Alternatives to ABC Finance
The main UK invoice finance alternatives to ABC Finance are Bibby Financial Services, Close Brothers Invoice Finance, Ultimate Finance and Time Finance, compared below on product type, minimum turnover, advance rate, typical fee, setup speed and our overall rating.
Pick the alternative that fixes whatever ABC Finance does not do for you: a lower entry point, faster setup, a higher advance or a different product type. More detail + scope
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
| Compared on | ABC Finance | Bibby Financial Services | Close Brothers Invoice Finance | Ultimate Finance | Time Finance |
|---|---|---|---|---|---|
| Product | Commercial finance broker (lender panel) | 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 | Not published | £750k | Not published | £250k |
| Advance rate | Up to 95% (funder dependent) | Up to 85% | Up to 90% | Up to 95% | Up to 90% |
| Typical rate | Funder rates (ABC publishes market ranges only) | Not published (quoted per facility) | Not published (quoted per facility) | Quoted per facility (not published) | Not published (quoted per facility) |
| Setup speed | 10 to 20 working days | 5 working days | 5 working days | Within one week (up to 5 working days) | 7 working days |
| Rating | 4.0 | 4.4 | 4.5 | 4.3 | 4.1 |
Bibby Financial Services
5 working days · Up to 85%Describes itself as one of Europe's largest independent invoice finance providers, funding over 8,500 businesses; part of the family-owned Bibby Line Group and formed in 1982.
Close Brothers Invoice Finance
5 working days · Up to 90%UK merchant banking heritage, FCA regulated, with a published £750k minimum turnover and advances up to 90%. Each agreement is individually priced; no service charge is published.
Ultimate Finance
Within one week (up to 5 working days) · Up to 95%Facility set up within one week, with funds paid within 24 hours of receiving invoices once live, according to Ultimate Finance. Owned by Tavistock Group.
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).
Get 3 free invoice finance quotes
Tell us about your business. eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.
Get my 3 quotes →Compare ABC Finance alternatives
Free, no obligation. Tell us about your business and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.
Step 1 of 3 · Your business
Free to you: our introduction partner pays us a fixed fee for each introduction, whether or not you go ahead. See our privacy policy.
How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; 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 updated: