Best Selective Invoice Finance Lenders for Office Fit-Out and Refurbishment 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 is a finance broker focused on helping UK SMEs access a range of business finance options quickly. It suits SMEs looking for fast comparison and straightforward application processes. The platform offers flexible solutions, usually unsecured, with an emphasis on ease and speed rather than collateral 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
Lloyds Bank offers a wide range of bank business loans aimed at UK enterprises of all sizes. It is typically suitable for businesses requiring longer-term financing with flexible duration and competitive rates. Lloyds requires credit checks and may offer secured or unsecured options depending on borrower profile.
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, Overdrafts
- Industries: General Business
Pros
- Flexible loan terms
- Quick online application
Skipton Business Finance focuses on invoice finance and asset-based lending solutions designed to support working capital needs in UK SMEs. It is suited to businesses seeking tailored, flexible funding without fixed minimums. Their offerings generally provide scalable finance secured against business assets or invoices.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Custom terms ⌛
Services & Industries
- Finance Types: Invoice Finance, Asset-Based Lending
- Industries: SMEs
Pros
- Custom solutions
- No minimum contract period
Cons
- Primarily invoice finance focused
Millbrook Business Finance offers bespoke lending solutions including both secured and unsecured loans tailored to various UK business needs. It suits borrowers seeking flexibility in repayment and terms. Millbrook typically works with businesses requiring customised finance solutions without standardised amounts or durations.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible terms ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Various
Pros
- Bespoke solutions
- Flexible repayment
Cons
- May have higher rates for unsecured loans
Triver is an AI-powered invoice financing provider aimed at delivering fast access to capital for small and mid-sized UK businesses. It is best suited to companies requiring invoice-backed funding with quick turnaround. Their services focus on speed, with terms dependent on invoice agreements and minimal collateral needed.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Dependent on invoice terms ⌛
Services & Industries
- Finance Types: Invoice Financing
- Industries: Small and Mid-Sized Business
Pros
- Fast capital availability
- AI-powered solution
Cons
- Focuses solely on invoice finance
Bibby Financial Services provides invoice finance and factoring services tailored for UK businesses seeking cash flow and working capital support. It fits firms that want tailored finance options based on invoices and receivables. The lender focuses on flexible terms and servicing diverse industry sectors with specialised invoice finance products.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Custom terms ⌛
Services & Industries
- Finance Types: Invoice Finance, Factoring
- Industries: Various B2B sectors
Pros
- Longstanding experience
- Tailored finance options
Cons
- Primarily invoice finance offerings
White Oak UK specialises in SME lending with a range of loan products, including business and invoice finance. It suits UK SMEs requiring flexible terms and relatively high loan amounts. The provider emphasises quick approvals with options covering secured and unsecured lending.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 to 72 months ⌛
Services & Industries
- Finance Types: Business Loans, Invoice Finance
- Industries: SMEs
Pros
- Fast approvals
- Wide range of loan options
Cons
- May require substantial documentation
FundThrough operates a tech-enabled invoice factoring platform to speed up cash flow by advancing payments on qualifying invoices. It is aimed at businesses needing quick, flexible access to working capital. Funding terms vary by invoice, and the platform prioritises fast processing over traditional lending hurdles.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by invoice ⌛
Services & Industries
- Finance Types: Invoice Factoring
- Industries: Various
Pros
- Tech-enabled platform
- Fast processing
Cons
- Focuses only on invoice factoring
1st Commercial Credit offers diverse commercial finance options including invoice factoring and supply chain finance solutions. It targets businesses with flexible funding needs that can benefit from varied product types. The provider is suited to larger companies requiring tailored finance with international reach and flexible terms.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible terms ⌛
Services & Industries
- Finance Types: Invoice Factoring, Supply Chain Finance
- Industries: Commercial
Pros
- Diverse financing options
- International reach
Cons
- Focus on larger businesses
1st Business Finance provides commercial loan and development finance solutions, including commercial mortgages for the UK market. It suits businesses involved in property development or requiring tailored commercial finance. The provider focuses on flexibility and a wide range of product options, often involving asset-based lending.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by product ⌛
Services & Industries
- Finance Types: Commercial Loans, Development Finance
- Industries: Property Development
Pros
- Tailored solutions
- Wide product range
Cons
- Asset-based lending focus
How to choose
When selecting the best selective invoice finance lenders for office fit-out and refurbishment companies, consider matching loan amounts and APRs to your project budget. Check eligibility criteria carefully, as some lenders focus on SMEs while others serve larger entities. Balance the need for speed against the flexibility of terms and repayment options. Pay attention to collateral requirements, whether unsecured or asset-backed, and understand how loan repayments align with your cash flow and project timelines. Reviewing fees, credit conditions, and any early repayment charges upfront will help avoid surprises. Working with lenders that understand your sector can improve suitability and service.
Conclusion
Choosing between bank lenders, brokers, and specialist finance providers depends on your specific funding needs. Banks are often suitable for longer-term loans and established companies, while brokers like Funding Agent provide broad comparisons and convenient application processes. Specialist providers focus on invoice finance or specific industries and may offer rapid approval or bespoke terms. Matching the lender type with your business size, collateral availability, and loan purpose is key. Providers vary in offering loans up to around 200 thousand pounds or more, so ensure the amount fits your project scale before applying.