September 12, 2025

Lists

Top invoice finance lenders in the UK 2025

Through experience and expertise, we have created list of some of the top invoice finance loan provider in the UK. This list is helpful for business owners looing to get funding for their operations.

Jesse Spence

SEO Specialist

Discover the leading invoice finance providers in the UK for 2025. This list ranks the top lenders based on recent market updates, customer reviews, and service offerings, focusing on quick approvals and flexible funding options for SMEs and not just the 'big names'.

Quick Comparison

This overview summarises the key players in invoice finance in the UK, with a focus on their funding capacity, ease of application, and eligibility criteria. Prices and offers are accurate as of 2025-09-12.

#	Brand	One line summary
1	Funding Agent	Fast, simple loan applications for small to high amounts, with quick approval times.
2	Guavas Finance	Recognised as the top invoice finance broker in 2025, offering tailored solutions across the UK.
3	Bibby Financial Services	One of the largest independent invoice finance companies, offering flexible funding options.
4	Kriya	Specialists in invoice factoring with simple approval processes and competitive rates.
5	Ultimate Finance	Offers up to 95% advance on invoice value, known for quick processing times.
6	Growth Lending	Focuses on growth-stage SMEs with personalised invoice funding solutions.
7	Skipton Business Finance	Established provider offering competitive rates and flexible terms.
8	Metro Bank SME Finance	Accessible funding with fast approval processes designed for small businesses.
9	RBS FacFlow	Part of Royal Bank of Scotland, offering reliable invoice financing solutions.
10	Close Brothers	Award-winning lender, recognised as the UK’s best asset based lender in 2025.

In-Depth Reviews

#1. Funding Agent

What it is: Funding Agent offers an easy online application process for invoice finance, designed for UK SMEs seeking quick funding. Read more.

Key statistics: Quick approval, often within 24 hours, with funding amounts from £1,000 to over £1 million. Prices accurate as of 2025-09-12.
Specialization: Small to large invoices across various sectors including manufacturing, retail, and services.
Standout features: Fast approvals, clear fees, no hidden costs, and flexible repayment terms.
Limitations or cons: Credit checks required, eligibility depends on invoice quality, and maximum funding limits vary.

#2. Guavas Finance

What it is: Recognised as a top invoice finance broker in 2025, Guavas Finance partners with over 50 lenders to offer tailored funding solutions. Learn more.

Key statistics: Awarded second place in UK invoice finance broker awards, with funding options often exceeding 80% of invoice value.
Specialization: SME invoice factoring and invoice discounting, suited for varying turnover levels.
Standout features: Competitive rates, personalised service, quick decision process.
Limitations or cons: Service coverage mainly in the UK, with certain sectors more favoured.

#3. Bibby Financial Services

What it is: Provides a wide range of invoice finance products including factoring and discounting, with established UK presence. Check details.

Key statistics: Funding options typically from £5,000 to over £500,000, with flexible terms. Exact figures not publicly listed.
Specialization: Manufacturing, retail, and trade sectors.
Standout features: Industry experience, broad product range, dedicated account managers.
Limitations or cons: Fees vary, longer onboarding, and less suitable for very small invoices.

#4. Kriya

What it is: Kriya offers invoice factoring services designed for UK SMEs with a focus on friendly customer service and competitive rates. More info.

Key statistics: Funding rates generally up to 85% of invoice value, with approval often quick.
Specialization: Factoring services for sectors including logistics, manufacturing, and wholesale.
Standout features: Fast onboarding, transparent pricing, and flexible contracts.
Limitations or cons: May require recourse agreements, eligibility depends on invoice quality.

#5. Ultimate Finance

What it is: Known for high advance rates and quick processing, Ultimate Finance supports SMEs with invoice funding for growth and cash flow. Visit site.

Key statistics: Offers up to 95% of invoice value, with decisions often within 24 hours.
Specialization: Focuses on small to medium-sized businesses in various sectors.
Standout features: Fast approvals, high funding percentage, no hidden fees.
Limitations or cons: Eligibility depends on creditworthiness and invoice quality.

#6. Growth Lending

What it is: Focused on helping SMEs grow by providing flexible invoice funding, including factoring and discounting. Learn more.

Key statistics: Funding amounts typically from £25,000 to over £500,000, with quick approval processes.
Specialization: Growth-stage SMEs needing customised solutions.
Standout features: Personalised service, fast onboarding, flexible repayment terms.
Limitations or cons: Sector restrictions and eligibility thresholds apply.

#7. Skipton Business Finance

What it is: A well-established provider offering competitive invoice finance solutions for SMEs across the UK. Read more.

Key statistics: Funding from £10,000 to over £2 million with flexible terms.
Specialization: Manufacturing, trade, and retail sectors.
Standout features: Established reputation, personalised service, quick decisions.
Limitations or cons: Longer onboarding process, fees vary.

#8. Metro Bank SME Finance

What it is: An accessible bank offering straightforward invoice funding solutions with fast approvals. Visit site.

Key statistics: Funding up to £500,000, approval often within 48 hours.
Specialization: SMEs across retail, manufacturing, and service sectors.
Standout features: Quick onboarding, transparent fees, dedicated account managers.
Limitations or cons: Limits on maximum borrowing and eligibility criteria.

#9. RBS FacFlow

What it is: Royal Bank of Scotland's invoice financing arm, providing reliable factoring and discounting services in the UK. Learn more.

Key statistics: Funding limits beyond £500,000; stable and secure funding for large invoices.
Specialization: Trade, manufacturing, and wholesale businesses.
Standout features: Backed by RBS, trusted provider, consistent service levels.
Limitations or cons: Larger eligibility thresholds, longer onboarding.

#10. Close Brothers

What it is: An award-winning financial services provider, offering asset finance including invoice funding tailored for UK SMEs. See details.

Key statistics: Recognised as UK’s best asset based lender in 2025, with funding options up to £10 million.
Specialization: Manufacturing, retail, and business services sectors.
Standout features: High funding capacity, industry awards, personalised service.
Limitations or cons: Longer application process, stricter eligibility criteria.

How to choose between invoice finance lenders

Compare total costs, including fees and APR.
Evaluate eligibility, total funding limits, sector fit, and invoice volume thresholds.
Balance speed and flexibility, considering onboarding times and early exit options.
Assess operational compatibility, including integration with your accounting or ERP system.
Understand risk protections, personal guarantees, and recourse options.

Related Guides from Our Site

Conclusion

Each of the lenders listed above offers distinct advantages suited to different SME needs, from quick approvals to large funding capacities. Keep in mind that prices and terms may vary, so compare offers thoroughly. Funding Agent provides one of the easiest and fastest options to secure invoice finance and support your cash flow needs. Use our loan form to explore your options today.

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