Alternatives to ABC Finance
4 UK invoice finance alternatives to ABC Finance, compared on advance rate, setup speed, transparency, minimum turnover and best-fit.
The leading UK invoice finance alternatives to ABC Finance are Bibby Financial Services, Close Brothers Invoice Finance, Ultimate Finance and Time Finance, compared here on advance rate, setup speed, minimum turnover and rating. More detail + scope
Summary
ABC Finance is benchmarked against 4 UK invoice finance alternatives: Bibby Financial Services, Close Brothers Invoice Finance, Ultimate Finance and Time Finance. Each is compared on product type, minimum turnover, advance rate, typical rate, setup speed and overall rating, so you can see which fits your turnover and how fast you need funding. MarketInvoice then matches you to the best-fit provider.
This page covers
UK invoice finance alternatives to ABC Finance, compared on product type, minimum turnover, advance rate, typical rate, setup speed and rating
Not covered here
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
ABC Finance vs the 4 alternatives
| ABC Finance | Bibby Financial Services | Close Brothers Invoice Finance | Ultimate Finance | Time Finance | |
|---|---|---|---|---|---|
| Product | Invoice finance broker (whole-of-market) | Invoice finance (factoring, CID, ABL) | Invoice finance (CID, factoring, ABL) | Invoice finance (factoring, CID), bridging, asset finance | Invoice finance, asset finance, vehicle finance |
| Cluster | independent | independent | independent | independent | independent |
| Min turnover | Varies by funder | £100k | £500k | Not published | £250k |
| Advance rate | Up to 90% (funder dependent) | Up to 90% | Up to 90% | Up to 95% | Up to 90% |
| Typical rate | Funder rates; commission paid by lender | 0.5% to 3% service charge plus discount margin | From 0.5% service charge | Quoted per facility (not published) | 1.5% to 3% service charge |
| Setup speed | 3 to 10 working days | 5 working days | 5 working days | 3 working days | 7 working days |
| Rating | 4.0 | 4.4 | 4.5 | 4.3 | 4.1 |
Bibby Financial Services
5 working days · Up to 90%The largest UK independent invoice finance provider by volume, family-owned, 40+ years in market. Strong on sector breadth (construction, recruitment, manufacturing, wholesale) and SME accessibility. Setup typically 5 wo
Close Brothers Invoice Finance
5 working days · Up to 90%UK merchant banking heritage with 0.5% headline service charge, undercutting most banks and most independents. Strong on transparency, dated published criteria, FCA regulated. Best fit for £500k+ turnover trading busines
Ultimate Finance
3 working days · Up to 95%One of the fastest mainstream UK invoice finance setups we track, 3 working days typical. Owned by Tavistock Group. Strong on SME accessibility, flexible underwriting, and broader product set (also asset finance + bridgi
Time Finance
7 working days · Up to 90%AIM-listed UK independent specialist lender whose gross lending book passed £250m in 2026 (company RNS). Multi-product (IF + asset + loans). Mid-market SME focus. Mid-cost mid-speed mainstream choice. Strong panel for B2
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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. How we are funded.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
Last reviewed: 15 July 2026