Aldermore Invoice Finance vs Touch Financial: UK Invoice Finance Comparison 2026
See how Aldermore Invoice Finance compares to Touch Financial 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. Touch Financial is a broker rather than a lender, so its figures reflect the funders it places you with. Aldermore Invoice Finance advances up to 90%, setup time a few days to a few weeks; Touch Financial advances up to 100% (funder dependent), setup time 1 to 2 working days (funds released). Aldermore Invoice Finance needs £750k minimum turnover, Touch Financial does not publish a minimum turnover figure.
Side-by-side
Full reviews: Aldermore Invoice Finance · Touch Financial
| Compared on | Aldermore Invoice Finance | Touch Financial |
|---|---|---|
| Product type | Invoice finance (Receivables Finance, factoring, CID) | Invoice finance broker (lender panel) |
| Min turnover | £750k | Not published |
| Advance rate | Up to 90% | Up to 100% (funder dependent) |
| Typical fee | Not published (quoted per facility) | Funder rates; no broker fee to client |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | A few days to a few weeks | 1 to 2 working days (funds released) |
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 · Touch Financial: invoice finance (up to 100% of invoice value, funds in 24 to 48 hours, "We are a broker not a lender"), read 28 Oct 2026 · Touch Financial: home page FAQ (established 2008, more than 35 lenders on its panel, average advance 80% to 95%, SFP Brokers Limited FRN 727220), read 28 Oct 2026 · Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 2026
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 Touch Financial wins
- No fee charged to the client; commission paid by the funder.
- Normally recommends two or three funders for you to compare.
- Arranges factoring, invoice discounting and selective (spot) factoring.
Best for
SMEs wanting one application sent to several funders, Businesses unsure which lender fits, Comparison-led buyers.
Watch outs
- A broker, not a lender, so it does not set rates or underwrite directly.
- Final terms and speed depend entirely on the chosen funder.
- The panel does not cover every UK provider.
FAQ
Aldermore Invoice Finance or Touch Financial: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on minimum turnover (Aldermore Invoice Finance: £750k minimum turnover; Touch Financial: minimum turnover not published), and the most they advance (Aldermore Invoice Finance: up to 90%; Touch Financial: up to 100% (funder dependent)), and setup time (Aldermore Invoice Finance: a few days to a few weeks; Touch Financial: 1 to 2 working days (funds released)). Start with the one whose published terms fit your business, then compare a quote from each.
How do Aldermore Invoice Finance and Touch Financial price their facilities?
Pricing: Aldermore Invoice Finance, not published, quoted per facility; Touch Financial, funder rates; no broker fee to client. 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 Touch Financial?
Both Aldermore Invoice Finance and Touch Financial offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
Aldermore Invoice Finance is a poor fit for sub-£750k turnover. Touch Financial is a poor fit for businesses wanting a direct lender relationship. 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 Touch Financial?
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 Touch Financial review
- Aldermore Invoice Finance alternatives
- Touch Financial 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 Touch Financial 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
- Touch Financial: invoice finance (up to 100% of invoice value, funds in 24 to 48 hours, "We are a broker not a lender"), read 28 Oct 2026
- Touch Financial: home page FAQ (established 2008, more than 35 lenders on its panel, average advance 80% to 95%, SFP Brokers Limited FRN 727220), read 28 Oct 2026
- Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 2026
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 Touch Financial 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.