Best Selective Invoice Finance Lenders for Plumbers
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 provides a platform to compare various business finance options quickly. It is suited for UK SMEs looking for straightforward loan choices with transparent terms. Funding Agent emphasises speed and ease of application without 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
Lloyds Bank offers a wide range of business loans tailored to various needs in the UK market. It typically suits franchise buyers and established businesses seeking long-term financing with options for different repayment structures. Lloyds Bank is known for its structured products with collateral requirements and conventional lending terms.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 5%
- Max APR: 20%
- Loan Duration: 1 to 25 years ⌛
Services & Industries
- Finance Types: Term Loans, Overdrafts, Invoice Financing
- Industries: General Businesses
Pros
- Wide range of loan options
- Strong reputation
Cons
- Requires business account
- May have high APRs for new businesses
Skipton Business Finance focuses on invoice financing specifically designed to free up working capital for SMEs. It is suitable for businesses requiring flexible invoice-related funding with options adapted to various service sectors. The provider emphasises tailored solutions that balance speed and financing flexibility.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible terms available ⌛
Services & Industries
- Finance Types: Invoice Factoring, Invoice Discounting
- Industries: General Services, SMEs
Pros
- Specialized in SME funding
- Flexible financing options
Cons
- Limited to invoice-related products
- Potential high costs
Ultimate Finance delivers asset-based lending solutions focused on supporting UK business growth and cash flow needs. It typically suits companies requiring larger loan amounts secured on assets with flexible repayment terms. Ultimate Finance offers specialised lending with consideration for industry-specific needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £7,000,000
- Min APR: 6%
- Max APR: 25%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Asset-Based Lending, Invoice Finance
- Industries: Manufacturing, Construction, Professional Services
Pros
- Large funding amounts
- Strong industry experience
Cons
- Complex application process
- High APR for smaller loans
Triver offers quick invoice financing solutions through a technology-driven platform aimed at SMEs needing fast capital access. It suits businesses looking for short-term finance with straightforward application steps. Flexibility and speed are clear features, though options focus on invoice finance.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Short term ⌛
Services & Industries
- Finance Types: Invoice Financing
- Industries: Small and Mid-sized Businesses
Pros
- Fast access to funds
- Technologically advanced platform
Cons
- Limited to invoice finance
- Short loan durations
Kriya specialises in working capital loans and invoice finance supporting B2B payments and cash flow management. This provider fits UK SMEs seeking short duration financing with flexible repayment options. It balances innovation with practicality for business cash flow needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 3 months ⌛
Services & Industries
- Finance Types: Working Capital Loans, Invoice Finance
- Industries: B2B Sectors
Pros
- Flexible repayment terms
- Innovative payment solutions
Cons
- Short duration loans
- Primarily focuses on B2B
Growth Lending provides growth capital predominantly for fast-growing SMEs, offering larger loan amounts with flexible repayment terms. It is suitable for companies in sectors like technology and manufacturing aiming to scale operations. The focus is on tailored finance solutions that match growth plans.
Loan Details
- Min Amount: £2,000,000
- Max Amount: £10,000,000
- Min APR: 7%
- Max APR: 18%
- Loan Duration: Up to 10 years ⌛
Services & Industries
- Finance Types: Growth Capital Loans, Term Loans
- Industries: Technology, Manufacturing, Healthcare
Pros
- Large loan amounts for growth initiatives
- Flexible terms
Cons
- High minimum loan amount
- Not suitable for very small businesses
Bibby Financial Services is a prominent UK invoice finance provider delivering working capital funding tailored across multiple industry sectors. It fits businesses needing variable funding terms with options involving asset finance. Bibby focuses on established market presence and flexible invoice-related financing.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Invoice Finance, Asset Finance
- Industries: Construction, Manufacturing, Professional Services
Pros
- Tailored solutions for various sectors
- Established market presence
Cons
- Focuses primarily on invoice finance
- May require collateral
Fleximize provides tailored business loans focused on flexibility and speed for UK SMEs. It suits borrowers who value quick approval and adaptable loan terms. Fleximize typically supports working capital needs without heavy collateral requirements.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 8%
- Max APR: 36%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: SME Business Loans, Cash Flow Finance
- Industries: SMEs
Pros
- Flexible loan amounts
- Quick approval process
Cons
- Higher interest rates
- Not suitable for non-SMEs
Aldermore Bank offers diverse business finance products including asset-based lending for UK enterprises. It is appropriate for businesses requiring longer-term financing and support for asset-intensive sectors. Aldermore Bank emphasizes broader financing solutions with consideration for security and loan duration.
Loan Details
- Min Amount: £1,000
- Max Amount: £0
- Min APR: 5.5%
- Max APR: 0%
- Loan Duration: Up to 30 years ⌛
Services & Industries
- Finance Types: Asset Based Lending, Invoice Finance
- Industries: General Business, Asset-Intensive Industries
Pros
- Wide range of financing solutions
- Support for asset-heavy industries
Cons
- Potentially complex products
- May have higher administrative costs
How to choose
When selecting the best selective invoice finance lenders for plumbers, consider the size of the loan and the total cost including APR. Ensure the eligibility criteria align with your business type and financial status. Evaluate the speed of funding and flexibility in repayment options. Also, weigh the need for collateral and how the lender manages invoice verification. Understanding the fee structures and any early repayment penalties is crucial. These factors combined will help you choose a financing solution that matches your trade business’s cash flow and growth plans.
Conclusion
Matching the right lender to your plumbing business depends on your specific needs. Banks generally suit those needing structured, long-term loans, while brokers like Funding Agent help compare multiple options quickly. Specialist invoice finance providers focus on unlocking working capital with flexible terms but may have more specific product criteria. Consider your required loan size, term length, and whether asset security is appropriate. Choosing accordingly ensures your business access to the appropriate 200 thousand pounds loan or other funding amounts.
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