Aldermore Invoice Finance vs Ultimate Finance: UK Invoice Finance Comparison 2026
See how Aldermore Invoice Finance compares to Ultimate Finance 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. Aldermore Invoice Finance advances up to 90%, setup time a few days to a few weeks; Ultimate Finance advances up to 95%, setup time within one week. Aldermore Invoice Finance needs £750k minimum turnover, Ultimate Finance does not publish a minimum turnover figure.
Side-by-side
Full reviews: Aldermore Invoice Finance · Ultimate Finance
| Compared on | Aldermore Invoice Finance | Ultimate Finance |
|---|---|---|
| Product type | Invoice finance (Receivables Finance, factoring, CID) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | £750k | Not published |
| Advance rate | Up to 90% | Up to 95% |
| Typical fee | Not published (quoted per facility) | Quoted per facility (not published) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | A few days to a few weeks | Within one week |
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 · Ultimate Finance: advance rate and setup (facility set up within one week) · Ultimate Finance: founding date · Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
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 Ultimate Finance wins
- Facility set up within one week; funds within 24 hours of invoices once live.
- Funding lines up to £10m.
- Multi-product (IF + bridging + asset) under one decision team.
- Flexible on industry, including some construction and recruitment.
Best for
SME urgent setup, Multi-product facility seekers, Hybrid IF + bridging needs.
FAQ
Aldermore Invoice Finance or Ultimate Finance: 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; Ultimate Finance: minimum turnover not published), and the most they advance (Aldermore Invoice Finance: up to 90%; Ultimate Finance: up to 95%), and setup time (Aldermore Invoice Finance: a few days to a few weeks; Ultimate Finance: within one week). Start with the one whose published terms fit your business, then compare a quote from each.
How do Aldermore Invoice Finance and Ultimate Finance price their facilities?
Neither publishes its pricing; both quote per facility. 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 Ultimate Finance?
Both Aldermore Invoice Finance and Ultimate Finance 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. 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 Ultimate Finance?
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 our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full Aldermore Invoice Finance review
- Full Ultimate Finance 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
- Figures for Aldermore Invoice Finance come from its own website.
- Figures for Ultimate Finance 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
- Ultimate Finance: advance rate and setup (facility set up within one week)
- Ultimate Finance: founding date
- Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. Our introduction partner, a UK invoice finance provider, handles your enquiry and 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 Ultimate Finance quotes
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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; 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 Kriya, Allica Bank or to any provider named on this page. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; 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.