April 14, 2026
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Best Selective Invoice Finance Lenders for Marketing Agencies

Discover the best selective invoice finance lenders tailored for marketing agencies. Learn how invoice finance can improve your cash flow and help your business grow.
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Best Selective Invoice Finance Lenders for Marketing Agencies
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 Marketing Agencies

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 providing a quick comparison platform for UK SMEs to access various business finance options. It is typically suitable for businesses seeking straightforward, unsecured loans with variable terms and no collateral. The service offers fast application processing and eligibility matching to save time for applicants without extensive documentation requirements.

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 specialises in traditional bank business loans for UK companies aiming to grow or invest in their operations. It is commonly suited for small to medium-sized enterprises looking for tailored loan solutions with various repayment options, often requiring eligibility verification and security. The bank provides a broad loan range with a structured application process and potentially longer loan terms.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 1 to 25 years

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Trusted bank
  • Wide loan range

Cons

  • Eligibility criteria

Sources: Source

3. Triver

Triver focuses on invoice and cash flow financing for small and mid-sized businesses, enabling them to leverage receivables as working capital. It suits businesses looking for quick access to funding tied to outstanding client invoices without requiring traditional collateral. The platform offers flexible solutions but is limited to invoice-based finance products.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Cash Flow Financing, Invoice Financing
  • Industries: General Business

Pros

  • Instant capital
  • Innovative technology

Cons

  • Limited to invoice financing

Sources: Source

4. Skipton Business Finance

Skipton Business Finance provides asset-based lending mainly through invoice factoring and discounting to UK SMEs. It typically serves businesses with receivables looking for flexible finance tied directly to those assets. The lender focuses on customised terms with variable durations and often requires ownership of receivables as security.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

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

Pros

  • Flexible solutions
  • SME focus

Cons

  • Requires receivables

Sources: Source

5. Growth Lending

Growth Lending offers tailored growth capital primarily aimed at UK SMEs needing significant funding for mergers, acquisitions, or research and development projects. It suits businesses with specific growth plans requiring custom agreements. Funding terms vary based on the arrangement, offering flexibility but generally requiring some form of agreement on repayment structure.

Loan Details

  • Min Amount: £2,000,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Dependent on agreement

Services & Industries

  • Finance Types: Growth Capital, Term Loans
  • Industries: Various

Pros

  • Tailored solutions
  • High funding limits

Cons

  • Eligibility requirements

Sources: Source

6. Novuna

Novuna delivers financial solutions with a focus on flexible repayment options and prompt funding for UK businesses. It appeals to companies seeking adaptable loans and cash flow support without fixed collateral requirements. Terms vary, and product offerings accommodate general business financing needs with an emphasis on service efficiency.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Business Loans, Cash Flow Solutions
  • Industries: General Business

Pros

  • Flexible terms
  • Fast service

Cons

  • Limited transparency on fees

Sources: Source

7. eCapital

eCapital provides bespoke invoice financing and custom funding solutions that allow businesses to access capital flexibly. It suits companies seeking tailored terms with fast approvals, offering loan durations set according to individual agreements. The focus is on flexibility and quick access rather than fixed loan structures or collateral requirements.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Bespoke terms

Services & Industries

  • Finance Types: Invoice Financing, Custom Financing Solutions
  • Industries: Various

Pros

  • Custom solutions
  • Quick approvals

Cons

  • Service fees

Sources: Source

8. Close Brothers

Close Brothers offers asset finance options, including leasing and hire purchase, to help UK SMEs expand operations with secured finance. It is suitable for businesses needing funding backed by tangible assets, with loan durations linked to the asset's lifespan. The lender focuses on established industries with structured repayment plans based on asset use.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Based on asset life

Services & Industries

  • Finance Types: Asset Finance, Hire Purchase
  • Industries: Various

Pros

  • Trusted brand
  • Diverse options

Cons

  • Asset-based only

Sources: Source

9. Ultimate Finance

Ultimate Finance specialises in asset-based lending and various funding options tailored to different business requirements. It suits SMEs seeking adaptable financing solutions often secured against assets. Loan terms and durations vary by product, providing choice across financing needs and sectors.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies by product

Services & Industries

  • Finance Types: Asset Based Lending, Business Loans
  • Industries: Various

Pros

  • Flexible terms
  • Tailored services

Cons

  • Limited to asset base

Sources: Source

10. Bibby Financial Services

Bibby Financial Services is an independent provider specialising in invoice finance and factoring for UK SMEs. It is suitable for businesses needing flexible cash flow solutions secured on receivables, with contract-based loan durations. The company focuses on supporting diverse sectors with tailored invoice finance options.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Contract-based durations

Services & Industries

  • Finance Types: Invoice Finance, Factoring
  • Industries: B2B, Construction, IT, Legal

Pros

  • Independent flexibility
  • Expertise in financing

Cons

  • Limited to invoice finance

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for marketing agencies, consider the type of finance that suits your agency’s cash flow and invoice profile. Check eligibility requirements carefully to ensure you match the provider’s target businesses. Balance speed of access against loan flexibility, especially repayment terms and collateral needs. Evaluate if the lender offers brokered access or direct lending to simplify application. Transparency around fees and early repayment options is also critical. Finally, think about the scale of funding required and the industries the lender specialises in.

Conclusion

Choosing the right lender depends on your specific use case and loan size. Banks are suitable for standard business loans with formal processes, while brokers like Funding Agent offer broad comparisons for faster decisions. Specialist lenders typically focus on asset-backed or invoice financing with more bespoke terms. For marketing agencies seeking selective invoice finance, ensure the provider matches your financing style and operational needs. Loans for amounts in the hundreds of thousands of pounds require particular attention to lender fit and product terms.

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FAQs

What is selective invoice finance?
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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 business loans to help UK businesses expand or invest, with options for small businesses and tailored solutions.£1,000–£1,000,000; 6.9%–0% APR; 1 to 25 years
3TriverTRIVER offers cash flow financing to small and mid-sized businesses, leveraging receivable client invoices through innovative invoice financing solutions.£0–£0; 0%–0% APR; Unknown
4Skipton Business FinanceSkipton Business Finance provides asset-based lending to UK SMEs, offering a range of invoice finance solutions like factoring and discounting.£0–£0; 0%–0% APR; Variable
5Growth LendingGrowth Lending provides tailored growth capital for UK SMEs, with funding for M&A and R&D from £2m to £10m.£2,000,000–£10,000,000; 0%–0% APR; Dependent on agreement
6NovunaNovuna provides innovative financial solutions for UK businesses with flexible repayment options and swift funding.£10,000–£0; 0%–0% APR; Variable
7eCapitaleCapital accelerates business growth through fast, flexible access to funding via bespoke financing solutions.£0–£0; 0%–0% APR; Bespoke terms
8Close BrothersClose Brothers provides UK SMEs with comprehensive asset finance options enabling business growth through leasing and hire purchase solutions.£0–£0; 0%–0% APR; Based on asset life
9Ultimate FinanceUltimate Finance offers specialist asset-based lending and diverse funding solutions tailored to business needs.£0–£0; 0%–0% APR; Varies by product
10Bibby Financial ServicesBibby Financial Services is an independent invoice finance expert in the UK, aiding cash flow through innovative financing products.£0–£0; 0%–0% APR; Contract-based durations