Top Invoice Finance Lenders for Small Businesses in the UK

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 2025-10-09.

1. Funding Agent

Funding Agent Funding Agent provides comprehensive financial services for small businesses in the UK, with various loan options and competitive APR rates. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 7.5%
• Max APR: 35%
• Loan Duration: 6–72 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Working Capital Loans
• Industries: Marketing Agencies, Consultancy Firms, IT Support Companies

Pros

• Flexible loan options
• Competitive APR rates

Cons

• High maximum APR

Sources: https://www.fundingagent.co.uk/post/best-business-loan-lenders-for-marketing-agencies-in-the-uk

2. Bibby Financial Services

Bibby Financial Services Bibby Financial Services is the UK's leading independent invoice finance specialist, supporting over 10,000 businesses. It primarily offers credit and financing options designed to support cash flow and invoice management.

Loan Details

• Min Amount: £2,000
• Max Amount: £500,000
• Min APR: 7%
• Max APR: 29%
• Loan Duration: 12-24 months⌛

Services & Industries

• Finance Types: Invoice Finance, Factoring
• Industries: Various SMEs

Pros

• Leading independent specialist
• Wide array of financial solutions

Cons

• Potentially higher interest rates

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

3. Metro Bank

Metro Bank Metro Bank offers business and commercial loans tailored for SMEs in the UK, often relying on existing banking relationships. It provides quick access to finance for established clients.

Loan Details

• Min Amount: £2,000
• Max Amount: £60,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1–5 years⌛

Services & Industries

• Finance Types: Commercial Loans, Invoice Financing
• Industries: Various SMEs

Pros

• Flexible terms
• No arrangement fees on loans under £25k

Cons

• Upper limit on loan amounts

Sources: https://www.metrobankonline.co.uk/business/borrowing/products/commercial-loans/

4. Optimum Finance

Optimum Finance Optimum Finance offers flexible invoice financing solutions for UK small businesses, often targeting those seeking rapid cash deployment. It provides quick approval and customised options for working capital needs.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Finance
• Industries: Various SMEs

Pros

• Customized finance options
• Efficient cash access

Cons

• Limited financial details online

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

5. Skipton Business Finance

Skipton Business Finance Specialising in invoice finance, this provider supports businesses with tailored solutions to access working capital efficiently. Its services are often used for cash flow management and growth funding.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 4%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Finance, Growth Guarantee Scheme
• Industries: Various SMEs

Pros

• Flexible finance options

Cons

• Incomplete online loan detail

Sources: https://www.skiptonbusinessfinance.co.uk/

6. Kriya (formerly MarketFinance)

Kriya (formerly MarketFinance) Kriya offers invoice financing solutions that support SMEs in managing cash flow. It provides quick, flexible access to funding for growth, acquisitions, or bridging finance needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £10,000,000
• Min APR: 1.5%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Finance, Loan Financing
• Industries: Various SMEs

Pros

• High loan limits
• Swift funding

Cons

• High entry-level loan amount

Sources: https://www.marketfinance.com

7. Growth Lending

Growth Lending Growth Lending offers funding solutions for rapidly expanding firms in need of flexible options. It works with businesses often seeking capital for growth or restructuring and provides varied borrowing options.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Growth Funding
• Industries: High-growth sectors

Pros

• Focus on fast-growing sectors
• Large funding capabilities

Cons

• Limited APR information

Sources: https://growthlending.com/

8. Triver

Triver Triver provides quick and flexible loan solutions for SMEs, commonly used for short-term cash needs and operational funding. Its streamlined process is suitable for businesses requiring prompt access to capital.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Business Loans
• Industries: Various SMEs

Pros

• Quick application process
• Tailored finance options

Cons

• Scant financial details online

Sources: https://www.triver.co.uk

9. eCapital

eCapital eCapital focuses on growth and working capital solutions, offering invoice financing that can be rapidly deployed. Its products suit businesses needing quick cash flow support and flexible funding structures.

Loan Details

• Min Amount: £5,000
• Max Amount: £1,000,000
• Min APR: 9%
• Max APR: 29.9%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Invoice Finance
• Industries: Various SMEs

Pros

• Fast access to capital
• Customized solutions

Cons

• Higher APR on larger loans

Sources: https://www.ecapital.com

10. GapCap

GapCap GapCap, part of Growth Lending, offers selective invoice finance designed for SMEs needing flexible and efficient cash flow management. It is typically suitable for non-construction sectors that prefer quick funding options.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Selective Invoice Finance
• Industries: Various SMEs

Pros

• Part of Growth Lending's broader financial offering

Cons

• Limited to non-construction industries

Sources: https://www.capalona.co.uk/our-lenders/gapcap/

How to choose

Match loan size and APR to your budget, check eligibility, and balance speed against flexibility. Consider how repayments fit your franchise cash flow and seasonality. Review lender criteria, fees, and early repayment terms before applying. For invoice finance, focus on the provider's reputation, ease of access, and flexibility of repayment options. If seeking assets-backed loans, evaluate security requirements and funding speeds. Brokers can help compare multiple providers quickly and find tailored solutions. Ultimately, matching your specific needs with the right lender type is key to effective funding management.

Conclusion

Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change. Choosing between bank, broker, or specialist lenders depends on your needs for speed, security, and flexibility. Carefully reviewing options ensures you select the most suitable funding solution for your business.