Touch Financial Review
Market Invoice is an independent UK invoice finance comparison site. Touch Financial is a broker, not a lender, and this page explains what that means for you.
Touch Financial is a long-established UK invoice finance broker rather than a direct lender. It matches businesses to factoring and invoice discounting facilities across a panel of UK funders, routing one application to several providers, and is paid a commission by the lender rather than a fee from the client. Advance rates of up to 90% and the final terms depend entirely on the funder you are matched with. Setup typically takes three to ten working days.
Last updated: 2 June 2026.
Touch Financial is a UK invoice finance broker, not a lender. It matches businesses to factoring and invoice discounting facilities across a panel of funders and is paid commission by the lender, not a fee by the client. More detail + scope
Summary
Touch Financial is a whole-of-market invoice finance broker. It routes one application across a panel of UK funders so businesses can compare factoring, confidential discounting and selective facilities, with advance rates up to 90% depending on the chosen funder. It does not set rates or underwrite directly. No fee is charged to the client; the funder pays commission. It suits SMEs unsure which lender fits.
This page covers
What Touch Financial is, how the whole-of-market broker model works, how it is paid, what facilities it can arrange, and when to use a broker versus going direct.
Not covered here
Touch Financial is an intermediary, not a lender. For direct lenders see /providers/; for product education see /guides/. Final rates and terms are set by the matched funder.
Key Facts
What Touch Financial actually is
Touch Financial is an intermediary. It does not fund your invoices, set rates or carry the credit risk. Its role is to understand your business, then route a single application across a panel of UK invoice finance lenders and bring back terms for you to compare. That is the whole-of-market broker model: one form, several quotes, no obligation to take any of them. It is a long-established name in the UK invoice finance market, and a useful starting point for SMEs that do not yet know which lender fits.
Because it is a broker, the things that matter most to you (the advance rate, the service charge, the speed of setup and the day-to-day relationship) are all decided by the funder you ultimately choose, not by Touch Financial. The broker adds value in the matching and the comparison, not in the funding itself.
How a broker differs from a direct lender
A direct lender funds your ledger from its own balance sheet, sets its own rates, underwrites the facility and manages it. A broker introduces you to those lenders. The practical difference is who you contract with and who you talk to: with a direct lender you deal with the funder throughout, while with a broker you deal with the intermediary up front and the funder afterwards.
| Touch Financial (broker) | A direct lender | |
|---|---|---|
| Funds the invoices? | No, introduces you | Yes, from own balance sheet |
| Sets the rate? | No, funder does | Yes |
| How it is paid | Commission from funder | Service charge and discount fee |
| Best when | You want options compared | You know your preferred lender |
Strengths and limitations
Strengths
- Whole-of-market brokering across a panel of UK lenders
- No fee charged to the client; commission paid by the funder
- One application routed to several providers for comparison
- Handles factoring, confidential discounting and selective facilities
Limitations
- A broker, not a lender, so it does not set rates or underwrite
- Final terms and speed depend entirely on the chosen funder
- The panel may not include every UK provider
- Best to compare the brokered offer against a direct quote
Who is Touch Financial best for?
Touch Financial suits SMEs that want one application sent to several funders, businesses that are unsure which lender fits their turnover and sector, and comparison-led buyers who would rather weigh a few quotes than approach lenders one by one. It is a weaker fit if you want a direct lender relationship from the outset, or if you already know your preferred funder and would rather contract with them directly.
Our position
Touch Financial is a credible, long-standing broker, and brokering is a legitimate way to reach the invoice finance market. The thing to keep in mind is that the lender, not the broker, decides what you pay and how the facility runs. Market Invoice is an independent comparison site, so our advice is simple: whether you start with a broker or go direct, compare the actual funder terms side by side before you commit.
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: 2 June 2026