Best Selective Invoice Finance Lenders for Timber and Steel Stockholders
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 offers a brokered service focusing on comparing business finance options for UK SMEs. It is typically suited for those seeking fast access to working capital with options that do not require collateral. Their service emphasises speed and simplicity in eligibility matching with various repayment types available.
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 provides mainstream bank business loans focusing on longer-term lending to UK companies. It is generally suited for established businesses seeking to invest in equipment and expansion with repayments typically spread over multiple years. The offering involves formal application processes requiring credit checks and may include secured lending options.
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: Multiple sectors
Pros
- High loan amounts
- Long-term repayment options
Cons
- Requires good credit history
- Long application process
Bibby Financial Services specialises in invoice finance and factoring solutions aimed at improving cash flow for UK businesses. Its products are typically suited for companies looking to leverage outstanding invoices without fixed asset collateral. The provider offers flexible funding mechanisms with options adapted to different business sectors.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Finance, Factoring
- Industries: Business Services, Construction
Pros
- Flexible funding options
- Suitable for various industries
Cons
- Requires more documentation
- Can be expensive for small loans
Skipton Business Finance offers asset-based lending primarily for SMEs seeking to unlock working capital against receivables and physical assets. This is suited to businesses with tangible collateral aiming for more flexible funding terms. They provide lending structures with different repayment and security options depending on client needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset-Based Lending, Invoice Finance
- Industries: SMEs
Pros
- Specialises in SMEs
- Fast approval process
Cons
- Limited to businesses with assets
- Higher interest rates
Ultimate Finance is a specialist provider focusing on asset-based lending and invoice finance tailored to business requirements. It is suitable for companies across various sectors that require customised funding solutions. The service often involves secured lending with negotiable repayment terms and flexibility.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Asset-Based Lending, Invoice Finance
- Industries: Multiple sectors
Pros
- Tailored solutions
- High loan amounts
Cons
- Requires collateral
- Not suitable for startups
Close Brothers provides asset finance focusing on hire purchase and leasing options for SMEs. It is well-suited for businesses seeking flexible finance secured against assets, with varied repayment plans. The provider emphasises tailored funding that matches the asset type and business cash flow cycles.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, Hire Purchase, Leasing
- Industries: SMEs
Pros
- Flexible funding solutions
- High asset value loans
Cons
- Requires assets for collateral
- Complex terms
Aldermore Bank offers flexible business finance solutions including asset-based lending and invoice finance designed for a variety of sectors. It suits businesses that require tailored lending options with varying loan durations and flexible repayment structures. The provider often considers collateral value and business financials for approval.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 months to 5 years ⌛
Services & Industries
- Finance Types: Asset-Based Lending, Invoice Finance
- Industries: Multiple sectors
Pros
- Tailored to client needs
- Diverse finance options
Cons
- Requires good financials
- Higher rates for higher risk
Time Finance provides flexible financing for UK businesses including asset and invoice finance. It is suited for companies seeking adaptable funding with repayment terms that accommodate various business requirements. The provider's offerings often allow for customised solutions based on client operation and risk profile.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Asset Finance, Invoice Finance
- Industries: Various Industries
Pros
- Flexibility in funding
- Suitable for larger loans
Cons
- Limited to certain regions
- Requires established business
Capify specialises in offering fast and flexible small business loans, including merchant cash advances. It suits businesses needing quick funding access with adaptable terms, often without extensive security requirements. Their focus is on speed and flexibility for a range of industries including retail and hospitality.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Short to Medium term ⌛
Services & Industries
- Finance Types: Small Business Loans, Merchant Cash Advance
- Industries: Retail, Hospitality, Healthcare
Pros
- Fast funding process
- Flexible terms
Cons
- Higher interest rates
- Limited eligibility
Nucleus Commercial Finance offers a range of secured and unsecured loans, including invoice finance, for UK businesses. Its products suit companies seeking diverse lending solutions with flexible terms tailored to individual requirements. The provider focuses on rapid decision-making with consideration for business risk and loan purpose.
Loan Details
- Min Amount: £3,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Various terms available ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans, Invoice Finance
- Industries: Multiple industries
Pros
- Diverse financing options
- Rapid decision-making
Cons
- Higher fees
- Extensive paperwork
How to choose
When selecting selective invoice finance lenders for timber and steel stockholders, consider the loan amount and APR that align with your business budget. Evaluate eligibility criteria carefully to ensure your company fits the lender’s profile. Balance the need for application speed against flexibility in repayment terms. Check whether collateral or security is required and confirm the loan-to-value ranges offered. Be mindful of fees, early repayment conditions, and how funding aligns with the seasonality of your stockholding business.
Conclusion
Choosing the right lender depends on your specific financing needs. Bank providers typically offer longer-term finance with secured options suited to established businesses. Brokers like Funding Agent provide access to multiple lenders quickly, focusing on unsecured loans and speed. Specialists target niche markets or asset-backed funding with tailored solutions. Understanding these differences will help you match the right provider to your timber or steel stockholding finance requirements, whether for working capital or asset-backed lending.