Alternatives to White Oak (UK)
The main UK invoice finance alternatives to White Oak (UK) are Ultimate Finance, Time Finance, IGF (Independent Growth Finance) and Aldermore Invoice Finance, compared below on product type, minimum turnover, advance rate, typical fee, setup speed and our overall rating.
Pick the alternative that fixes whatever White Oak (UK) does not do for you: a lower entry point, faster setup, a higher advance or a different product type. More detail + scope
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UK invoice finance alternatives to White Oak (UK), compared on product type, minimum turnover, advance rate, typical rate, setup speed and rating
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In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
White Oak (UK) vs the 4 alternatives
| Compared on | White Oak (UK) | Ultimate Finance | Time Finance | IGF (Independent Growth Finance) | Aldermore Invoice Finance |
|---|---|---|---|---|---|
| Product | Invoice finance, asset finance, business loans | Invoice finance (factoring, CID), bridging, asset finance | Invoice finance, asset finance, vehicle finance | Invoice finance (ABL, CID), asset-based lending | Invoice finance (Receivables Finance, factoring, CID) |
| Cluster | independent | independent | independent | independent | independent |
| Min turnover | £1m | Not published | £250k | £5m | £750k |
| Advance rate | Up to 90% | Up to 95% | Up to 90% | Up to 90% receivables + stock + plant | Up to 90% |
| Typical rate | Negotiated service charge plus discount margin | Quoted per facility (not published) | Not published (quoted per facility) | Bespoke pricing | Not published (quoted per facility) |
| Setup speed | 5 to 10 working days | Within one week (up to 5 working days) | 7 working days | 10 working days | A few days to a few weeks |
| Rating | 4.0 | 4.3 | 4.1 | 4.1 | 4.2 |
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).
IGF (Independent Growth Finance)
10 working days · Up to 90% receivables + stock + plantABL specialist combining invoice finance with stock and plant lending under one facility.
Aldermore Invoice Finance
A few days to a few weeks · Up to 90%Challenger bank (Aldermore Bank plc) offering invoice discounting, factoring and asset-based lending, with advances up to 90% and a £750,000 minimum turnover. Accredited for the Growth Guarantee Scheme.
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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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