September 30, 2025
Lists

Top 10 Invoice Finance Lenders for Legal and Compliance Firms in the UK for 2025

Discover the best invoice finance lenders for legal and compliance firms in the UK for 2025. Compare options to boost your cash flow and grow your practice.
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 2025-09-30.

RankProviderSummaryLoan range; APR; Term
1Funding AgentFunding Agent provides fast, simple invoice financing options for legal and compliance firms.£0–£0; 0%–0% APR; 0–0 months
2MarketFinanceMarketFinance, rebranded as Kriya, is a leading UK-based invoice finance provider, offering flexible financing options to SMEs with competitive APRs.£0–£500,000; 9%–0% APR; 0–0 months
3HSBC Invoice FinanceHSBC offers invoice finance solutions allowing businesses to receive up to 90% of their invoice value quickly, enhancing cash flow for larger companies.£0–£750,000; 0%–0% APR; 0–0 months
4Skipton Business FinanceSkipton Business Finance provides invoice finance solutions across multiple industries, focusing on speed and flexibility to support SME growth.£0–£0; 0%–0% APR; 0–0 months
5Bibby Financial ServicesBibby Financial Services is the UK's largest independent invoice finance provider, offering cash flow funding for over 10,000 businesses.£0–£0; 0%–0% APR; 0–0 months
6Metro BankMetro Bank provides invoice financing solutions, advancing up to 85% of invoice value within 24 hours, with flexibility and customer-centric service.£0–£0; 0%–0% APR; 0–0 months
7Growth LendingGrowth Lending provides tailored invoice finance solutions, supporting SME growth with flexible funding between £25,001 and £2 million.£25,001–£2,000,000; 0%–0% APR; 0–0 months
8eCapitaleCapital provides fast, flexible funding and invoice finance solutions, advancing up to 90% of invoice value to improve cash flow for businesses.£0–£4,000,000; 0%–0% APR; 0–0 months
9TriverTriver is an innovative invoice finance provider using AI and open banking to offer quick cash access to SMEs, with flexible, tech-driven solutions.£0–£0; 0%–0% APR; 0–0 months
10Optimum FinanceOptimum Finance specializes in providing invoice finance solutions to SMEs, helping release funds tied up in unpaid invoices to enhance cash flow.£0–£0; 0%–0% APR; 0–0 months

1. Funding Agent

Funding Agent Funding agent focuses on facilitating quick invoice financing for legal and compliance firms. It is suitable for organisations needing rapid cash flow support and flexible repayment options. The service often provides fast access and straightforward terms, making it suitable for firms requiring immediate liquidity.

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: Legal, Compliance

Pros

  • Fast approval times
  • Tailored solutions for professional services

Cons

  • Limited loan amount information

Sources: https://www.fundingagent.co.uk/financing-options/invoice-financing-for-legal-and-compliance-firms

2. MarketFinance

MarketFinance offers flexible invoice finance and working capital solutions suited to small and medium enterprises. Its focus is on providing quick, accessible funding with reasonable efficiency for franchise buyers, property purchases, or operational needs. The service emphasises speed and adaptability for growing businesses.

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 9%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Invoice Finance, Business Loans
  • Industries: SMEs

Pros

  • Flexible terms
  • Competitive APR

Cons

  • Cap on loan amount

Sources: https://www.marketfinance.com,https://www.capalona.co.uk/our-lenders/kriya/ https://www.marketfinance.com,https://www.capalona.co.uk/our-lenders/kriya/

3. HSBC Invoice Finance

HSBC Invoice Finance provides invoice financing options to support larger businesses and firms with fast access to funds based on invoice value. It is suitable for companies seeking reliable, quick funding with high advance rates and global banking support. The service offers flexibility and scalability for operational needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

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

Pros

  • High advance rate
  • Global banking network

Cons

  • Less personalised customer service

Sources: https://www.business.hsbc.co.uk/,https://www.companeo.co.uk/factoring/guide/hsbc-invoice-finance https://www.business.hsbc.co.uk/,https://www.companeo.co.uk/factoring/guide/hsbc-invoice-finance

4. Skipton Business Finance

Skipton Business Finance Skipton provides invoice finance solutions tailored to various industries. It is suitable for companies seeking quick access, flexible terms, and support for growth and cash flow needs. The service emphasises speed and ease of access for operational finance.

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 Finance
  • Industries: SMEs

Pros

  • Fast services
  • Flexible solutions

Cons

  • Limited APR information

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

5. Bibby Financial Services

Bibby Financial Services It offers invoice finance solutions aimed at improving cash flow for a large number of businesses. Its focus is on providing quick, flexible funding with minimal paperwork for companies needing quick liquidity. The provider supports a wide range of sectors.

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 Finance, Invoice Factoring
  • Industries: Various

Pros

  • Largest independent provider
  • Trusted by many

Cons

  • Loan amount info unknown

Sources: https://www.bibbyfinancialservices.com/,https://bibbylinegroup.co.uk/companies/bibby-financial/ https://www.bibbyfinancialservices.com/,https://bibbylinegroup.co.uk/companies/bibby-financial/

6. Metro Bank

Metro Bank Metro Bank offers invoice financing solutions suitable for businesses needing quick access to funds, primarily secured on receivables. Known for fast processing, it is ideal for firms with short-term liquidity needs and reliable client relationships.

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 Finance
  • Industries: Various

Pros

  • Fast advancing
  • Customer-centric service

Cons

  • No specified APR details

Sources: https://www.iwoca.co.uk/lenders/metro-bank-invoice-financing,https://compareyourbusinesscosts.co.uk/metro-bank-invoice-financing https://www.iwoca.co.uk/lenders/metro-bank-invoice-financing,https://compareyourbusinesscosts.co.uk/metro-bank-invoice-financing

7. Growth Lending

Growth Lending Growth Lending offers flexible invoice financing to support SME expansion. Its solutions are suitable for firms needing short to medium-term funds, often secured on receivables, to help with growth or operational liquidity.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

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

Pros

  • Supports SME growth
  • Flexible funding options

Cons

  • No specified APR

Sources: https://www.maffinancegroup.co.uk/products/growth-guarantee-scheme

8. eCapital

eCapital eCapital provides fast invoice finance and funding solutions for businesses needing quick access to liquidity. Its offerings are suited for firms looking for high advance rates and flexible terms, often with options for secured or unsecured funding mechanisms.

Loan Details

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

Services & Industries

  • Finance Types: Invoice Finance, Invoice Discounting
  • Industries: SMEs

Pros

  • High advance rates
  • Flexible terms

Cons

  • Higher caps needed for some businesses

Sources: https://ecapital.com/en-gb/products/invoice-finance/,https://ecapital.com/en-gb/ https://ecapital.com/en-gb/products/invoice-finance/,https://ecapital.com/en-gb/

9. Triver

Triver Triver is an innovative provider using AI and open banking to facilitate quick invoice financing. Its solutions are suitable for SMEs seeking fast, flexible funding options often secured on receivables. The provider leverages technology to streamline access to funds for operational needs.

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 Finance, Technology-driven Solutions
  • Industries: SMEs

Pros

  • Tech-driven
  • Flexible

Cons

  • Newer market presence

Sources: https://theintermediary.co.uk/2025/09/triver-secures-114m-to-boost-invoice-finance-for-smes/,https://www.capalona.co.uk/our-lenders/triver/ https://theintermediary.co.uk/2025/09/triver-secures-114m-to-boost-invoice-finance-for-smes/,https://www.capalona.co.uk/our-lenders/triver/

10. Optimum Finance

Optimum Finance Optimum Finance provides invoice finance solutions to SMEs. It helps firms release funds in unpaid invoices, supporting cash flow and working capital management. Suitable for businesses needing quick, short-term funding backed by reliable client relationships and flexible terms.

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 Finance
  • Industries: SMEs

Pros

  • Supports short-term cash flow
  • Flexible repayment terms

Cons

  • Terms and fees should be carefully reviewed

Sources: https://optimumfinance.co.uk/,https://uk.trustpilot.com/review/optimumfinance.co.uk

How to choose

When selecting a lender, check all fees including arrangement, valuation, legal, and early repayment charges. Verify if personal guarantees are required. Match loan size and term length to your asset life and cash flow. Consider seasonality and ensure you meet eligibility criteria and have required documentation prepared. Comparing different options helps you find the best deal aligned with your needs.

Conclusion

Choosing the right provider depends on your specific needs. Banks often offer larger loan amounts and stability. Brokers and specialists may provide more flexibility and quicker access. Always compare total costs including rates and fees. Check repayment terms and early exit conditions. Shortlist providers based on your eligibility and service preferences. Funding Agent is a strong option for quick, short-term finance for SMEs, but consider other providers for larger or secured funding. Always validate current costs and terms directly with the lender; pricing may change.

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