Allianz Trade vs Bibby Financial Services: UK Invoice Finance Comparison 2026
See how Allianz Trade compares to Bibby Financial Services 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?
These are different products rather than like-for-like invoice finance rivals (Allianz Trade: trade credit insurance and bad debt protection; Bibby Financial Services: invoice finance). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. Allianz Trade typically takes 1 to 3 weeks (policy underwriting) to set up; Bibby Financial Services advances up to 95%, setup time not published. Allianz Trade has no turnover minimum as such; eligibility is set by policy underwriting, Bibby Financial Services does not publish a minimum turnover figure.
Side-by-side
Full reviews: Allianz Trade · Bibby Financial Services
| Compared on | Allianz Trade | Bibby Financial Services |
|---|---|---|
| Product type | Trade credit insurance and bad debt protection | Invoice finance (factoring, CID, ABL) |
| Min turnover | Set by policy underwriting | Not published |
| Advance rate | N/A (insurance, not advance against ledger) | Up to 95% |
| Typical fee | Premium as a percentage of insured turnover | Not published (quoted per facility) |
| Confidential available? | N/A | Yes |
| Factoring available? | N/A | Yes |
| Setup speed | 1 to 3 weeks (policy underwriting) | Not published |
Sources for these figures: Bibby Financial Services: advance rate · Bibby Financial Services: founding date · Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
When Allianz Trade wins
- Protects against customer insolvency and protracted default.
- Can be added alongside an existing invoice finance facility.
- Strengthens funding terms when a ledger is insured.
Best for
Protecting against customer non-payment, Insuring an existing IF ledger, Exporters managing debtor risk.
Watch outs
- Not invoice finance: it insures debt, it does not advance cash.
- Provides no working capital on its own.
- Premiums and underwriting add cost and lead time.
When Bibby Financial Services wins
- Sector-specialist underwriting teams for construction, recruitment, manufacturing.
- Acquired Aldermore's Working Capital Finance division in June 2023 (announced by both firms).
Best for
Construction subcontractors, Recruitment agencies, SME manufacturing.
Watch outs
- Personal guarantee standard for smaller facilities.
FAQ
Allianz Trade or Bibby Financial Services: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing.
How do Allianz Trade and Bibby Financial Services price their facilities?
Pricing: Allianz Trade, premium as a percentage of insured turnover; Bibby Financial Services, not published, quoted 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 Allianz Trade or Bibby Financial Services?
Allianz Trade is not an invoice finance facility, so confidential invoice discounting does not apply. Bibby Financial Services offers confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
Allianz Trade is a poor fit for businesses that need cash now. If that describes your business, you can get 3 free quotes through our quote form.
Can Market Invoice help me choose between Allianz Trade 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 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 Allianz Trade review
- Full Bibby Financial Services review
- Allianz Trade alternatives
- Bibby Financial Services 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 Allianz Trade come from its own website.
- Figures for Bibby Financial Services come from its own website.
- Bibby Financial Services: advance rate
- Bibby Financial Services: founding date
- Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
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 Allianz Trade and Bibby Financial Services 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.