April 14, 2026
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Best Selective Invoice Finance Lenders for Office Fit-Out and Refurbishment Companies

Discover the best selective invoice finance lenders for office fit-out and refurbishment companies in the UK. Secure flexible funding to grow your business today.
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Best Selective Invoice Finance Lenders for Office Fit-Out and Refurbishment Companies
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

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.

1. Funding Agent

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

Sources: Funding Agent

2. Lloyds Bank

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

Cons

  • Credit checks required

Sources: Source

3. Skipton Business Finance

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

Sources: Source

4. Millbrook Business Finance

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

Sources: Source

5. Triver

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

Sources: Source

6. Bibby Financial Services

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

Sources: Source

7. White Oak UK

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

Sources: Source

8. FundThrough

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

Sources: Source

9. 1st Commercial Credit

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

Sources: Source

10. 1st Business Finance

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

Sources: Source

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.

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FAQs

What is selective invoice finance?
How does invoice finance help office fit-out companies?
Which lenders specialise in invoice finance for refurbishment companies?
Are there any eligibility criteria for selective invoice finance?
What are the costs involved with 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 tailored to the needs of small to large enterprises across the UK, with flexible terms and competitive rates.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
3Skipton Business FinanceA leading provider of invoice finance solutions, helping UK SMEs unlock working capital for growth and expansion.£0–£0; 0%–0% APR; Custom terms
4Millbrook Business FinanceMillbrook provides bespoke finance solutions tailored to meet the specific needs of UK businesses, including both secured and unsecured loans.£0–£0; 0%–0% APR; Flexible terms
5TriverTriver offers AI-powered invoice financing solutions, providing quick capital availability for small and mid-sized businesses.£0–£0; 0%–0% APR; Dependent on invoice terms
6Bibby Financial ServicesBibby Financial Services specializes in cash flow and working capital funding for businesses through tailored invoice finance solutions.£0–£0; 0%–0% APR; Custom terms
7White Oak UKSpecializing in SME business finance, White Oak UK offers a variety of loan products to meet diverse business needs.£5,000–£2,000,000; 0%–0% APR; 3 to 72 months
8FundThroughFundThrough is a tech-enabled invoice factoring platform that accelerates cash flow by advancing payments against qualifying invoices.£0–£0; 0%–0% APR; Varies by invoice
91st Commercial Credit1st Commercial Credit provides a full spectrum of commercial finance options including invoice factoring and supply chain finance.£0–£0; 0%–0% APR; Flexible terms
101st Business Finance1st Business Finance offers commercial finance services, including loans for development and commercial mortgages.£0–£0; 0%–0% APR; Varies by product