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.
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
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
Cons
- May require good credit rating
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
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
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
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
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
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
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
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
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.