Alternatives to Time Finance
The 4 UK alternatives to Time Finance on this page are Aldermore Invoice Finance, IGF (Independent Growth Finance), Novuna Business Finance and Ultimate Finance. The table shows what each one publishes about minimum turnover, advance and fees, next to Time Finance, with a link to each provider's own website.
What this page covers
This page covers
UK invoice finance alternatives to Time Finance, compared on product type, minimum turnover, advance, fees, setup time and our rating
Not covered here
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
Time Finance and the 4 alternatives side by side
| Compared on | Time Finance | Aldermore Invoice Finance | IGF (Independent Growth Finance) | Novuna Business Finance | Ultimate Finance |
|---|---|---|---|---|---|
| Product | Invoice finance, asset finance, vehicle finance | Invoice finance (Receivables Finance, factoring, CID) | Invoice finance (ABL, CID), asset-based lending | Invoice finance, asset finance, vehicle finance | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | Not published | £750k | £5m | Not published | Not published |
| Advance | Up to 90% | Up to 90% | Up to 90% (receivables); stock up to 85%, plant up to 75% | Up to 90% | Up to 95% |
| Fees | Not published | Not published | Not published | Not published | Not published |
| Setup time (our guide) | Not published | A few days to a few weeks | Not published | 1 to 3 working days to funds | Within one week |
| Our rating (out of 5) | 4.1 | 4.2 | 4.1 | 4.2 | 4.3 |
| Source | timefinance.com | aldermore.co.uk | igfgroup.com | novuna.co.uk | ultimatefinance.co.uk |
Minimum turnover, advance and fees are as published on each provider's own website, checked between 1 October 2026 and 14 October 2026. "Not published" means the provider does not say. Setup times are a guide from our records, not a promise from the provider. Ratings are our own view, not a figure from the provider (how we rate providers).
More on each alternative
- Aldermore Invoice Finance: Our Aldermore Invoice Finance profile · Time Finance vs Aldermore Invoice Finance · aldermore.co.uk
- IGF (Independent Growth Finance): Our IGF (Independent Growth Finance) profile · Time Finance vs IGF (Independent Growth Finance) · igfgroup.com
- Novuna Business Finance: Our Novuna Business Finance profile · Time Finance vs Novuna Business Finance · novuna.co.uk
- Ultimate Finance: Our Ultimate Finance profile · Time Finance vs Ultimate Finance · ultimatefinance.co.uk
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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.
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