October 1, 2025
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The Best invoice financing Lenders in the UK for 2026

Discover the best invoice financing lenders in the UK for 2026. Compare rates, terms, and find the perfect lender to support your business cash flow needs.
Jesse Spence
Finance content writer / Market researcher

For UK franchise buyers and operators, this guide compares loan ranges, APRs, and terms across leading providers, with a focus on eligibility and fit. prices accurate as of 2025-10-01.

RankProviderDescriptionLoan Details
1Funding AgentFunding Agent offers fast and simple loan applications with quick approvals, tailored to suit small to large business financing needs.£5,000–£5,000,000; 3.5%–20% APR; 0–0 months
2KriyaKriya, formerly MarketFinance, offers competitive invoice financing solutions tailored for SMEs.£5,000–£10,000,000; 1.5%–0% APR; 0–0 months
3Growth LendingGrowth Lending provides financial solutions to UK SMEs, with a focus on loans over £100,000.£100,000–£0; 0%–0% APR; 0–0 months
4Skipton Business FinanceSkipton Business Finance delivers tailored invoice financing solutions across the UK SME sector.£0–£0; 0%–0% APR; 0–0 months
5Metro Bank SME FinanceMetro Bank offers comprehensive financial services for SMEs, including invoice discounting and cash-flow solutions.£0–£0; 0%–0% APR; 0–0 months
6RBS FacFlowRBS FacFlow provides secure online management for invoice financing, with flexible funding options.£10,000–£19,999; 0%–0% APR; 0–0 months
7Bibby Financial ServicesBibby Financial Services is a leading independent funder offering a range of cash flow finance solutions.£0–£0; 0%–0% APR; 0–0 months
8ECapitalECapital offers invoice finance up to 95% of the invoice value, supporting SME cash flow needs quickly.£0–£0; 0%–0% APR; 0–0 months
9TriverTriver provides instant capital solutions, transforming SME cash flow through innovative financial tools.£0–£0; 0%–0% APR; 0–0 months
10Optimum FinanceOptimum Finance specializes in invoice financing to help SMEs manage and optimize cash flow effectively.£0–£0; 0%–0% APR; 0–0 months

1. Funding Agent

Funding Agent focuses on providing simple, fast loan applications suitable for small to large UK businesses. Ideal for SMEs needing quick approvals without extensive collateral requirements. Offers tailored flexibility across various business needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 3.5%
  • Max APR: 20%
  • Min Duration: 6 months
  • Max Duration: 60 months

Services & Industries

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

Pros

  • Quick approval
  • Flexible loan amounts

Cons

  • Higher APR for small loans

Sources: https://www.fundingagent.co.uk/post/top-invoice-finance-lenders-in-the-uk-2025

2. Kriya

Kriya specializes in competitive invoice financing solutions for SMEs. They cater to businesses seeking predictable terms and clear financing options. Speed and low minimum APR make them suitable for quick cash flow support.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 1.5%
  • Max APR: 4%
  • Min Duration: 0 months
  • Max Duration: flexible

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Financial Services, SME

Pros

  • Low minimum APR
  • No hidden fees

Cons

  • APR details vary by invoice

Sources: https://rosewoodfinance.co.uk/invoice-finance/compare-companies/kriya/

3. Growth Lending

Growth Lending offers financial solutions focusing on sizable loans over £100,000, aimed at UK SMEs. Suitable for those with large funding needs and a strong SME focus. Known for accommodating substantial financial demands.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Financing, SME Loans
  • Industries: Various

Pros

  • Caters to large loan demands
  • Strong SME focus

Cons

  • Limited information on APRs

Sources: https://www.credit-connect.co.uk/news/two-in-five-finance-brokers-expect-surge-in-demand-for-loans-over-100000/

4. Skipton Business Finance

Skipton Business Finance provides tailored invoice financing across the UK for SMEs. It’s ideal for businesses needing customized financial solutions with sector-specific options. Known for established trust and a variety of offerings.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 2.5%
  • Max APR: 4%
  • Min Duration: 0 months
  • Max Duration: flexible

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: SME

Pros

  • Wide range of solutions
  • Established provider

Cons

  • Limited loan amount information

Sources: https://www.skiptonbusinessfinance.co.uk/who-we-fund

5. Metro Bank SME Finance

Metro Bank SME Finance offers a range of services including invoice discounting, suitable for SMEs needing cash-flow solutions. Businesses benefit from diversity and a government-supported charter. A practical choice for tailored SME finance.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 8%
  • Max APR: 20%
  • Min Duration: Long epayment terms
  • Max Duration: Long repayment terms

Services & Industries

  • Finance Types: Invoice Discounting, Cash-flow Funding
  • Industries: SME

Pros

  • Government-supported charter
  • Diverse offerings

Cons

  • Limited APR information

Sources: https://www.metrobankonline.co.uk/about-us/press-releases/news/metro-bank-launches-metro-bank-sme-finance/

6. RBS FacFlow

RBS FacFlow facilitates secure online invoice finance management, with flexible funding for SMEs. It's a suitable choice for businesses valuing digital accessibility and adaptable financing solutions. RBS combines security with flexibility.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £19,999
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: Various

Pros

  • Secure online access
  • Flexible options

Cons

  • Limited APR details

Sources: https://www.rbs.co.uk/business/loans-and-finance/invoice-finance/facflow.html

7. Bibby Financial Services

Bibby Financial Services is an independent leader in cash flow finance, serving a range of SME funding needs. Clients benefit from diverse options without typical constraints. Perfect for those prioritizing market reputation and service variety.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £200,000
  • Min APR: 2%
  • Max APR: 4%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

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

Pros

  • Diverse financial services
  • High market reputation

Cons

  • APR information not clear

Sources: http://www.flexidraft.co.uk/

8. ECapital

ECapital provides up to 95% invoice finance, aiding SMEs with quick cash flow solutions. It's suitable for fast funding needs, offering flexibility within the invoice value range. Supports business continuity with efficient service.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: SME

Pros

  • Fast funding
  • High percentage of invoice value

Cons

  • Limited APR info

Sources: https://www.smeinvoicefinance.co.uk/invoice-discounting/

9. Triver

Triver specializes in instant capital solutions, enhancing SME cash flow through advanced tools. It's designed for technology-driven businesses seeking immediate access to working capital. Triver excels in innovative financial support.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Working Capital Solutions
  • Industries: SME

Pros

  • Innovative technology
  • Instant access

Cons

  • Loan amount details missing

Sources: https://triver.com/

10. Optimum Finance

Optimum Finance focuses on invoice financing, aiding SMEs in cash flow management. It targets businesses needing efficient operations without specific APR figures. Offers ease of service for effective financial control.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Financing
  • Industries: SME

Pros

  • Focus on SME
  • Comprehensive services

Cons

  • Specific APR details missing

Sources: https://optimumfinance.co.uk/news/

How to choose

When evaluating invoice financing options, consider the scale of loans and APR suitability for your budget. Assess eligibility criteria closely. Speed of funding versus flexibility in terms can affect your cash flow management. It's important to carefully examine fees and early repayment terms. Matching your needs with a lender's strengths, such as SME focus or industry compatibility, ensures a more strategic fit.

Conclusion

Choosing the right finance provider involves aligning your business needs with their specialties. Banks typically offer stability and reliability for larger deals, whereas brokers might provide wider access to multiple options. Specialists can cater to niche needs for targeted financial support. Funding Agent, a notable choice for SMEs, excels in providing quick comparisons. Always verify the latest terms directly with providers to ensure suitability for your financial strategies.

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