Aldermore Invoice Finance vs Bibby Financial Services: UK Invoice Finance Comparison 2026
Bibby Financial Services edges this one in our 2026 UK review at 4.4 of 5 against 4.2 for Aldermore Invoice Finance. Both are UK independent invoice finance providers, freer than banks on covenants and faster on decisioning. The difference is sector specialism, headline rate and minimum turnover floor. Aldermore Invoice Finance advances up to 90% with setup in 7 working days; Bibby Financial Services advances up to 90% with setup in 5 working days. Aldermore Invoice Finance still wins where £250k-£5m turnover ltd companies matters more than the headline score. Read the side-by-side, then check the "when X wins" sections for the buyer-fit logic.
Side-by-side
| Aldermore Invoice Finance | Bibby Financial Services | |
|---|---|---|
| Cluster | independent | independent |
| Product type | Invoice finance (Receivables Finance, factoring, CID) | Invoice finance (factoring, CID, ABL) |
| Min turnover | £250k | £100k |
| Advance rate | Up to 90% | Up to 90% |
| Typical fee | 1% to 2.5% service charge | 0.5% to 3% service charge plus discount margin |
| Contract / commitment | Whole-ledger or selective | Whole-ledger or selective |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 7 working days | 5 working days |
| Best for | £250k-£5m turnover Ltd companies; Cross-product banking relationship seekers; Growth Guarantee eligible | Construction subcontractors; Recruitment agencies; SME manufacturing |
| Overall rating | 4.2 / 5 | 4.4 / 5 |
| Last reviewed | 2026-05-12 | 2026-05-12 |
When Aldermore Invoice Finance wins
- Challenger bank stability with independent-style speed.
- Growth Guarantee Scheme accredited (Aug 2025).
- New Receivables Finance product widens eligibility.
- Sector breadth: manufacturing, wholesale, business services.
Best for
£250k-£5m turnover Ltd companies, Cross-product banking relationship seekers, Growth Guarantee eligible.
Watch outs
- Setup 7 days, slower than Ultimate or Bibby.
- Service charge above Close Brothers headline.
- Less specialist than Sonovate for recruitment.
When Bibby Financial Services wins
- UK independent leader by volume, 9,000+ clients.
- Sector-specialist underwriting teams for construction, recruitment, manufacturing.
- Setup faster than high street banks (5 days vs 10-15).
- Acquired Aldermore Working Capital Finance 2023, broadest UK panel.
Best for
Construction subcontractors, Recruitment agencies, SME manufacturing.
Watch outs
- Service charge rate negotiable but rarely undercuts Close Brothers headline.
- Personal guarantee standard for smaller facilities.
- Larger facilities reviewed by credit committee, slower than fintech.
FAQ
Aldermore Invoice Finance or Bibby Financial Services: which is the better UK invoice finance provider in 2026?
Bibby Financial Services scores higher overall in our 2026 review at 4.4 of 5 versus 4.2 for Aldermore Invoice Finance. That headline does not settle the answer though. Aldermore Invoice Finance is the stronger pick for £250k-£5m turnover ltd companies; Bibby Financial Services is the stronger pick for construction subcontractors. If your business fits one of those use cases, ignore the rating and pick the right fit.
What are the headline commercials, Aldermore Invoice Finance vs Bibby Financial Services?
Aldermore Invoice Finance advances up to 90% at 1% to 2.5% service charge. Bibby Financial Services advances up to 90% at 0.5% to 3% service charge plus discount margin. Minimum turnover is £250k for Aldermore Invoice Finance and £100k for Bibby Financial Services. Setup runs 7 working days for Aldermore Invoice Finance and 5 working days for Bibby Financial Services. Bespoke pricing is common above £1m ledger so verify before signing.
Can I get a confidential facility with either Aldermore Invoice Finance or Bibby Financial Services?
Aldermore Invoice Finance offers confidential invoice discounting (your customers are not notified). Bibby Financial Services offers confidential invoice discounting. If your customer relationships make disclosure a non-starter, that determines the answer regardless of headline rate.
Where does each one struggle?
Aldermore Invoice Finance is the wrong fit for sub-£250k turnover. Bibby Financial Services is the wrong fit for sub-£100k 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 Aldermore Invoice Finance and Bibby Financial Services?
Yes. We are an independent UK invoice finance comparison operated by Best Business Loans Ltd (16833937). We are not tied to either provider. Tell us monthly turnover, sector, debtor profile and whether you need the facility confidential. We match you against the UK invoice finance providers most likely to approve at a competitive rate, then stay your editorial reference for life.
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Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We match you against the UK invoice finance providers most likely to approve at a competitive rate, then stay your editorial reference for life.
Get quotes →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-12. Editorial by Best Business Loans Ltd (16833937).