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

Bibby Financial Services edges this one in our 2026 UK review at 4.4 of 5 against 4.0 for Touch Financial. Both are UK independent invoice finance providers, freer than banks on covenants and faster on decisioning. The difference is sector specialism, headline rate and minimum turnover floor. Bibby Financial Services advances up to 90% with setup in 5 working days; Touch Financial advances up to 90% (funder dependent) with setup in 3 to 10 working days. Touch Financial still wins where smes wanting one application sent to several funders matters more than the headline score. Read the side-by-side, then check the "when X wins" sections for the buyer-fit logic.

Side-by-side

As of 2026-05-27. Headline rates and advance percentages reflect each provider's published or commonly-offered position; bespoke pricing applies above ~£1m ledger so verify before signing.
Bibby Financial Services Touch Financial
Cluster independentindependent
Product type Invoice finance (factoring, CID, ABL)Invoice finance broker (whole-of-market)
Min turnover £100kVaries by funder
Advance rate Up to 90%Up to 90% (funder dependent)
Typical fee 0.5% to 3% service charge plus discount marginFunder rates; no broker fee to client
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 5 working days3 to 10 working days
Best for Construction subcontractors; Recruitment agencies; SME manufacturingSMEs wanting one application sent to several funders; Businesses unsure which lender fits; Comparison-led buyers
Overall rating 4.4 / 54.0 / 5
Last reviewed 2026-05-122026-05-27

When Bibby Financial Services wins

  • UK independent leader by volume, 9,000+ clients.
  • Sector-specialist underwriting teams for construction, recruitment, manufacturing.
  • Setup faster than high street banks (5 days vs 10-15).
  • Acquired Aldermore Working Capital Finance 2023, broadest UK panel.

Best for

Construction subcontractors, Recruitment agencies, SME manufacturing.

Watch outs

  • Service charge rate negotiable but rarely undercuts Close Brothers headline.
  • Personal guarantee standard for smaller facilities.
  • Larger facilities reviewed by credit committee, slower than fintech.

When Touch Financial wins

  • Whole-of-market brokering across a panel of UK invoice finance lenders.
  • No fee charged to the client; commission paid by the funder.
  • Single application routed to multiple providers for comparison.
  • Handles factoring, confidential discounting and selective facilities.

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.
  • Panel may not include every UK provider.

FAQ

Bibby Financial Services or Touch Financial: which is the better UK invoice finance provider in 2026?

Bibby Financial Services scores higher overall in our 2026 review at 4.4 of 5 versus 4.0 for Touch Financial. That headline does not settle the answer though. Bibby Financial Services is the stronger pick for construction subcontractors; Touch Financial is the stronger pick for smes wanting one application sent to several funders. If your business fits one of those use cases, ignore the rating and pick the right fit.

What are the headline commercials, Bibby Financial Services vs Touch Financial?

Bibby Financial Services advances up to 90% at 0.5% to 3% service charge plus discount margin. Touch Financial advances up to 90% (funder dependent) at funder rates; no broker fee to client. Minimum turnover is £100k for Bibby Financial Services and Varies by funder for Touch Financial. Setup runs 5 working days for Bibby Financial Services and 3 to 10 working days for Touch Financial. Bespoke pricing is common above £1m ledger so verify before signing.

Can I get a confidential facility with either Bibby Financial Services or Touch Financial?

Bibby Financial Services offers confidential invoice discounting (your customers are not notified). Touch Financial offers confidential invoice discounting. If your customer relationships make disclosure a non-starter, that determines the answer regardless of headline rate.

Where does each one struggle?

Bibby Financial Services is the wrong fit for sub-£100k turnover. Touch Financial is the wrong fit for businesses wanting a direct lender relationship. 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 Touch Financial?

Yes. We are an independent UK invoice finance comparison operated by Best Business Loans Ltd (16833937). We are not tied to either provider. Tell us monthly turnover, sector, debtor profile and whether you need the facility confidential. We match you against the UK invoice finance providers most likely to approve at a competitive rate, then stay your editorial reference for life.

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Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).