UK business loans for recruitment
Agencies funding payroll while waiting for end-client invoice payment. Invoice finance dominates this sector and is covered in depth on our sister site MarketInvoice. Specialty bridges fill specific gaps.
Cash-flow shape
Weekly or fortnightly payroll out, monthly invoice in (often 30-60 days). Cash gap proportional to growth rate.
Products that fit
- Invoice finance (factoring or discounting)
- Payroll funding
- Term loans for back-office investment
Top UK lenders for recruitment
- MarketInvoice panel for invoice finance
- iwoca for top-up working capital
- Specialist payroll funders
Typical tickets
£50k to £1m+ funded against debtor book
Watch outs
- Single-client concentration.
- Umbrella-company tax-status risk (post-2026 reforms).
- Thin balance sheet relative to weekly payroll.
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Open our /get-quotes/ matcher →Last reviewed: 2026-04-26.