Allianz Trade vs Touch Financial: UK Invoice Finance Comparison 2026
See how Allianz Trade 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?
These are different products rather than like-for-like invoice finance rivals (Allianz Trade: trade credit insurance and bad debt protection; Touch Financial: 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; Touch Financial advances up to 100% (funder dependent), setup time 1 to 2 working days (funds released). Allianz Trade has no turnover minimum as such; eligibility is set by policy underwriting, Touch Financial does not publish a minimum turnover figure.
Side-by-side
Full reviews: Allianz Trade · Touch Financial
| Compared on | Allianz Trade | Touch Financial |
|---|---|---|
| Product type | Trade credit insurance and bad debt protection | Invoice finance broker (lender panel) |
| Min turnover | Set by policy underwriting | Not published |
| Advance rate | N/A (insurance, not advance against ledger) | Up to 100% (funder dependent) |
| Typical fee | Premium as a percentage of insured turnover | Funder rates; no broker fee to client |
| Confidential available? | N/A | Yes |
| Factoring available? | N/A | Yes |
| Setup speed | 1 to 3 weeks (policy underwriting) | 1 to 2 working days (funds released) |
Sources for these figures: 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 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 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
Allianz Trade or Touch Financial: 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 Touch Financial price their facilities?
Pricing: Allianz Trade, premium as a percentage of insured turnover; 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 Allianz Trade or Touch Financial?
Allianz Trade is not an invoice finance facility, so confidential invoice discounting does not apply. Touch Financial 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. 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 Allianz Trade 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 Allianz Trade review
- Full Touch Financial review
- Allianz Trade 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 Allianz Trade come from its own website.
- Figures for Touch Financial come from its own website.
- 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 Allianz Trade and Touch Financial 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.