April 14, 2026
Lists

Best Selective Invoice Finance Lenders for Wholesale Businesses

Discover the best selective invoice finance lenders tailored for wholesale businesses in the UK. Compare options and boost your cash flow today.
Square image with a black border and white background
Best Selective Invoice Finance Lenders for Wholesale Businesses
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Selective Invoice Finance Lenders for Wholesale Businesses

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 2026-04-07.

1. Funding Agent

Funding Agent serves as a broker helping UK SMEs access a range of business finance options quickly through a straightforward application process. It is typically suited for SMEs looking for transparent choices with varying loan terms. The platform emphasises speed and matching eligibility without requiring collateral and offers flexibility in repayment options.

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 delivers traditional bank business loans designed to support business expansion and investments. It is generally suitable for UK SMEs with strong credit profiles seeking scalable financing over longer durations. Flexibility is provided within structured lending frameworks often requiring detailed financials and may involve fixed or variable repayments.

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 Financing
  • Industries: Various

Pros

  • Trusted
  • Scalable finance

Cons

  • May require good credit rating

Sources: Source

3. Bibby Financial Services

Bibby Financial Services specialises in invoice finance and asset-based lending tailored to improve cash flow for businesses. It suits wholesale businesses seeking customised finance solutions without standard loan constraints. Services typically include flexible access to funds based on receivables, with consideration for industry and sector specifics.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Invoice Finance, Asset Based Lending
  • Industries: Construction, Professional Services

Pros

  • Independent lender
  • Tailored solutions

Cons

  • Focus on B2B sectors

Sources: Source

4. Ultimate Finance

Ultimate Finance offers asset-based lending and invoice finance solutions designed to support cash flow and growth across sectors. It suits businesses requiring tailored lending options where security may be a factor. Solutions are adaptable and may involve various repayment structures to fit operational needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

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

Pros

  • Custom funding solutions

Cons

  • May require collateral

Sources: Source

5. Close Brothers

Close Brothers provides asset finance and commercial lending aimed at supporting business growth and investment. It is appropriate for wholesale businesses that require flexible finance backed by assets or commercial arrangements. Application processes typically involve detailed financial reviews and may require collateral or structured repayment plans.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Vary by product

Services & Industries

  • Finance Types: Asset Finance, Commercial Loans
  • Industries: Various

Pros

  • Established bank
  • Flexible options

Cons

  • Requires detailed financial planning

Sources: Source

6. Aldermore

Aldermore Bank offers commercial finance solutions designed to support business growth and operational needs across the UK. Their financing is suitable for businesses requiring flexible terms with growth focus. Repayment options typically vary depending on product type and may involve asset-secured lending.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance, Asset Based Lending
  • Industries: Various

Pros

  • Wide range of products

Cons

  • Complex requirements

Sources: Source

7. Time Finance

Time Finance provides a range of funding options including secured loans, asset finance, and invoice finance tailored to various business needs. It suits wholesale businesses looking for flexible finance solutions where security and repayment terms can be negotiated. The provider emphasises adaptable repayment schedules within their loan structures.

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: Secured Loans, Invoice Finance
  • Industries: Various

Pros

  • Flexible repayment

Cons

  • Requires security

Sources: Source

8. Capify

Capify offers fast, flexible business loans aimed at SMEs, with personalised lending criteria to suit different business profiles. It suits wholesale businesses needing quick access to funds with adaptable loan amounts. The lender focuses on speedy decision-making with flexible repayment options but interest rates may be higher.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Small Business Loans
  • Industries: Various

Pros

  • Fast funding
  • Flexible amounts

Cons

  • Higher interest rates

Sources: Source

9. Kriya

Kriya provides B2B payment solutions including invoice finance and working capital loans designed to optimise business cash flow. It is suited to wholesale businesses needing short-term finance with flexible access to capital. Products often focus on quick turnaround and operational efficiency.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 3 months

Services & Industries

  • Finance Types: Invoice Finance, Working Capital Loans
  • Industries: Various

Pros

  • Innovative solutions

Cons

  • Short-term loans

Sources: Source

10. Growth Lending

Growth Lending specialises in growth capital and term loans to support fast-growing UK SMEs. It is suitable for wholesale businesses seeking significant funding for expansion or larger investments. Loans often involve structured terms with eligibility criteria based on business growth trajectories.

Loan Details

  • Min Amount: £2,000,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Growth Capital, Term Loans
  • Industries: Various

Pros

  • Large funding amounts

Cons

  • Strict eligibility

Sources: Source

How to choose

Select lenders based on the specific finance type best suited for wholesale businesses, such as invoice finance or asset-based lending. Consider loan sizes that align with your funding needs and review the repayment terms for flexibility and fit with business cash flow. Assess the speed of access and any collateral requirements, especially for selective invoice finance products. Eligibility criteria and fee structures vary widely, so understanding lender-specific conditions is key. Brokered platforms may offer a wider selection and quicker comparisons, while direct lenders may provide tailored service. Balance these factors to identify finance solutions that support sustainable growth in your wholesale operations.

Conclusion

Choosing the right lender involves matching the provider type to your business needs. Banks tend to offer more structured loans suitable for established firms, while brokers like Funding Agent provide access to multiple lenders with faster, simplified comparisons. Specialist lenders focus on niche financing such as asset-based or invoice finance, which can suit wholesale businesses with specific cash flow needs. For borrowers considering around 200 thousand pounds loan, assessing repayment flexibility and eligibility is critical. Funding Agent remains a practical starting point to explore various options without commitment.

Table of Contents

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is selective invoice finance?
How does selective invoice finance benefit wholesale businesses?
Who are the best selective invoice finance lenders in the UK?
What criteria do lenders use to approve selective invoice finance?
Are there any risks associated with selective invoice finance?
How quickly can I get funds from selective invoice finance?

Get Funding For
Your Business

Generate offers
Cta image
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 offers flexible business loans to help businesses expand and invest.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
3Bibby Financial ServicesBibby Financial Services is a UK independent invoice finance and asset-based lending specialist providing cash flow solutions to businesses.£0–£0; 0%–0% APR; Flexible
4Ultimate FinanceUltimate Finance provides tailored asset-based lending solutions to support business growth and cash flow management across various sectors.£0–£0; 0%–0% APR; Flexible
5Close BrothersClose Brothers offers a range of financial solutions including asset finance and commercial finance to support businesses in their growth and investment needs.£0–£0; 0%–0% APR; Vary by product
6AldermoreAldermore Bank provides commercial finance solutions tailored to support businesses in their growth and operational needs across the UK.£25,000–£2,000,000; 0%–0% APR; 3 months to multiple years
7Time FinanceTime Finance offers versatile funding solutions including secured business loans, asset finance, and invoice finance to support business funding needs.£50,000–£500,000; 0%–0% APR; Up to 5 years
8CapifyCapify provides fast, flexible business loans for SMEs with a focus on quick funding and personalized lending criteria.£5,000–£1,000,000; 0%–0% APR; Flexible
9KriyaKriya offers B2B payment solutions, invoice finance, and working capital loans to enhance business cash flow and operational efficiency.£0–£0; 0%–0% APR; 1 to 3 months
10Growth LendingGrowth Lending provides growth capital and term loans to support fast-growing SMEs in the UK with their expansion and investment activities.£2,000,000–£10,000,000; 0%–0% APR; Flexible