Alternatives to Ultimate Finance
The 4 UK alternatives to Ultimate Finance on this page are Bibby Financial Services, IGF (Independent Growth Finance), Aldermore Invoice Finance and Time Finance. The table shows what each one publishes about minimum turnover, advance and fees, next to Ultimate Finance, with a link to each provider's own website.
What this page covers
This page covers
UK invoice finance alternatives to Ultimate 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/)
Ultimate Finance and the 4 alternatives side by side
| Compared on | Ultimate Finance | Bibby Financial Services | IGF (Independent Growth Finance) | Aldermore Invoice Finance | Time Finance |
|---|---|---|---|---|---|
| Product | Invoice finance (factoring, CID), bridging, asset finance | Invoice finance (factoring, CID, ABL) | Invoice finance (ABL, CID), asset-based lending | Invoice finance (Receivables Finance, factoring, CID) | Invoice finance, asset finance, vehicle finance |
| Min turnover | Not published | Not published | £5m | £750k | Not published |
| Advance | Up to 95% | Up to 85% | Up to 90% (receivables); stock up to 85%, plant up to 75% | Up to 90% | Up to 90% |
| Fees | Not published | Not published | Not published | Not published | Not published |
| Setup time (our guide) | Within one week | Not published | Not published | A few days to a few weeks | Not published |
| Our rating (out of 5) | 4.3 | 4.4 | 4.1 | 4.2 | 4.1 |
| Source | ultimatefinance.co.uk | bibbyfinancialservices.com | igfgroup.com | aldermore.co.uk | timefinance.com |
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
- Bibby Financial Services: Our Bibby Financial Services profile · bibbyfinancialservices.com
- IGF (Independent Growth Finance): Our IGF (Independent Growth Finance) profile · igfgroup.com
- Aldermore Invoice Finance: Our Aldermore Invoice Finance profile · Ultimate Finance vs Aldermore Invoice Finance · aldermore.co.uk
- Time Finance: Our Time Finance profile · Ultimate Finance vs Time Finance · timefinance.com
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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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