Allianz Trade vs Time Finance: UK Invoice Finance Comparison 2026
See how Allianz Trade compares to Time 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?
These are different products rather than like-for-like invoice finance rivals (Allianz Trade: trade credit insurance and bad debt protection; Time Finance: 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; Time Finance advances up to 90%, setup time not published. Allianz Trade has no turnover minimum as such; eligibility is set by policy underwriting, Time Finance does not publish a minimum turnover figure.
Side-by-side
Full reviews: Allianz Trade · Time Finance
| Compared on | Allianz Trade | Time Finance |
|---|---|---|
| Product type | Trade credit insurance and bad debt protection | Invoice finance, asset finance, vehicle finance |
| Min turnover | Set by policy underwriting | Not published |
| Advance rate | N/A (insurance, not advance against ledger) | Up to 90% |
| 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: Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published), funds within 24 hours · Time Finance: confidential invoice discounting (businesses with turnover over £500k "are usually better suited"; no minimum published) · Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
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 Time Finance wins
- Pays up to 90% of the invoice value, with funds within 24 hours of the invoice being raised.
- Offers invoice finance, asset finance and loans, and can combine them in one multi-product facility.
- Gross lending book passed £250m in June 2026, its highest yet (company RNS).
Best for
Multi-product facility seekers, Confidential discounting for businesses over £500k turnover.
FAQ
Allianz Trade or Time Finance: 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 Time Finance price their facilities?
Pricing: Allianz Trade, premium as a percentage of insured turnover; Time Finance, 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 Time Finance?
Allianz Trade is not an invoice finance facility, so confidential invoice discounting does not apply. Time Finance 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 Time 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 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 Time Finance review
- Allianz Trade alternatives
- Time Finance 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 Time Finance come from its own website.
- Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published), funds within 24 hours
- Time Finance: confidential invoice discounting (businesses with turnover over £500k "are usually better suited"; no minimum published)
- Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 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 Allianz Trade and Time Finance quotes
Free, no obligation. Tell us about your business and we pass your details to one of the finance partners we work with, who comes back to you with 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.