Aldermore Invoice Finance vs Allianz Trade: UK Invoice Finance Comparison 2026
See how Aldermore Invoice 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 (Aldermore Invoice 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. Aldermore Invoice Finance advances up to 90%, setup time a few days to a few weeks; Allianz Trade typically takes 1 to 3 weeks (policy underwriting) to set up. Aldermore Invoice Finance needs £750k minimum turnover, Allianz Trade has no turnover minimum as such; eligibility is set by policy underwriting.
Side-by-side
Full reviews: Aldermore Invoice Finance · Allianz Trade
| Compared on | Aldermore Invoice Finance | Allianz Trade |
|---|---|---|
| Product type | Invoice finance (Receivables Finance, factoring, CID) | Trade credit insurance and bad debt protection |
| Min turnover | £750k | Set by policy underwriting |
| Advance rate | Up to 90% | N/A (insurance, not advance against ledger) |
| Typical fee | Not published (quoted per facility) | Premium as a percentage of insured turnover |
| Confidential available? | Yes | N/A |
| Factoring available? | Yes | N/A |
| Setup speed | A few days to a few weeks | 1 to 3 weeks (policy underwriting) |
Sources for these figures: Aldermore Invoice Finance: advance rate · Aldermore Invoice Finance: minimum turnover, setup timescale, Growth Guarantee Scheme, funds typically within 24 hours; offers discounting (can be confidential), factoring and asset based lending · Bibby Financial Services acquires Aldermore's Working Capital Finance division (26 June 2023); that division's clients moved to Bibby
When Aldermore Invoice Finance wins
- Accredited to offer the Growth Guarantee Scheme (per Aldermore).
- Funds typically within 24 hours, according to Aldermore.
- Offers invoice discounting (which can be confidential), factoring and asset based lending.
Best for
Businesses with £750k+ turnover, Cross-product banking relationship seekers, Growth Guarantee eligible.
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
Aldermore Invoice 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 Aldermore Invoice Finance and Allianz Trade price their facilities?
Pricing: Aldermore Invoice Finance, not published, quoted per facility; 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 Aldermore Invoice Finance or Allianz Trade?
Aldermore Invoice 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?
Aldermore Invoice Finance is a poor fit for sub-£750k turnover. 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 Aldermore Invoice 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 Aldermore Invoice Finance review
- Full Allianz Trade review
- Aldermore Invoice 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 Aldermore Invoice Finance come from its own website.
- Figures for Allianz Trade come from its own website.
- Aldermore Invoice Finance: advance rate
- Aldermore Invoice Finance: minimum turnover, setup timescale, Growth Guarantee Scheme, funds typically within 24 hours; offers discounting (can be confidential), factoring and asset based lending
- Bibby Financial Services acquires Aldermore's Working Capital Finance division (26 June 2023); that division's clients moved to Bibby
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 Aldermore Invoice 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.