April 14, 2026
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Best Selective Invoice Finance Lenders for Restaurants

Discover the best selective invoice finance lenders tailored for restaurants in the UK. Learn how to boost cash flow and manage invoices effectively with our 2024 top picks.
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Best Selective Invoice Finance Lenders for Restaurants
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 Restaurants

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 offers brokerage services that help UK SMEs quickly compare business finance options. It is suitable for companies that need an efficient way to review multiple lending products with transparent terms. Their platform emphasizes speed and simplicity, with a focus on unsecured loans and flexible repayment choices.

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. Kriya

Kriya specialises in working capital loans and selective invoice finance tailored for UK businesses needing quick access to funds. It targets SMEs requiring short-term financing with simplified application processes. The provider offers accessible funding with attention to swift decisions, suitable for businesses prioritising speed over high loan amounts.

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: Various

Pros

  • Fast funding
  • Specialized in selective invoice financing

Cons

  • Short loan duration

Sources: Source

3. Nucleus Commercial Finance

Nucleus Commercial Finance provides a range of flexible business loans and invoice finance products designed for UK SMEs. It suits businesses that need adaptable term lengths and moderate to high loan amounts with various repayment options. The provider is suitable for those needing tailored financing without strict collateral requirements.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible terms ⌛

Services & Industries

  • Finance Types: Invoice Finance, Business Loans
  • Industries: SMEs

Pros

  • High loan limits
  • Flexible financing

Cons

    Sources: Source

    4. Novuna

    Novuna offers varied financing, including invoice and business loans aimed at SMEs in hospitality. It is suitable for those needing tailored finance for this sector and values flexible terms without always requiring security. Novuna focuses on solutions that support hospitality businesses with specialised needs.

    Loan Details

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

    Services & Industries

    • Finance Types: Invoice Finance, Business Loans
    • Industries: Hospitality, SMEs

    Pros

    • Tailored for hospitality
    • Flexible solutions

    Cons

      Sources: Source

      5. iwoca

      iwoca delivers flexible loan and financing options to small UK businesses, with a focus on restaurants and SMEs. It suits those that require rapid funding decisions and no early repayment penalties. Their offerings typically combine ease of access with adaptable loan durations and repayment terms.

      Loan Details

      • Min Amount: £1,000
      • Max Amount: £1,000,000
      • Min APR: 0%
      • Max APR: 0%
      • Loan Duration: 1 day to 24 months ⌛

      Services & Industries

      • Finance Types: Business Loans
      • Industries: SMEs, Restaurants

      Pros

      • Quick decision
      • No early repayment fees

      Cons

        Sources: Source

        6. Lloyds Bank

        Lloyds Bank provides traditional business loans and invoice financing with a broad range of lending products. It suits businesses looking for established lenders with long repayment terms and varying lending limits. Lloyds offers products that often require security but accommodate different financing needs.

        Loan Details

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

        Services & Industries

        • Finance Types: Business Loans, Invoice Finance
        • Industries: Various

        Pros

        • Long repayment terms
        • Established bank

        Cons

          Sources: Source

          7. Skipton Business Finance

          Skipton Business Finance specialises in invoice finance solutions targeted at SMEs seeking to free up working capital. It is suited for those requiring flexible financing options within the selective invoice finance market. The provider emphasises ongoing support and tailored products without high minimum loan requirements.

          Loan Details

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

          Services & Industries

          • Finance Types: Invoice Finance
          • Industries: SMEs

          Pros

          • Flexible financing
          • Specialized in SMEs

          Cons

            Sources: Source

            8. Barclays

            Barclays offers a comprehensive range of business lending products, including invoice and asset finance. It suits businesses looking for a wide selection of financing options from an established bank. Barclays provides flexible repayment options but may require security depending on the product.

            Loan Details

            • Min Amount: £1,000
            • Max Amount: £5,000,000
            • Min APR: 0%
            • Max APR: 0%
            • Loan Duration: 1 to 10 years ⌛

            Services & Industries

            • Finance Types: Business Loans, Invoice Finance, Asset Finance
            • Industries: Various

            Pros

            • Wide product range
            • Established financial institution

            Cons

              Sources: Source

              9. Growth Lending

              Growth Lending provides flexible invoice finance solutions aimed at supporting business growth and liquidity needs. It is suitable for SMEs looking for adaptable lending conditions alongside invoice financing. Growth Lending offers a practical approach with a focus on customer-specific lending solutions.

              Loan Details

              • Min Amount: £5,000
              • Max Amount: £2,000,000
              • Min APR: 0%
              • Max APR: 0%
              • Loan Duration: Flexible ⌛

              Services & Industries

              • Finance Types: Invoice Finance
              • Industries: SMEs

              Pros

              • Focus on growth
              • Flexible loan conditions

              Cons

                Sources: Source

                10. Virgin Money

                Virgin Money offers business finance solutions that include invoice and working capital finance options for SMEs. The provider suits businesses seeking innovative products from a well-known lender. Virgin Money focuses on flexible terms and a broad appeal across multiple industries.

                Loan Details

                • Min Amount: £10,000
                • Max Amount: £3,000,000
                • Min APR: 0%
                • Max APR: 0%
                • Loan Duration: 1 to 10 years ⌛

                Services & Industries

                • Finance Types: Business Loans, Invoice Finance
                • Industries: Various

                Pros

                • Innovative products
                • Strong brand recognition

                Cons

                  Sources: Source

                  How to choose

                  When selecting the best selective invoice finance lender for restaurants, consider your specific cash flow needs and business size. Look for lenders who offer flexible repayment options and quick access to funds, especially if your business experiences seasonal fluctuations. Evaluate whether collateral is required and how that fits with your current assets. Compare fees and terms to find a solution that aligns with your financial plans. Finally, assess eligibility criteria and application speed to reduce delays in funding.

                  Conclusion

                  Choosing the right lender depends on your specific needs. Established banks often suit businesses looking for long-term finance and wide service ranges. Brokers like Funding Agent can help compare multiple options quickly for those needing flexible access. Specialist providers may be better for tailored solutions or faster decisions with specific financing products. Always review terms carefully to ensure the chosen lender matches your business goals for loans up to several hundred thousand pounds.

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                  FAQs

                  What is selective invoice finance?
                  How does selective invoice finance benefit restaurants?
                  Are there specific lenders offering selective invoice finance for restaurants?
                  How much does selective invoice finance cost for restaurants?
                  Can new or small restaurants access selective invoice finance?
                  How quickly can restaurants get funding using 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
                  2KriyaKriya offers working capital loans and selective invoice financing solutions, specializing in fast and accessible funding for UK businesses.£0–£0; 0%–0% APR; 1 to 3 months
                  3Nucleus Commercial FinanceNucleus Commercial Finance provides flexible business loans and invoice financing, catering to a wide range of SMEs in the UK.£3,000–£2,000,000; 0%–0% APR; Flexible terms
                  4NovunaNovuna offers a variety of financial solutions, including invoice and business loans, tailored to SMEs in the hospitality sector.£10,000–£0; 0%–0% APR; Unknown
                  5iwocaiwoca provides flexible loans and financing solutions to UK small businesses, with a strong presence in the restaurant sector.£1,000–£1,000,000; 0%–0% APR; 1 day to 24 months
                  6Lloyds BankLloyds Bank offers business loans and invoice finance solutions, supporting the expanding needs of UK businesses.£1,000–£1,000,000; 0%–0% APR; Up to 25 years
                  7Skipton Business FinanceSkipton Business Finance provides invoice finance solutions, aiding SMEs in unlocking working capital through innovative financial services.£0–£0; 0%–0% APR; Unknown
                  8BarclaysBarclays offers a wide array of business lending products, including invoice and asset finance tailored to various businesses in the UK.£1,000–£5,000,000; 0%–0% APR; 1 to 10 years
                  9Growth LendingGrowth Lending offers flexible lending solutions including invoice finance, supporting the growth and liquidity of UK businesses.£5,000–£2,000,000; 0%–0% APR; Flexible
                  10Virgin MoneyVirgin Money provides innovative business finance solutions, including invoice and working capital finance for UK SMEs.£10,000–£3,000,000; 0%–0% APR; 1 to 10 years
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