ABC Finance vs Allianz Trade: UK Invoice Finance Comparison 2026
See how ABC Finance compares to Allianz Trade side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
These are different products rather than like-for-like invoice finance rivals (ABC Finance: invoice finance; Allianz Trade: trade credit insurance and bad debt protection). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. ABC Finance advances up to 95% (funder dependent), setup time 10 to 20 working days; Allianz Trade typically takes 1 to 3 weeks (policy underwriting) to set up. ABC Finance has no single minimum; each panel funder sets its own, Allianz Trade has no turnover minimum as such; eligibility is set by policy underwriting.
Side-by-side
Full reviews: ABC Finance · Allianz Trade
| Compared on | ABC Finance | Allianz Trade |
|---|---|---|
| Product type | Commercial finance broker (lender panel) | Trade credit insurance and bad debt protection |
| Min turnover | No single minimum; each panel funder sets its own | Set by policy underwriting |
| Advance rate | Up to 95% (funder dependent) | N/A (insurance, not advance against ledger) |
| Typical fee | Funder rates (ABC publishes market ranges only) | Premium as a percentage of insured turnover |
| Confidential available? | Yes | N/A |
| Factoring available? | Yes | N/A |
| Setup speed | 10 to 20 working days | 1 to 3 weeks (policy underwriting) |
Sources for these figures: ABC Finance: broker with a wide lender panel; market ranges for advances and fees · ABC Finance: process usually takes two to four weeks
When ABC Finance wins
- Invoice finance brokering across a wide lender panel.
- Also covers bridging, asset and property finance.
- Helpful where a business needs several facility types.
Best for
Owners wanting one broker for several products, Bridging or commercial mortgage borrowers who also need invoice finance, Property-plus-trading businesses.
Watch outs
- A broker, not a direct lender.
- Underwriting and rate set by the funder.
- Invoice finance is one of many product lines.
When Allianz Trade wins
- Protects against customer insolvency and protracted default.
- Can be added alongside an existing invoice finance facility.
- Strengthens funding terms when a ledger is insured.
Best for
Protecting against customer non-payment, Insuring an existing IF ledger, Exporters managing debtor risk.
Watch outs
- Not invoice finance: it insures debt, it does not advance cash.
- Provides no working capital on its own.
- Premiums and underwriting add cost and lead time.
FAQ
ABC Finance or Allianz Trade: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing.
How do ABC Finance and Allianz Trade price their facilities?
Pricing: ABC Finance, funder rates (ABC publishes market ranges only); Allianz Trade, premium as a percentage of insured turnover. Get a written quote from each on the same invoices and compare the total cost.
Can I get a confidential facility with either ABC Finance or Allianz Trade?
ABC Finance offers confidential invoice discounting (your customers are not notified). Allianz Trade is not an invoice finance facility, so confidential invoice discounting does not apply.
Who is each one not suited to?
ABC Finance is a poor fit for direct-lender relationship preference. Allianz Trade is a poor fit for businesses that need cash now. If that describes your business, you can get 3 free quotes through our quote form.
Can Market Invoice help me choose between ABC Finance and Allianz Trade?
Yes. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and we pass your details to one of the finance partners we work with, who comes back to you with quotes, with no obligation to proceed.
Related
- Full ABC Finance review
- Full Allianz Trade review
- ABC Finance alternatives
- Allianz Trade alternatives
- Close Brothers Invoice Finance vs Ultimate Finance
- Aldermore Invoice Finance vs Close Brothers Invoice Finance
- Allianz Trade vs Close Brothers Invoice Finance
- All UK invoice finance comparisons
- Browse every reviewed UK invoice finance provider
- UK invoice finance by region
Sources
- Figures for ABC Finance come from its own website.
- Figures for Allianz Trade come from its own website.
- ABC Finance: broker with a wide lender panel; market ranges for advances and fees
- ABC Finance: process usually takes two to four weeks
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We pass your details to one of the finance partners we work with, who comes back to you with quotes. Free, and no obligation to proceed.
Get my 3 quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
Compare ABC Finance and Allianz Trade quotes
Free, no obligation. Tell us about your business and we pass your details to one of the finance partners we work with, who comes back to you with quotes.
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How we make money: Market Invoice is an independent comparison service, not a lender. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. How we are funded.
Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to Kriya, Allica Bank or to any provider named on this page. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.