April 14, 2026
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Best Selective Invoice Finance Lenders for Logistics and Courier Companies

Discover the best selective invoice finance lenders tailored for logistics and courier companies. Improve cash flow and business growth with expert UK financing solutions.
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Best Selective Invoice Finance Lenders for Logistics and Courier Companies
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 Logistics and Courier 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.

1. Funding Agent

Funding Agent focuses on offering UK SMEs rapid comparison of business finance options through an easy online application and swift eligibility checks. It is suited to businesses needing clear financing choices with flexible and uncomplicated terms, often without collateral. This enables quicker access to working capital with predictable repayment structures.

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. Lloyds Bank

Lloyds Bank offers a broad range of secured and unsecured business loans with flexible repayment terms, catering to diverse UK companies. Its products suit borrowers needing longer loan durations and variable security options. Eligibility requirements may be strict, but it provides extensive finance options across many sectors.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 3.5%
  • Max APR: 22.5%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: All Industries

Pros

  • Wide range of loan amounts
  • Long repayment terms

Cons

  • Strict eligibility criteria

Sources: Source

3. Skipton Business Finance

Skipton Business Finance specialises in invoice finance and asset-based lending designed to unlock working capital for UK businesses. It typically suits firms requiring funding against debtor invoices or assets with reasonable flexibility and terms. Some security or collateral may be necessary, with varying repayment durations to suit cash flow cycles.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,500,000
  • Min APR: 3.9%
  • Max APR: 20%
  • Loan Duration: 1 month to 36 months ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset-Based Lending
  • Industries: Manufacturing, Wholesale, Logistics

Pros

  • Fast funding for receivables
  • Flexibility in usage

Cons

  • May require collateral

Sources: Source

4. Bibby Financial Services

Bibby Financial Services offers customised invoice finance and asset finance solutions aimed at UK SMEs seeking working capital for growth. It is suitable for businesses in specific industries that benefit from tailored terms and support. Flexibility depends on invoice terms, and it commonly requires moderate security arrangements.

Loan Details

  • Min Amount: £7,500
  • Max Amount: £5,000,000
  • Min APR: 4%
  • Max APR: 18%
  • Loan Duration: Flexible (depends on invoice terms) ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: Construction, Transport, Logistics

Pros

  • Industry-specific solutions
  • Strong customer service

Cons

  • Not suitable for micro-businesses

Sources: Source

5. Kriya

Kriya delivers fintech-based invoice finance and working capital loans focusing on fast liquidity solutions for UK SMEs. It is suited to firms valuing speed and technology-driven processes, often with shorter loan durations. This offers flexible repayment options to support cash flow management without extensive collateral.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 1 to 3 months ⌛

Services & Industries

  • Finance Types: Invoice Finance, Working Capital Loans
  • Industries: Technology, Retail, Logistics

Pros

  • Tech-driven solutions
  • Fast access to capital

Cons

  • Short loan durations

Sources: Source

6. Growth Lending

Growth Lending provides flexible growth capital including term loans and selective invoice finance, targeting UK SMEs aiming for expansion or acquisitions. This lender suits businesses prepared for higher capital amounts, often requiring defined repayment terms and underwriting. It supports complex funding needs including mergers and acquisitions.

Loan Details

  • Min Amount: £2,000,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 18%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Growth Capital, Selective Invoice Finance
  • Industries: Finance, Healthcare, Logistics

Pros

  • Large financing deals
  • Supports M&A activity

Cons

  • High loan minimum

Sources: Source

7. Nucleus Commercial Finance

Nucleus Commercial Finance specialises in bespoke funding solutions including business and invoice finance tailored to various UK sectors. It is ideal for SMEs seeking versatile options with personalised service, often involving moderate security and flexible repayment terms. Suitable for a range of industries with diverse lending needs.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 4.5%
  • Max APR: 19.5%
  • Loan Duration: 3 months to 10 years ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Finance
  • Industries: Retail, Healthcare, Logistics

Pros

  • Variety of finance products
  • Personalized service

Cons

  • Long application process

Sources: Source

8. Novuna Business Cash Flow

Novuna Business Cash Flow offers tailored invoice finance solutions that focus on maximising cash flow for UK companies with flexible terms. This provider suits businesses requiring rapid access to funds with adaptable financing structures. It supports sectors that benefit from efficient receivables funding without complex collateral demands.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £3,000,000
  • Min APR: 3%
  • Max APR: 21%
  • Loan Duration: Flexible terms ⌛

Services & Industries

  • Finance Types: Invoice Finance, Business Loans
  • Industries: Wholesale, Manufacturing, Logistics

Pros

  • Quick funding process
  • Tailored approaches

Cons

  • Specific eligibility requirements

Sources: Source

9. eCapital

eCapital specialises in selective invoice financing to provide UK firms with flexible access to funds based on invoices. It serves businesses seeking minimal long-term commitments and the ability to choose which invoices to finance. Terms often adapt to invoice periods and industry cash flow.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4.5%
  • Max APR: 23%
  • Loan Duration: Open-ended as per invoice terms ⌛

Services & Industries

  • Finance Types: Selective Invoice Finance
  • Industries: Logistics, Transport, Services

Pros

  • No long-term commitments
  • Freedom to choose invoices

Cons

  • Limited to invoice financing

Sources: Source

10. Triver

Triver uses AI technology to deliver fast and efficient invoice finance tailored for small to medium logistics enterprises in the UK. This lender is well-suited to businesses prioritising quick fund delivery and automation while managing short-term funding needs with straightforward terms. It usually involves limited collateral requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £200,000
  • Min APR: 3.9%
  • Max APR: 22%
  • Loan Duration: 1 to 6 months ⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Logistics, SMEs

Pros

  • Advanced AI technology
  • Fast funding

Cons

  • Not suitable for large businesses

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for logistics and courier companies, consider the size of your financing needs against the loan amounts offered. Evaluate APRs carefully to ensure costs align with your budget, and check lender eligibility to avoid delays. Balance how quickly funds are accessed against the flexibility of terms. It's important to review the requirements for security or collateral, as well as repayment structures, to match your cash flow cycles and seasonal business patterns. Also, compare fee structures and understand any early repayment penalties before committing.

Conclusion

Choosing the appropriate lender depends on your business size and funding purpose. Banks generally provide a broad range of loans suitable for larger and long-term needs, though with stricter qualification. Brokers like Funding Agent offer fast access to multiple options, ideal for SMEs seeking simplicity. Specialist providers focus on niche finance types or sectors, offering tailored but sometimes more limited solutions. Assess your requirements carefully to select the provider best matched to your invoice finance or working capital needs, including loans around 200 thousand pounds.

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FAQs

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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
2Lloyds BankLloyds Bank provides comprehensive business loans to UK companies with flexible terms, offering both secured and unsecured financing options for various business needs.£1,000–£1,000,000; 3.5%–22.5% APR; 1 to 25 years
3Skipton Business FinanceSkipton Business Finance offers invoice finance and asset-based lending to help UK businesses unlock cash tied up in invoices and other assets, optimizing cash flow and finance growth initiatives.£10,000–£2,500,000; 3.9%–20% APR; 1 month to 36 months
4Bibby Financial ServicesBibby Financial Services provides tailored invoice finance and support services, offering SMEs across the UK access to working capital required for growth and operational efficiency.£7,500–£5,000,000; 4%–18% APR; Flexible (depends on invoice terms)
5KriyaKriya offers innovative financial technology solutions with invoice finance and working capital loans, designed to help businesses manage cash flow and improve liquidity.£5,000–£500,000; 5%–20% APR; 1 to 3 months
6Growth LendingGrowth Lending supports UK SMEs with growth capital through flexible funding options such as term loans, revolving credit, and selective invoice finance to drive expansions and mergers.£2,000,000–£10,000,000; 6%–18% APR; 6 to 60 months
7Nucleus Commercial FinanceNucleus Commercial Finance provides tailored funding solutions for UK SMEs, including business loans, invoice finance, and secure lending, catering to various sectors with flexible terms.£3,000–£2,000,000; 4.5%–19.5% APR; 3 months to 10 years
8Novuna Business Cash FlowNovuna offers personalized invoice finance solutions to maximize cash flow for UK businesses, ensuring rapid financing and innovative financial services.£50,000–£3,000,000; 3%–21% APR; Flexible terms
9eCapitaleCapital provides selective invoice financing solutions with a focus on flexibility and rapid cash flow enhancement for UK businesses, supporting industries like transport and logistics.£10,000–£1,000,000; 4.5%–23% APR; Open-ended as per invoice terms
10TriverTriver leverages AI to provide quick and efficient invoice finance solutions tailored for small to medium-sized enterprises in logistics and related sectors across the UK.£5,000–£200,000; 3.9%–22% APR; 1 to 6 months
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