ABC Finance vs Touch Financial: 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; Touch Financial advances up to 90% (funder dependent) with setup in 3 to 10 working days. ABC Finance sets minimum turnover per funder, Touch Financial sets minimum turnover per funder. 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 Touch Financial
Product type Invoice finance broker (whole-of-market)Invoice finance broker (whole-of-market)
Min turnover Varies by funderVaries by funder
Advance rate Up to 90% (funder dependent)Up to 90% (funder dependent)
Typical fee Funder rates; commission paid by lenderFunder rates; no broker fee to client
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days3 to 10 working days
Best for Owners wanting one broker for several products; Comparison-led buyers; Property-plus-trading businessesSMEs wanting one application sent to several funders; Businesses unsure which lender fits; Comparison-led buyers
Last reviewed 2026-05-272026-05-27

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 Touch Financial wins

  • Whole-of-market brokering across a panel of UK invoice finance lenders.
  • No fee charged to the client; commission paid by the funder.
  • Single application routed to multiple providers for comparison.
  • Handles factoring, confidential discounting and selective facilities.

Best for

SMEs wanting one application sent to several funders, Businesses unsure which lender fits, Comparison-led buyers.

Watch outs

  • A broker, not a lender, so it does not set rates or underwrite directly.
  • Final terms and speed depend entirely on the chosen funder.
  • Panel may not include every UK provider.

FAQ

ABC Finance or Touch Financial: 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); Touch Financial fits SMEs wanting one application sent to several funders better (minimum turnover set per funder, setup 3 to 10 working days). The "when X wins" sections above break this down by profile.

What are the headline commercials, ABC Finance vs Touch Financial?

ABC Finance advances up to 90% (funder dependent) at funder rates; commission paid by lender. Touch Financial advances up to 90% (funder dependent) at funder rates; no broker fee to client. ABC Finance sets minimum turnover per funder, Touch Financial sets minimum turnover per funder. Setup runs 3 to 10 working days for ABC Finance and 3 to 10 working days for Touch Financial. Bespoke pricing is common above £1m ledger so verify before signing.

Can I get a confidential facility with either ABC Finance or Touch Financial?

ABC Finance offers confidential invoice discounting (your customers are not notified). Touch Financial 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. Touch Financial is the wrong fit for businesses wanting a direct lender relationship. 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 Touch Financial?

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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