Aldermore Invoice Finance vs Bibby Financial Services: 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. Aldermore Invoice Finance advances up to 90% with setup typically in 7 working days; Bibby Financial Services advances up to 90% with setup in 5 working days. Aldermore Invoice Finance needs £250k minimum turnover, Bibby Financial Services needs £100k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.

Side-by-side

As of 2026-05-12. Headline rates and advance percentages reflect each provider's published or commonly-offered position; bespoke pricing applies above ~£1m ledger so verify before signing.
Aldermore Invoice Finance Bibby Financial Services
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 charge0.5% to 3% service charge plus discount margin
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 7 working days5 working days
Best for £250k-£5m turnover Ltd companies; Cross-product banking relationship seekers; Growth Guarantee eligibleConstruction subcontractors; Recruitment agencies; SME manufacturing
Last reviewed 2026-05-122026-05-12

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 around 7 days, slower than the fastest fintech lenders.
  • Service charge above the cheapest mainstream headline rates.
  • Less specialist than Sonovate for recruitment.

When Bibby Financial Services wins

  • One of the largest UK independent invoice finance providers by volume.
  • Sector-specialist underwriting teams for construction, recruitment, manufacturing.
  • Setup typically around 5 working days for clean-credit cases.
  • Acquired Aldermore's Working Capital Finance division in 2023.

Best for

Construction subcontractors, Recruitment agencies, SME manufacturing.

Watch outs

  • Service charge is negotiable but rarely the cheapest in the mainstream tier.
  • 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 fit for UK invoice finance in 2026?

Aldermore Invoice Finance is the stronger fit for £250k-£5m turnover Ltd companies (£250k minimum turnover, setup 7 working days); Bibby Financial Services fits construction subcontractors better (£100k minimum turnover, setup 5 working days). The "when X wins" sections above break this down by profile.

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. Aldermore Invoice Finance needs £250k minimum turnover, Bibby Financial Services needs £100k minimum turnover. 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 (your customers are not notified).

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. 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: 2026-05-12. Editorial by Best Business Loans Ltd (16833937).

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