carefully.