Touch Financial Review

Touch Financial is a UK invoice finance broker, not a lender. It finds you an invoice finance funder from its panel; the funder lends the money and sets the price. Touch says it was established in 2008, has more than 35 lenders on its panel and normally recommends two or three of them (Touch Financial FAQ). It charges the business nothing and is paid commission by the funder you sign with (Touch terms of business).

Key Facts

TypeBroker, not a lender
Lender panelMore than 35 lenders (per Touch)
AdvanceUp to 100%, set by the funder
Cost to youNo broker fee; the funder pays Touch commission
Min turnoverNot published on its site
Funds released24 to 48 hours (per Touch)

Sources, read 28 October 2026: Touch invoice finance (up to 100%, 24 to 48 hours), Touch FAQ (panel, 2008), Touch terms of business (commission).

What the advance figure means

Touch's invoice finance page says you can "release up to 100%" of your invoice value, with funds in 24 to 48 hours (Touch Financial). That is the top of the range, not a promise: the funder decides your advance after it looks at your customers and your sector.

Broker or direct lender

 Touch Financial (broker)A direct lender
Lends the money?NoYes
Sets the price?No, the funder doesYes
How it is paidCommission from the funderYour service charge and discount fee
Who you deal withTouch first, then the funderThe lender throughout

Points for and against

For

  • One application, with two or three funders put forward
  • No fee to the business
  • Arranges factoring, invoice discounting and spot factoring (Touch)

Against

  • Touch does not publish its panel list, so you cannot see which lenders it will try
  • The funder's price includes the commission it pays Touch
  • You still need to check each funder's contract terms yourself

Who it suits

Touch suits a business that does not yet know which invoice finance lender fits its turnover or sector and wants a few offers from one application. If you already know the lender you want, going to that lender direct is simpler.

About the quote form on this page

The quote form on this page is Market Invoice's own form. It is not an application to Touch Financial, and Touch Financial does not receive it. To use Touch, contact it through its own site.

Official site: Touch Financial. Touch Financial is a trading name of SFP Brokers Limited, which its site says is authorised and regulated by the Financial Conduct Authority (FRN 727220).

Sources

Touch Financial does not publish a service charge: each facility is priced individually, so you need a quote. Any other figure without a link above comes from Market Invoice's own provider records.

Related

AP

Adam Parker

Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd

Adam was managing director of Penny, a UK invoice finance business, from July 2020 to November 2023. His career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library. Career record.

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Touch Financial FAQ

Is Touch Financial a lender or a broker?

A broker. Its own site says "We are a broker not a lender" (Touch Financial). It introduces you to invoice finance funders; the funder you sign with lends the money and sets the price. Direct lenders include Aldermore, Bibby Financial Services and Close Brothers.

Does Touch Financial charge the business a fee?

No. Its terms of business say it does not look to you to pay for its broking service, and that it receives commission from the funder you borrow from (Touch terms of business). You pay the funder's own charges. The terms also say you can ask the funder for full details of the commission paid.

How many lenders does Touch Financial work with?

Touch says it has more than 35 lenders on its approved panel and normally recommends two or three of them (Touch Financial FAQ). It does not publish the list. A panel of 35 is not every UK invoice finance provider, so it is worth checking a direct quote too.

What facilities can Touch Financial arrange?

Its invoice finance page covers invoice factoring, invoice discounting and spot or selective factoring (Touch Financial). The advance, price and set-up time come from the funder, not from Touch.

When should I use a broker instead of going direct?

A broker helps when you do not know which lender suits your turnover, sector or customers and want a few offers without filling in several forms. Going direct makes sense when you already know the lender you want. Either way, put the offers side by side before you sign.