ABC Finance vs Ultimate Finance: UK Invoice Finance Comparison 2026
See how ABC Finance compares to Ultimate 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 10 to 20 working days; Ultimate Finance advances up to 95%, setup time within one week. ABC Finance has no single minimum; each panel funder sets its own, Ultimate Finance does not publish a minimum turnover figure.
Side-by-side
Full reviews: ABC Finance · Ultimate Finance
| Compared on | ABC Finance | Ultimate Finance |
|---|---|---|
| Product type | Commercial finance broker (lender panel) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | No single minimum; each panel funder sets its own | Not published |
| Advance rate | Up to 95% (funder dependent) | Up to 95% |
| Typical fee | Funder rates (ABC publishes market ranges only) | Quoted per facility (not published) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 10 to 20 working days | Within one week |
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 · Ultimate Finance: advance rate and setup (facility set up within one week) · Ultimate Finance: founding date · Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
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 Ultimate Finance wins
- Facility set up within one week; funds within 24 hours of invoices once live.
- Funding lines up to £10m.
- Multi-product (IF + bridging + asset) under one decision team.
- Flexible on industry, including some construction and recruitment.
Best for
SME urgent setup, Multi-product facility seekers, Hybrid IF + bridging needs.
FAQ
ABC Finance or Ultimate 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; Ultimate Finance: minimum turnover not published), and the most they advance (ABC Finance: up to 95% (funder dependent); Ultimate Finance: up to 95%), and setup time (ABC Finance: 10 to 20 working days; Ultimate Finance: within one week). Start with the one whose published terms fit your business, then compare a quote from each.
How do ABC Finance and Ultimate Finance price their facilities?
Pricing: ABC Finance, funder rates (ABC publishes market ranges only); Ultimate 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 Ultimate Finance?
Both ABC Finance and Ultimate Finance offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
ABC Finance is a poor fit for direct-lender relationship preference. 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 Ultimate 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 our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full ABC Finance review
- Full Ultimate Finance review
- 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 Ultimate 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
- Ultimate Finance: advance rate and setup (facility set up within one week)
- Ultimate Finance: founding date
- Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. Our introduction partner, a UK invoice finance provider, handles your enquiry and 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 Ultimate Finance quotes
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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. 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. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; 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; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.