Bibby Financial Services vs Touch Financial: 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; Touch Financial advances up to 90% (funder dependent) with setup typically in 3 to 10 working days. Bibby Financial Services needs £100k minimum turnover, Touch Financial has no single minimum; each panel funder sets its own. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Bibby Financial Services · Touch Financial
| Bibby Financial Services | Touch Financial | |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance broker (whole-of-market) |
| Min turnover | £100k | No single minimum; each panel funder sets its own |
| Advance rate | Up to 90% | Up to 90% (funder dependent) |
| Typical fee | 0.5% to 3% service charge plus discount margin | Funder rates; no broker fee to client |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 5 working days | 3 to 10 working days |
| Last reviewed | 2026-05-12 | 2026-07-15 |
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 June 2023 (announced by both firms).
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 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 fit for UK invoice finance in 2026?
Bibby Financial Services is the stronger fit for construction subcontractors; Touch Financial fits SMEs wanting one application sent to several funders better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
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. Bibby Financial Services needs £100k minimum turnover, Touch Financial has no single minimum; each panel funder sets its own. Setup runs 5 working days for Bibby Financial Services and 3 to 10 working days for Touch Financial.
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 (your customers are not notified).
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. 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 Touch Financial review
- 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
- Rates, advance percentages and product details checked against Bibby Financial Services's own site as of 2026-05-12.
- Rates, advance percentages and product details checked against Touch Financial's own site as of 2026-07-15.
- Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
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Get quotes →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-07-15. Editorial by Best Business Loans Ltd (16833937).
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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; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.