April 14, 2026
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Best Selective Invoice Finance Lenders for Security Services Companies

Discover the best selective invoice finance lenders tailored for UK security services companies. Improve cash flow with trusted financing solutions today.
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Best Selective Invoice Finance Lenders for Security Services 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 Security Services 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 offers a platform that focuses on helping UK SMEs compare various business finance options quickly. It is suitable for businesses looking for an easy application process with fast eligibility checks. The service emphasises straightforward access to finance with flexible terms and no 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 provides traditional business loans through a broad range of financial solutions. It is typically suited to UK SMEs seeking funding for business growth or infrastructure investments. The lender offers a mix of secured and unsecured options with varying terms and repayment structures, often requiring formal application and documentation.

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, Invoice Finance
  • Industries: General Business

Pros

  • Comprehensive business services
  • Wide range of loan amounts

Cons

  • Higher amounts require more documentation

Sources: Source

3. Skipton Business Finance

Skipton Business Finance specialises in providing invoice finance and asset-based lending to UK SMEs. It suits businesses looking for working capital solutions backed by receivables, with product terms that are adaptable. The lender offers flexible structures without fixed loan amounts, focusing on cash flow support rather than traditional loans.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied based on product ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset-based Lending
  • Industries: SMEs

Pros

  • Flexible terms
  • Specialized in SME funding

Cons

  • Limited to invoice finance products

Sources: Source

4. Kriya

Kriya focuses on short-term working capital loans and invoice financing for UK SMEs. It is well suited for businesses requiring quick access to funds and pay-as-you-go repayment options. The lender prioritises flexibility and speed over longer loan terms or high collateral requirements.

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: Tech, SMEs

Pros

  • Quick access to funds
  • Pay-as-you-go options

Cons

  • Short-term loans only

Sources: Source

5. Growth Lending

Growth Lending specialises in growth capital loans tailored for rapidly expanding UK SMEs. It is suitable for businesses requiring larger funding amounts with flexible terms agreed on individually. The lender offers invoice finance and term loans with a focus on tailored solutions rather than fixed product offerings.

Loan Details

  • Min Amount: £2,000,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied based on agreement ⌛

Services & Industries

  • Finance Types: Growth Capital Loans, Invoice Finance
  • Industries: Fast-growing SMEs

Pros

  • Tailored to growth businesses
  • Large funding amounts

Cons

  • Higher minimum loan amount

Sources: Source

6. Nucleus Commercial Finance

Nucleus Commercial Finance provides a broad range of flexible business loans for UK SMEs, including both secured and unsecured options. It suits businesses looking for customised finance with various term lengths and collateral arrangements. The lender focuses on practical solutions with variable terms and repayment types.

Loan Details

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

Services & Industries

  • Finance Types: Business Loans, Secured Loans
  • Industries: General Business

Pros

  • Rapid decision-making
  • Diverse financing options

Cons

  • Loan terms can be complex

Sources: Source

7. iwoca

iwoca offers fast and flexible business loans aimed at UK SMEs needing short-term finance. It suits those who prioritise quick access and simple repayment structures, with no early repayment penalties. The provider focuses on flexibility and ease rather than long-term lending.

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

Pros

  • Flexible repayment terms
  • No early repayment fees

Cons

  • Shorter maximum lending period

Sources: Source

8. Barclays

Barclays offers a broad set of business lending options in the UK, including secured and unsecured loans. It is appropriate for SMEs seeking financing backed by their business assets or unsecured credit. The provider offers varied loan terms and amounts with flexible repayment options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: General Business

Pros

  • Wide range of services
  • Strong brand recognition

Cons

  • Loan terms may vary significantly

Sources: Source

9. NatWest

NatWest offers a variety of business loan products with fixed and variable interest options. It is aimed at UK SMEs needing flexible funding solutions with repayment options tailored to business needs. The lender supports diverse financing needs with a mix of term lengths and loan conditions.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied up to 10 years ⌛

Services & Industries

  • Finance Types: Fixed Rate Loans, Variable Rate Loans
  • Industries: General Business

Pros

  • Flexible interest options
  • No early repayment fees

Cons

  • Minimum borrowing limits

Sources: Source

10. Funding Circle

Funding Circle operates as a peer-to-peer lending platform focused on providing business loans to UK SMEs. It is suitable for companies seeking affordable and timely finance with flexible loan terms. The platform relies on investor availability and offers varying loan durations and repayment options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied based on loan ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: SMEs

Pros

  • Fast decision making
  • Affordable rates

Cons

  • Dependent on investment availability

Sources: Source

How to choose

When selecting selective invoice finance lenders for security services companies, it is important to consider your business size and funding needs. Look for lenders offering flexible terms and repayment options that align with your cash flow cycles. Assess the eligibility criteria carefully to ensure you meet their requirements without excessive documentation. Speed of funding can be critical, so compare providers on processing times and application simplicity. Consider whether collateral or security is required, and if the lender specialises in your industry or business model. Balancing cost, flexibility, and support will help find the right lender for your specific circumstances.

Conclusion

Choosing the right lender depends on your specific use case: banks may offer comprehensive services and larger loans, brokers like Funding Agent facilitate comparisons across multiple options, and specialists focus on tailored solutions with flexible invoice finance. Understanding your needs for collateral, loan size, and repayment terms will guide you to the best match. Providers vary in speed and flexibility so consider these factors alongside cost. This guide helps identify suitable lenders for a wide range of UK SMEs requiring selective invoice finance. Proper due diligence ensures you select the most appropriate source for funding a security services company with needs around 200 thousand pounds loan or higher.

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FAQs

What is 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 provides a range of business financial solutions in the UK, with loans available for expanding and investing in business infrastructure.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
3Skipton Business FinanceSkipton Business Finance offers flexible invoice finance solutions to UK SMEs, enabling access to working capital through receivables and cashflow loans.£0–£0; 0%–0% APR; Varied based on product
4KriyaKriya offers business loans and invoice financing, providing SMEs with working capital through flexible loan and invoice finance options in the UK.£0–£0; 0%–0% APR; 1 to 3 months
5Growth LendingGrowth Lending specializes in providing growth capital for fast-growing UK SMEs, with finance solutions including term loans and invoice finance.£2,000,000–£10,000,000; 0%–0% APR; Varied based on agreement
6Nucleus Commercial FinanceNucleus Commercial Finance provides flexible business loans in the UK, offering unsecured and secured loans to SMEs from £3k to £2m.£3,000–£2,000,000; 0%–0% APR; Varied
7iwocaiwoca offers fast, flexible business loans to UK SMEs, with loans ranging from £1k to £1m, repayable over 1 day to 24 months.£1,000–£1,000,000; 0%–0% APR; 1 day to 24 months
8BarclaysBarclays provides a wide range of business lending services in the UK, with options for both secured and unsecured loans.£1,000–£100,000; 0%–0% APR; Varied
9NatWestNatWest offers various business lending products to support UK businesses, including business loans with fixed and variable interest rates.£25,001–£10,000,000; 0%–0% APR; Varied up to 10 years
10Funding CircleFunding Circle is a peer-to-peer lending platform providing business loans to UK SMEs, with a focus on affordable and fast financing solutions.£5,000–£750,000; 0%–0% APR; Varied based on loan
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