Bibby Financial Services vs Touch Financial: UK Invoice Finance Comparison 2026
See how Bibby Financial Services compares to Touch Financial 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.
Start here: what fits your business?
Both are UK invoice finance providers outside the high street banks. Touch Financial is a broker rather than a lender, so its figures reflect the funders it places you with. Bibby Financial Services advances up to 95%, setup time not published; Touch Financial advances up to 100% (funder dependent), setup time 1 to 2 working days (funds released). Neither publishes a minimum turnover.
Side-by-side
Full reviews: Bibby Financial Services · Touch Financial
| Compared on | Bibby Financial Services | Touch Financial |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance broker (lender panel) |
| Min turnover | Not published | Not published |
| Advance rate | Up to 95% | Up to 100% (funder dependent) |
| Typical fee | Not published (quoted per facility) | Funder rates; no broker fee to client |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | Not published | 1 to 2 working days (funds released) |
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) · Touch Financial: invoice finance (up to 100% of invoice value, funds in 24 to 48 hours, "We are a broker not a lender"), read 28 Oct 2026 · Touch Financial: home page FAQ (established 2008, more than 35 lenders on its panel, average advance 80% to 95%, SFP Brokers Limited FRN 727220), read 28 Oct 2026 · Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 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 Touch Financial wins
- No fee charged to the client; commission paid by the funder.
- Normally recommends two or three funders for you to compare.
- Arranges factoring, invoice discounting and selective (spot) factoring.
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.
- The panel does not cover every UK provider.
FAQ
Bibby Financial Services or Touch Financial: 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 95%; Touch Financial: up to 100% (funder dependent)). Start with the one whose published terms fit your business, then compare a quote from each. Only Touch Financial publishes a setup time (1 to 2 working days (funds released)).
How do Bibby Financial Services and Touch Financial price their facilities?
Pricing: Bibby Financial Services, not published, quoted per facility; Touch Financial, funder rates; no broker fee to client. 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 Touch Financial?
Both Bibby Financial Services and Touch Financial offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
Touch Financial is a poor fit for businesses wanting a direct lender relationship. If that describes your business, you can get 3 free quotes through 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 pass your details to one of the finance partners we work with, who comes back to you with quotes, with no obligation to proceed.
Related
- Full Bibby Financial Services review
- Full Touch Financial review
- Bibby Financial Services alternatives
- Touch Financial alternatives
- 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
- Figures for Bibby Financial Services come from its own website.
- Figures for Touch Financial come from its own website.
- Bibby Financial Services: advance rate
- Bibby Financial Services: founding date
- Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
- Touch Financial: invoice finance (up to 100% of invoice value, funds in 24 to 48 hours, "We are a broker not a lender"), read 28 Oct 2026
- Touch Financial: home page FAQ (established 2008, more than 35 lenders on its panel, average advance 80% to 95%, SFP Brokers Limited FRN 727220), read 28 Oct 2026
- Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 2026
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We pass your details to one of the finance partners we work with, who 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 Touch Financial quotes
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How we make money: Market Invoice is an independent comparison service, not a lender. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. 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. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. 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.