Bibby Financial Services vs Time Finance: UK Invoice Finance Comparison 2026

See how Bibby Financial Services 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.

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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; Time Finance advances up to 90%, setup time not published. Neither publishes a minimum turnover.

Side-by-side

Full reviews: Bibby Financial Services · Time 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 Time 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 publishedNot 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) · 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 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 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

Bibby Financial Services or Time 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%; Time Finance: up to 90%). Start with the one whose published terms fit your business, then compare a quote from each.

How do Bibby Financial Services and Time 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 Time Finance?

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

Can Market Invoice help me choose between Bibby Financial Services 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 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

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Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .

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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.