Bibby Financial Services vs Time Finance: UK Invoice Finance Comparison 2026
Both operate in UK independent invoice finance, outside the high street banks. They differ on sector focus, headline pricing and the minimum turnover they will consider. Bibby Financial Services advances up to 90% with setup typically in 5 working days; Time Finance advances up to 90% with setup in 7 working days. Bibby Financial Services needs £100k minimum turnover, Time Finance needs £250k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
| Bibby Financial Services | Time Finance | |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance, asset finance, vehicle finance |
| Min turnover | £100k | £250k |
| Advance rate | Up to 90% | Up to 90% |
| Typical fee | 0.5% to 3% service charge plus discount margin | 1.5% to 3% service charge |
| Contract / commitment | Whole-ledger or selective | Whole-ledger or selective |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 5 working days | 7 working days |
| Best for | Construction subcontractors; Recruitment agencies; SME manufacturing | SME service businesses; Multi-product facility seekers; £250k-£5m turnover |
| Last reviewed | 2026-05-12 | 2026-05-12 |
When Bibby Financial Services wins
- One of the largest UK independent invoice finance providers by volume.
- Sector-specialist underwriting teams for construction, recruitment, manufacturing.
- Setup typically around 5 working days for clean-credit cases.
- Acquired Aldermore's Working Capital Finance division in 2023.
Best for
Construction subcontractors, Recruitment agencies, SME manufacturing.
Watch outs
- Service charge is negotiable but rarely the cheapest in the mainstream tier.
- Personal guarantee standard for smaller facilities.
- Larger facilities reviewed by credit committee, slower than fintech.
When Time Finance wins
- AIM-listed independent, financial transparency.
- Multi-product cross-sell capability.
- SME-friendly underwriting culture.
- £150m annual funding scale.
Best for
SME service businesses, Multi-product facility seekers, £250k-£5m turnover.
Watch outs
- Not the lowest-cost mainstream choice.
- Less brand presence than the largest mainstream providers.
- Smaller team than mid-market banks.
FAQ
Bibby Financial Services or Time Finance: which is the better fit for UK invoice finance in 2026?
Bibby Financial Services is the stronger fit for construction subcontractors (£100k minimum turnover, setup 5 working days); Time Finance fits SME service businesses better (£250k minimum turnover, setup 7 working days). The "when X wins" sections above break this down by profile.
What are the headline commercials, Bibby Financial Services vs Time Finance?
Bibby Financial Services advances up to 90% at 0.5% to 3% service charge plus discount margin. Time Finance advances up to 90% at 1.5% to 3% service charge. Bibby Financial Services needs £100k minimum turnover, Time Finance needs £250k minimum turnover. Setup runs 5 working days for Bibby Financial Services and 7 working days for Time Finance. Bespoke pricing is common above £1m ledger so verify before signing.
Can I get a confidential facility with either Bibby Financial Services or Time Finance?
Bibby Financial Services offers confidential invoice discounting (your customers are not notified). Time Finance offers confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Bibby Financial Services is the wrong fit for sub-£100k turnover. Time Finance is the wrong fit for sub-£250k turnover. If either describes your business, browse the side-by-side or get matched against the wider UK panel via our quote form.
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 we will match you against UK invoice finance providers likely to approve, with no obligation to proceed.
Related
- Full Bibby Financial Services review
- Full Time Finance review
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- 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
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Get quotes →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 MarketFinance / Kriya or to any provider named on this page. If you take out a facility after we introduce you to a lender or broker, we may be paid a commission or referral fee by that party; 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 and commonly negotiated above ~£1m ledger, so confirm terms directly with the provider before you sign.
Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-12. Editorial by Best Business Loans Ltd (16833937).
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