ABC Finance vs IGF (Independent Growth Finance): UK Invoice Finance Comparison 2026
See how ABC Finance compares to IGF (Independent Growth Finance) 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?
Both are UK invoice finance providers outside the high street banks. ABC Finance is a broker rather than a lender, so its figures reflect the funders it places you with. ABC Finance advances up to 95% (funder dependent), setup time two to four weeks; IGF (Independent Growth Finance) advances up to 90% (receivables); stock up to 85%, plant up to 75%, setup time not published. ABC Finance has no single minimum; each panel funder sets its own, IGF (Independent Growth Finance) needs £5m minimum turnover.
Side-by-side
Full reviews: ABC Finance · IGF (Independent Growth Finance)
| Compared on | ABC Finance | IGF (Independent Growth Finance) |
|---|---|---|
| Product type | Commercial finance broker (lender panel) | Invoice finance (ABL, CID), asset-based lending |
| Min turnover | No single minimum; each panel funder sets its own | £5m |
| Advance rate | Up to 95% (funder dependent) | Up to 90% (receivables); stock up to 85%, plant up to 75% |
| Typical fee | Funder rates (ABC publishes market ranges only) | Bespoke pricing |
| Confidential available? | Yes | Not stated |
| Factoring available? | Yes | No |
| Setup speed | Two to four weeks | Not published |
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 · IGF: up to 90% of trade debtor value, up to 85% of eligible stock, up to 75% of plant and machinery value, facilities £2m to £25m, over £600m under management (March 2025) · IGF: UK businesses with over £5m annual turnover
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 IGF (Independent Growth Finance) wins
- ABL specialist: receivables + stock + plant under one facility.
- Facilities of £2m to £25m, where monoline IF lenders cap out.
Best for
Businesses over £5m turnover needing £2m or more, Complex ABL needs (receivables + stock), Turnarounds and refinancing (igfgroup.com about page).
Watch outs
- Facilities start around £2m, so smaller SMEs are out of scope.
FAQ
ABC Finance or IGF (Independent Growth Finance): which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on minimum turnover (ABC Finance: no single minimum; the panel funder sets it; IGF (Independent Growth Finance): £5m minimum turnover), and the most they advance (ABC Finance: up to 95% (funder dependent); IGF (Independent Growth Finance): up to 90% (receivables); stock up to 85%, plant up to 75%), and factoring (ABC Finance offers it, IGF (Independent Growth Finance) does not). Start with the one whose published terms fit your business, then compare a quote from each. Only ABC Finance publishes a setup time (two to four weeks).
How do ABC Finance and IGF (Independent Growth Finance) price their facilities?
Pricing: ABC Finance, funder rates (ABC publishes market ranges only); IGF (Independent Growth Finance), not published, quoted per facility. 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 IGF (Independent Growth Finance)?
ABC Finance offers confidential invoice discounting (your customers are not notified). IGF (Independent Growth Finance)'s own invoice finance page does not say whether the facility is confidential, so ask when you get a quote.
Who is each one not suited to?
ABC Finance is a poor fit for direct-lender relationship preference. IGF (Independent Growth Finance) is a poor fit for businesses under £5m turnover. If that describes your business, you can get free quotes through our quote form.
Can Market Invoice help me choose between ABC Finance and IGF (Independent Growth 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 pass your details to one or more of the finance partners we work with, who come back to you with quotes, with no obligation to proceed.
Related
- Full ABC Finance review
- Full IGF (Independent Growth Finance) review
- ABC Finance alternatives
- IGF 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 IGF (Independent Growth Finance) 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
- IGF: up to 90% of trade debtor value, up to 85% of eligible stock, up to 75% of plant and machinery value, facilities £2m to £25m, over £600m under management (March 2025)
- IGF: UK businesses with over £5m annual turnover
Get free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We pass your details to one or more of the finance partners we work with, who come back to you with quotes. Free, and no obligation to proceed.
Get my quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
Compare ABC Finance and IGF (Independent Growth Finance) 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.