Time Finance Invoice Finance Review
Time Finance plc is an AIM-listed independent finance provider established in 1998, funding approximately £150 million annually. They offer invoice factoring and discounting for UK businesses with turnover from £250,000, advancing up to 90% of approved invoice values. With offices in Bath, Cardiff, Manchester, and Warrington, they provide regional coverage with a relationship-led approach.
Key Facts
Pros and Cons
Strengths
- AIM-listed with strong governance and transparency
- Over 25 years of trading history
- Regional offices for face-to-face relationship management
- Cross-sell with asset finance, loans, and vehicle finance
Limitations
- £250k minimum turnover excludes smaller businesses
- Less brand recognition than high street banks
- Fewer digital self-service tools than fintech alternatives
Our Verdict
Time Finance is a reliable, well-established independent provider with the transparency that comes from being publicly listed. They are best suited to SMEs with £250k-£10m turnover who value a relationship-led approach with regional account management. Their ability to bundle invoice finance with asset finance and loans is a genuine advantage for growing businesses.
Oliver Mackman
Director, Market Invoice
Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 7 April 2026