Bibby Financial Services vs Novuna Business Finance: UK Invoice Finance Comparison 2026

See how Bibby Financial Services compares to Novuna Business 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.

Get my 3 quotes See the comparison

Start here: what fits your business?

Recruitment agencyConstructionWholesaleUnder £500k turnoverConfidential (clients mustn't know)Not sure

Both are UK invoice finance providers outside the high street banks. Bibby Financial Services advances up to 85%, setup time not published; Novuna Business Finance advances up to 90%, setup time 1 to 3 working days to funds. Neither publishes a minimum turnover.

Side-by-side

Full reviews: Bibby Financial Services · Novuna Business Finance

Figures are what each provider publishes on its own website; "Not published" means it gives no figure. Prices are usually set per facility, so check terms before signing.
Compared on Bibby Financial Services Novuna Business Finance
Product type Invoice finance (factoring, CID, ABL)Invoice finance, asset finance, vehicle finance
Min turnover Not publishedNot published
Advance rate Up to 85%Up to 90%
Typical fee Not published (quoted per facility)Not published (quoted per facility)
Confidential available? YesYes
Factoring available? YesYes
Setup speed Not published1 to 3 working days to funds

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) · Novuna Business Finance: advance rate · Novuna Business Finance: setup time · Novuna Business Cash Flow · Novuna invoice finance · Companies House 01630491, Mitsubishi HC Capital UK PLC · Mitsubishi HC Capital UK, Novuna rebrand announcement

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.

When Novuna Business Finance wins

  • Backed by the Mitsubishi HC Capital UK balance sheet.
  • Multi-product cross-sell (IF + asset + vehicle).
  • Long-established UK presence as the former Hitachi Capital UK (rebranded Novuna, February 2022).
  • 6-month trial period before committing to the rolling contract.

Best for

Mid-market Ltd companies, Cross-product (IF + asset) facility seekers, Stable mid-market funders.

Watch outs

  • Three brand names in play (Novuna, Novuna Business Finance, Novuna Business Cash Flow).

FAQ

Bibby Financial Services or Novuna Business Finance: which is the better fit for UK invoice finance in 2026?

On what they publish, they differ on the most they advance (Bibby Financial Services: up to 85%; Novuna Business Finance: up to 90%). Start with the one whose published terms fit your business, then compare a quote from each. Only Novuna Business Finance publishes a setup time (1 to 3 working days to funds).

How do Bibby Financial Services and Novuna Business 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 Bibby Financial Services or Novuna Business Finance?

Both Bibby Financial Services and Novuna Business Finance offer confidential invoice discounting (your customers are not notified).

Can Market Invoice help me choose between Bibby Financial Services and Novuna Business 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

Sources

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 Bibby Financial Services and Novuna Business Finance quotes

Free, no obligation. Tell us about your business and our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes.

Step 1 of 3 · Your business

Start typing and we'll search Companies House.

Free to you: our introduction partner pays us a fixed fee for each introduction, whether or not you go ahead. See our privacy policy.

Free · No obligation · Nothing to pay us

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.