April 14, 2026
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Best Selective Invoice Finance Lenders for Pharmaceutical Wholesalers

Discover the best selective invoice finance lenders tailored for pharmaceutical wholesalers in the UK. Learn how selective invoice finance can boost your cash flow and grow your business.
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Best Selective Invoice Finance Lenders for Pharmaceutical Wholesalers
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 Pharmaceutical Wholesalers

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 helping UK SMEs access a wide range of business finance options via a brokered platform. It is suited to businesses seeking fast access to finance with simplified application processes. Their approach offers flexibility and quick eligibility checks without the need for 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 focuses on traditional bank business lending, providing a range of secured and unsecured loans for UK SMEs. It is suitable for businesses requiring established banking relationships or substantial finance with flexible repayment options. Their offerings tend to balance competitive rates with thorough eligibility criteria and various security options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6.9%
  • Max APR: 11.2%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Secured Business Loans, Invoice Finance
  • Industries: General Business, Wholesale

Pros

  • Flexible loan amounts
  • Variety of products

Cons

  • Higher APR for larger loans
  • Potential for strict eligibility criteria

Sources: Source

3. Bibby Financial Services

Bibby Financial Services focuses primarily on invoice and trade finance, supporting SMEs with flexible funding options. It is suitable for companies looking for tailored finance solutions often secured against receivables. Their services offer adaptable terms with expertise in managing cash flow through business cycles.

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, Trade Finance
  • Industries: Construction, Manufacturing, Wholesale

Pros

  • Wide range of funding solutions
  • Expert in SME financing

Cons

  • High APR for some products
  • Focused on invoice finance

Sources: Source

4. Ultimate Finance

Ultimate Finance offers asset finance and invoice financing services aimed at supporting business growth for UK SMEs. It suits businesses looking for structured finance solutions with collateral options. Their products provide a degree of flexibility in loan durations and funding purposes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 84 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance, Structured Finance
  • Industries: Transport, Wholesale, Manufacturing

Pros

  • Diverse offerings
  • Rapid funding solutions

Cons

  • Unavailable APR details
  • Focus on asset-backed lending

Sources: Source

5. Close Brothers

Close Brothers is a specialist lender focused on asset finance, hire purchase, and leasing, catering to UK SMEs across industries. Their products suit businesses requiring tailored lending with collateral options. They provide flexible repayment types aligned to asset-backed finance structures.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 2.5%
  • Max APR: 11.9%
  • Loan Duration: 3 to 72 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Hire Purchase, Leasing
  • Industries: Manufacturing, Transport, Wholesale

Pros

  • Flexible asset finance options
  • Strong industry expertise

Cons

  • High loan limits
  • Complex application processes

Sources: Source

6. Aldermore

Aldermore provides specialized commercial lending solutions including mortgages, invoice finance, and asset finance focused on SMEs. It is suitable for businesses needing flexible financing with various security arrangements. Their lending offers options with brokered access and tailored terms reflecting commercial needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 72 months ⌛

Services & Industries

  • Finance Types: Commercial Mortgages, Invoice Finance, Asset Finance
  • Industries: Real Estate, Manufacturing, Wholesale

Pros

  • Specialized in commercial loans
  • Multiple finance options

Cons

  • Limited APR information
  • Complex qualification criteria

Sources: Source

7. Time Finance

Time Finance provides secured business loans and invoice finance options tailored for UK SMEs. It is suited to businesses requiring quick loan approval with flexible repayment plans. Their services focus on securing loans and optimizing cash flow management.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Invoice Finance
  • Industries: Wholesale, Retail

Pros

  • Quick loan approval
  • Flexible repayment plans

Cons

  • APR rates not disclosed
  • Restricted to secured loans

Sources: Source

8. Triver

Triver is a fintech provider focused on fast invoice financing solutions for small and mid-sized UK businesses. It is suitable for companies prioritising quick access to receivables funding with technology-driven processes. Their finance is typically invoice-secured with efficient approval methods.

Loan Details

  • Min Amount: £400,000
  • Max Amount: £100,000,000
  • Min APR: 6%
  • Max APR: 16.072%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Small Business, Retail, Wholesale

Pros

  • Fast approval processes
  • AI-powered solutions

Cons

  • Limited to invoice financing
  • High volume requirements

Sources: Source

9. Kriya

Kriya provides working capital loans and invoice financing for UK SMEs, focusing on flexible terms and high advance rates. It suits businesses needing short-term funding with minimum security requirements. Their products cater well to companies seeking quick access to funds with simple application steps.

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 12 months ⌛

Services & Industries

  • Finance Types: Working Capital Loans, Invoice Finance
  • Industries: B2B, Wholesale

Pros

  • Flexible terms
  • High advance rates

Cons

  • Limited loan offerings
  • APR not detailed

Sources: Source

10. Growth Lending

Growth Lending provides growth capital and acquisition finance tailored for UK SMEs, with a focus on expansion and market acquisition. It is suitable for businesses seeking larger funding amounts with flexible repayment arrangements. Their products commonly require sector-specific considerations and brokered access.

Loan Details

  • Min Amount: £2,000,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 16.072%
  • Loan Duration: 3 to 5 years ⌛

Services & Industries

  • Finance Types: Growth Capital, Acquisition Finance
  • Industries: Healthcare, Tech, Wholesale

Pros

  • High-value funding
  • Focused on growth initiatives

Cons

  • High minimum loan sizes
  • Selective industry focus

Sources: Source

How to choose

When selecting the best selective invoice finance lenders for pharmaceutical wholesalers, consider how well the loan size and APR fit your financial needs and budget. Check each provider’s eligibility requirements and weigh the benefits of speed against the need for flexible terms. Assess how repayments align with your cash flow patterns and business seasonality. Look carefully at lender criteria, associated fees, and any terms for early repayment before making an application. It is important to understand the types of security or collateral required and the loan-to-value bands offered by different lenders.

Conclusion

Choosing the right finance provider depends on your specific use case. Banks tend to offer established product ranges with varied flexibility and security options, whereas brokers provide quick comparison and access to multiple lenders. Specialist lenders may focus on niche products with tailored solutions such as invoice financing or asset-backed loans. Funding Agent offers a useful platform for comparing options quickly. When considering a finance solution, match your business needs with the lender’s strengths and the size of finance required, such as a 200 thousand pounds loan for working capital or asset purchase.

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FAQs

What is selective invoice finance?
How does selective invoice finance benefit pharmaceutical wholesalers?
Are there any risks involved with selective invoice finance?
How do I choose the right lender for selective invoice finance?
Can selective invoice finance help if my customers have slow payment terms?
Is selective invoice finance suitable for all pharmaceutical wholesalers?

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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 is a prominent UK bank with a robust business loan offering, providing a range of financial services tailored to small and medium-sized enterprises.£1,000–£1,000,000; 6.9%–11.2% APR; 1 to 25 years
3Bibby Financial ServicesBibby Financial Services is a leading independent financial services company that provides funding solutions for small to medium-sized businesses in the UK.£5,000–£1,000,000; 9%–29.9% APR; Unknown
4Ultimate FinanceUltimate Finance supports business growth with a range of funding solutions including asset finance and invoice financing for UK businesses.£5,000–£500,000; 0%–0% APR; 3 to 84 months
5Close BrothersClose Brothers provides specialist financial solutions and support to UK SMEs across a range of industries with tailored lending options.£5,000–£2,000,000; 2.5%–11.9% APR; 3 to 72 months
6AldermoreAldermore is a UK bank that provides specialized commercial lending services, supporting SMEs with flexible financing solutions.£25,000–£2,000,000; 0%–0% APR; 3 to 72 months
7Time FinanceTime Finance offers flexible business loan options tailored to the specific needs of UK SMEs, ensuring quick access to funds.£50,000–£500,000; 0%–0% APR; 1 to 5 years
8TriverTriver is a fintech company offering quick invoice financing solutions to small and mid-sized businesses in the UK.£400,000–£100,000,000; 6%–16.072% APR; 1 to 5 years
9KriyaKriya offers innovative B2B financial solutions including working capital loans and invoice financing, driving SME growth in the UK.£0–£500,000; 0%–0% APR; 1 to 12 months
10Growth LendingGrowth Lending provides growth capital to UK SMEs, supporting expansion and market acquisition with tailored financial products.£2,000,000–£10,000,000; 0%–16.072% APR; 3 to 5 years
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