April 14, 2026
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Best Selective Invoice Finance Lenders for Maintenance, Repair, and Operations Suppliers

Discover the best selective invoice finance lenders tailored for Maintenance, Repair, and Operations (MRO) suppliers. Learn how to boost your cash flow effectively.
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Best Selective Invoice Finance Lenders for Maintenance, Repair, and Operations Suppliers
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 Maintenance, Repair, and Operations Suppliers

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 specialises in helping UK SMEs quickly compare various business finance options. It is suitable for businesses looking for straightforward eligibility checks and a fast application process. The platform focuses on flexibility with unsecured loans and transparent terms, catering to borrowers seeking rapid access without collateral.

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 provides a broad range of secured and unsecured loan products aimed at UK SMEs and medium businesses. It is suitable for borrowers seeking diverse finance options with flexible repayment terms. Lloyds Bank combines traditional banking processes with varied loan durations and collateral requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Wide range of loan products
  • Flexible terms

Cons

  • Higher APR for higher loan amounts

Sources: Source

3. Bibby Financial Services

Bibby Financial Services focuses on invoice and asset finance solutions for UK businesses, tailored to support cash flow management. It fits companies requiring specialist funding with varying speed and flexibility options. Bibby offers structured repayment plans and asset-based lending suited to different industry needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 9%
  • Max APR: 29.9%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: Various

Pros

  • Specialist in invoice finance
  • Wide range of financial products

Cons

  • Higher APR compared to traditional banks

Sources: Source

4. Skipton Business Finance

Skipton Business Finance specialises in tailored invoice financing, including discounting and factoring for UK businesses. It suits firms looking for flexible cash flow options with potential interest-free periods. This provider emphasises workable repayment schedules and eligibility criteria adapted to different business sizes.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 2.5%
  • Max APR: 6%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Invoice Discounting, Factoring
  • Industries: Various

Pros

  • Flexible finance options
  • Interest-free periods available

Cons

  • Eligibility requirements may exclude smaller firms

Sources: Source

5. Triver

Triver delivers fast invoice financing solutions focused on improving cash flow for SMEs. It is suited for businesses that need quick funding from invoice-based lending with technology-driven processing. Triver emphasises speed and streamlined applications with specific product availability targeting select industries.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £400,000
  • Min APR: 8.6%
  • Max APR: 15%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Various

Pros

  • Fast processing of loans
  • Large loan facility

Cons

  • Limited to invoice-based financing

Sources: Source

6. Close Brothers

Close Brothers offers specialist lending with a focus on asset and invoice finance for UK SMEs. It is suitable for businesses needing larger loan amounts backed by assets or flexible invoice funding. Close Brothers provides structured terms with options for longer repayment periods and tailored finance solutions.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 2.5%
  • Max APR: 7%
  • Loan Duration: Up to 10 years ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance
  • Industries: Various

Pros

  • Wide range of finance solutions
  • Specialist in structured loans

Cons

  • Application process can be lengthy

Sources: Source

7. Ultimate Finance

Ultimate Finance focuses on asset-based lending to provide working capital finance for UK businesses. It suits companies needing flexible finance solutions with manageable repayment terms. Ultimate Finance prioritises quick fund release and tailored lending structures for growth-focused firms.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 4%
  • Max APR: 12%
  • Loan Duration: 12 to 36 months ⌛

Services & Industries

  • Finance Types: Asset-Based Lending
  • Industries: Various

Pros

  • Flexible finance options
  • Quick fund release

Cons

  • Higher costs for short-term borrowing

Sources: Source

8. Novuna

Novuna provides secured and unsecured loan products aimed at small and medium UK businesses. It is suited to those seeking flexible financing with tailored loan structures. Novuna offers innovative options with attention to varying borrower needs and industries.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 6.7%
  • Max APR: 36.4%
  • Loan Duration: 1 to 7 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Tailored for SMEs
  • Flexible loan options

Cons

  • Higher APR for some services

Sources: Source

9. Growth Lending

Growth Lending focuses on offering flexible business finance through revolving credit and invoice financing. It suits UK SMEs needing adaptable funding with manageable terms. Growth Lending utilises quick funding processes and broad industry applicability for working capital needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 7.5%
  • Max APR: 25%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Invoice Financing
  • Industries: Various

Pros

  • Rapid funding solutions
  • Broad industry coverage

Cons

  • Higher APR compared to banks

Sources: Source

10. eCapital

eCapital specialises in tailored invoice financing aimed at helping businesses improve cash flow management. The provider is fit for SMEs seeking flexible short to medium term finance with fast access. eCapital offers focused invoice-based lending without long-term contract obligations.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 4%
  • Max APR: 14%
  • Loan Duration: 1 to 36 months ⌛

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Various

Pros

  • Fast access to funding
  • No long-term contracts

Cons

  • Focused only on invoice financing

Sources: Source

How to choose

Consider your financing needs carefully when selecting from the best selective invoice finance lenders for Maintenance, Repair, and Operations suppliers. Assess the loan size and APR against your budget and cash flow cycles. Eligibility criteria vary, so verify that your business meets each lender's requirements. Balance speed of access with flexibility of terms, including repayment schedules and collateral demands. Review total fees and the availability of early repayment without penalties. Finally, ensure the lender's focus matches your industry and financing goals.

Conclusion

Choosing the right lender depends on your business needs. Banks generally provide broad lending with structured terms and security requirements. Brokers can offer access to multiple providers but may involve more steps. Specialist finance companies focus on niche products like invoice financing and asset-based lending. Funding Agent remains a useful tool for SMEs who need quick comparisons across multiple finance options. For amounts around 200 thousand pounds loan or more, consider matching lender expertise to your business priorities before applying.

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FAQs

What is selective invoice finance?
How does selective invoice finance benefit MRO suppliers?
Are there any risks associated with selective invoice finance?
Which lenders offer selective invoice finance for MRO suppliers in the UK?
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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 offers diverse financial products tailored for small to medium UK businesses, including secured and unsecured loans.£1,000–£1,000,000; 6.9%–24.9% APR; 1 to 25 years
3Bibby Financial ServicesSpecialized in invoice finance, Bibby Financial Services supports over 8500 businesses with cash flow funding solutions.£5,000–£1,000,000; 9%–29.9% APR; Unknown
4Skipton Business FinanceSkipton Business Finance provides tailored invoice financing solutions to help businesses manage their cash flow effectively.£10,000–£2,000,000; 2.5%–6% APR; 12 to 60 months
5TriverTriver offers instant cash flow solutions through invoice financing for SMEs, supported by advanced technology and fast processing.£10,000–£400,000; 8.6%–15% APR; 12 to 84 months
6Close BrothersClose Brothers provides specialist lending solutions, supporting UK SMEs with asset finance, invoice finance, and more.£1,000–£5,000,000; 2.5%–7% APR; Up to 10 years
7Ultimate FinanceUltimate Finance specializes in asset-based lending, providing UK businesses with the working capital they need to grow.£25,000–£2,000,000; 4%–12% APR; 12 to 36 months
8NovunaNovuna offers innovative financial solutions, including both secured and unsecured loans tailored to small and medium-sized businesses in the UK.£10,000–£500,000; 6.7%–36.4% APR; 1 to 7 years
9Growth LendingGrowth Lending provides flexible business finance through revolving credit and invoice financing for UK SMEs.£5,000–£1,000,000; 7.5%–25% APR; 3 to 60 months
10eCapitaleCapital offers tailored invoice financing solutions to businesses seeking to manage their cash flow effectively.£1,000–£500,000; 4%–14% APR; 1 to 36 months
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