ABC Finance vs Close Brothers Invoice Finance: UK Invoice Finance Comparison 2026

Both operate in UK independent invoice finance, outside the high street banks. They differ on sector focus, headline pricing and the minimum turnover they will consider. ABC Finance advances up to 90% (funder dependent) with setup typically in 3 to 10 working days; Close Brothers Invoice Finance advances up to 90% with setup in 5 working days. ABC Finance sets minimum turnover per funder, Close Brothers Invoice Finance needs £500k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.

Side-by-side

As of 2026-05-27. Headline rates and advance percentages reflect each provider's published or commonly-offered position; bespoke pricing applies above ~£1m ledger so verify before signing.
ABC Finance Close Brothers Invoice Finance
Product type Invoice finance broker (whole-of-market)Invoice finance (CID, factoring, ABL)
Min turnover Varies by funder£500k
Advance rate Up to 90% (funder dependent)Up to 90%
Typical fee Funder rates; commission paid by lenderFrom 0.5% service charge
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days5 working days
Best for Owners wanting one broker for several products; Comparison-led buyers; Property-plus-trading businesses£500k+ turnover Ltd companies; Confidential discounting use cases; Cost-sensitive established trading businesses
Last reviewed 2026-05-272026-05-12

When ABC Finance wins

  • Whole-of-market invoice finance brokering.
  • Also covers bridging, asset and property finance.
  • Commission paid by the funder, not the client.
  • Helpful where a business needs several facility types.

Best for

Owners wanting one broker for several products, Comparison-led buyers, 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 Close Brothers Invoice Finance wins

  • 0.5% headline service charge, market-leading.
  • Merchant banking heritage; FCA regulated under Close Brothers Group plc.
  • Strong on confidential invoice discounting (no customer notification).
  • Published criteria, low headline-to-offered rate gap.

Best for

£500k+ turnover Ltd companies, Confidential discounting use cases, Cost-sensitive established trading businesses.

Watch outs

  • £500k+ minimum turnover excludes earlier-stage businesses.
  • Setup 5 days, fine but no faster than mid-tier competitors.
  • Less aggressive on construction-stage payments than the sector specialists.

FAQ

ABC Finance or Close Brothers Invoice Finance: which is the better fit for UK invoice finance in 2026?

ABC Finance is the stronger fit for owners wanting one broker for several products (minimum turnover set per funder, setup 3 to 10 working days); Close Brothers Invoice Finance fits £500k+ turnover Ltd companies better (£500k minimum turnover, setup 5 working days). The "when X wins" sections above break this down by profile.

What are the headline commercials, ABC Finance vs Close Brothers Invoice Finance?

ABC Finance advances up to 90% (funder dependent) at funder rates; commission paid by lender. Close Brothers Invoice Finance advances up to 90% at from 0.5% service charge. ABC Finance sets minimum turnover per funder, Close Brothers Invoice Finance needs £500k minimum turnover. Setup runs 3 to 10 working days for ABC Finance and 5 working days for Close Brothers Invoice Finance. Bespoke pricing is common above £1m ledger so verify before signing.

Can I get a confidential facility with either ABC Finance or Close Brothers Invoice Finance?

ABC Finance offers confidential invoice discounting (your customers are not notified). Close Brothers Invoice Finance offers confidential invoice discounting (your customers are not notified).

Where does each one struggle?

ABC Finance is the wrong fit for direct-lender relationship preference. Close Brothers Invoice Finance is the wrong fit for sub-£500k turnover. If either describes your business, browse the side-by-side or get matched against the wider UK panel via our quote form.

Can Market Invoice help me choose between ABC Finance and Close Brothers Invoice Finance?

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 will match you against UK invoice finance providers likely to approve, with no obligation to proceed.

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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 MarketFinance / Kriya or to any provider named on this page. If you take out a facility after we introduce you to a lender or broker, we may be paid a commission or referral fee by that party; this is never added to your costs. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative and commonly negotiated above ~£1m ledger, so confirm terms directly with the provider before you sign.

Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).

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