April 14, 2026
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Best Selective Invoice Finance Lenders for Manufacturing Businesses

Discover the best selective invoice finance lenders tailored for manufacturing businesses in the UK. Improve cash flow and grow your business with reliable finance options.
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Best Selective Invoice Finance Lenders for Manufacturing Businesses
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 Manufacturing Businesses

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 2026-04-07.

1. Funding Agent

Funding Agent provides an online platform to compare a broad range of business finance options for UK SMEs. It is typically suited for small to medium businesses looking for transparent finance choices with straightforward application processes. Funding Agent offers fast matching and flexible options without necessarily requiring 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. Triver

Triver focuses on selective invoice finance by advancing funds against outstanding invoices for small businesses. It suits firms that require quick invoice-based capital and have ongoing receivables. Triver’s offering is characterised by rapid access to funds with flexible invoice terms but is restricted to businesses with eligible invoices.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies with invoice terms ⌛

Services & Industries

  • Finance Types: Selective invoice finance
  • Industries: All sectors using invoice sales

Pros

  • Instant funding
  • AI-powered solutions

Cons

  • Limited to businesses with invoices
  • May not cover full invoice amounts

Sources: Source

3. Lloyds Bank

Lloyds Bank offers a broad selection of business loans suitable for various stages of company growth. It is commonly appropriate for established businesses that require structured borrowing or invoice finance with longer repayment terms. Lloyds Bank provides both secured and unsecured options but typically requires good credit and detailed applications.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 2.5%
  • Max APR: 19.9%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Business loans, Overdrafts, Invoice finance
  • Industries: All sectors

Pros

  • Variety of loan options
  • Long repayment terms available

Cons

  • Requires good credit history
  • Complex application process

Sources: Source

4. Skipton Business Finance

Skipton Business Finance specialises in invoice finance products especially for UK SMEs across multiple industries. It is ideal for businesses needing ongoing working capital tied to invoice agreements. Their solutions are best suited for firms prioritising invoice-based funding with customised repayment arrangements.

Loan Details

  • Min Amount: £0
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Ongoing as per invoice agreement ⌛

Services & Industries

  • Finance Types: Invoice factoring, Invoice discounting
  • Industries: Manufacturing, Construction, Retail

Pros

  • Specialized in invoice finance
  • Supports a range of industries

Cons

  • Limited to invoice-based finance
  • APR details not readily available

Sources: Source

5. iwoca

iwoca provides flexible short-term business loans aimed at UK SMEs across various sectors. It is suited to businesses needing fast access to finance with flexible lending criteria and payment terms. iwoca typically offers unsecured loans with a straightforward online process and no early repayment penalties.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 9.5%
  • Max APR: 29.9%
  • Loan Duration: 1 day to 24 months ⌛

Services & Industries

  • Finance Types: Flexible business loans
  • Industries: Retail, Hospitality, Service sectors

Pros

  • Quick decisions and funding
  • No early repayment fees

Cons

  • Higher APR for short-term loans
  • Requires steady revenue

Sources: Source

6. SME Loans

SME Loans delivers tailored funding for small and medium-sized enterprises across the UK. It is typically suitable for SMEs seeking conventional small business loans with relatively straightforward terms. The lender focuses on online applications with some flexibility but may require collateral for larger loans.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 5.9%
  • Max APR: 25.4%
  • Loan Duration: 1 to 60 months ⌛

Services & Industries

  • Finance Types: SME business loans, Start-up loans
  • Industries: Retail, Manufacturing, Technology

Pros

  • Quick online applications
  • Supports small business growth

Cons

  • Limited to SMEs
  • May require collateral for larger loans

Sources: Source

7. White Oak UK

White Oak UK provides a range of SME loan products including options that address VAT and tax liabilities. It is often suitable for established UK SMEs requiring flexible funding based on business needs. The provider offers both secured and unsecured loans with consideration for credit and eligibility criteria.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 4.5%
  • Max APR: 20%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Business loans, Invoice finance
  • Industries: Manufacturing, Services

Pros

  • Flexible loan options
  • Quick funds release

Cons

  • Eligibility criteria can be stringent
  • Not suitable for startups

Sources: Source

8. Fleximize

Fleximize offers SME business loans with adaptable payment schedules tailored to businesses experiencing variable revenues. It is suited for those seeking both secured and unsecured finance with flexible terms. Fleximize targets sectors requiring growth capital and values flexible repayment options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 7.5%
  • Max APR: 25.5%
  • Loan Duration: 3 to 48 months ⌛

Services & Industries

  • Finance Types: SME loans, Expansion capital
  • Industries: Healthcare, Retail, Hospitality

Pros

  • Flexible with payment schedules
  • Cater to SMEs effectively

Cons

  • Higher rates for unsecured loans
  • Not available to high-risk sectors

Sources: Source

9. Portman Finance

Portman Finance offers commercial loans and asset financing designed to meet SME requirements across various sectors. It is suited for businesses needing tailored financial solutions involving secured lending. Portman combines a broker-lender approach with a focus on medium to large funding amounts and experienced support teams.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.5%
  • Max APR: 24.9%
  • Loan Duration: 6 to 72 months ⌛

Services & Industries

  • Finance Types: Business loans, Asset finance
  • Industries: Construction, Retail, Agriculture

Pros

  • Wide range of financial products
  • Experienced team in SME funding

Cons

  • Requires financial history
  • Broker and lender model

Sources: Source

10. Capify

Capify specialises in small business loans emphasising fast and flexible finance tailored to growing businesses’ needs. It is appropriate for SMEs looking for merchant cash advances and simple borrowing options. Capify focuses on speed of approval and transparent fee structures but loans are generally shorter term.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 8.9%
  • Max APR: 29.5%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Small business loans, Merchant cash advance
  • Industries: Retail, Hospitality, Health and wellness

Pros

  • Fast approval process
  • No hidden fees

Cons

  • Shorter loan terms
  • High interest rates for certain profiles

Sources: Source

How to choose

When selecting selective invoice finance lenders for manufacturing businesses, focus on how quickly funds can be accessed and how flexible repayment terms are. Confirm eligibility criteria and ensure the lender supports invoice financing specific to your industry. Consider whether you need an unsecured option or are willing to provide collateral. Look for transparent fees, flexibility in loan duration, and if the provider offers ongoing funding linked to invoice sales. Evaluate how each lender’s repayment and advance rates match your company's cash flow patterns and seasonal demands.

Conclusion

Choosing the right provider depends on your business size, finance needs, and industry focus. Banks typically offer structured loans with longer terms but may have stricter requirements. Brokers and specialists might provide more tailored and quicker access to invoice finance. Funding Agent is a strong choice for SMEs needing an efficient way to compare multiple finance options. Always verify terms and costs directly with providers when considering a loan around 100 thousand to 1 million 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
2TriverTriver offers instant capital for small businesses through selective invoice financing, providing quick access to funds by advancing invoices.£0–£0; 0%–0% APR; Varies with invoice terms
3Lloyds BankLloyds Bank provides a range of business loan options designed to support growth and development for UK businesses of all sizes.£1,000–£1,000,000; 2.5%–19.9% APR; 1 to 25 years
4Skipton Business FinanceSkipton Business Finance specializes in invoice finance solutions to help UK SMEs unlock working capital and drive business growth.£0–£10,000,000; 0%–0% APR; Ongoing as per invoice agreement
5iwocaiwoca provides flexible business loans to SMEs in the UK, offering quick decisions and access to funds.£1,000–£1,000,000; 9.5%–29.9% APR; 1 day to 24 months
6SME LoansSME Loans provides tailored funding solutions for small to medium-sized enterprises across the UK market.£1,000–£500,000; 5.9%–25.4% APR; 1 to 60 months
7White Oak UKWhite Oak UK offers a variety of SME-focused loan products, supporting businesses with flexible funding solutions including VAT and tax loans.£5,000–£2,000,000; 4.5%–20% APR; 3 to 60 months
8FleximizeFleximize offers flexible SME business loans with a focus on adaptability to revenue changes, providing both secured and unsecured loan options.£5,000–£500,000; 7.5%–25.5% APR; 3 to 48 months
9Portman FinancePortman Finance provides commercial loans and asset financing, catering to SMEs with a range of bespoke financial solutions.£10,000–£2,000,000; 6.5%–24.9% APR; 6 to 72 months
10CapifyCapify offers small business loans with a focus on fast and flexible finance options designed to meet the needs of growing businesses.£5,000–£1,000,000; 8.9%–29.5% APR; 3 to 24 months
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