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 typically in 5 working days. Aldermore Invoice Finance needs £750k 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
Full reviews: Aldermore Invoice Finance · Bibby Financial Services
| Aldermore Invoice Finance | Bibby Financial Services | |
|---|---|---|
| Product type | Invoice finance (Receivables Finance, factoring, CID) | Invoice finance (factoring, CID, ABL) |
| Min turnover | £750k | £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 |
| Last reviewed | 2026-07-15 | 2026-05-12 |
When Aldermore Invoice Finance wins
- Challenger bank stability with independent-style speed.
- Growth Guarantee Scheme accredited lender (British Business Bank, announced August 2025).
- New Receivables Finance product widens eligibility.
- Sector breadth: manufacturing, wholesale, business services.
Best for
£750k-£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 June 2023 (announced by both firms).
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 £750k-£5m turnover Ltd companies; Bibby Financial Services fits construction subcontractors better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
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 £750k 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.
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-£750k 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.
Related
- Full Aldermore Invoice Finance review
- Full Bibby Financial Services 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
- Rates, advance percentages and product details checked against Aldermore Invoice Finance's own site as of 2026-07-15.
- Rates, advance percentages and product details checked against Bibby Financial Services's own site as of 2026-05-12.
- Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
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Get quotes →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-07-15. Editorial by Best Business Loans Ltd (16833937).
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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; 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 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; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.