IGF (Independent Growth Finance) vs Touch Financial: UK Invoice Finance Comparison 2026
See how IGF (Independent Growth Finance) 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. IGF (Independent Growth Finance) advances up to 90% (receivables); stock up to 85%, plant up to 75%, setup time not published; Touch Financial advances up to 100% (funder dependent), setup time 1 to 2 working days (funds released). IGF (Independent Growth Finance) needs £5m minimum turnover, Touch Financial does not publish a minimum turnover figure.
Side-by-side
Full reviews: IGF (Independent Growth Finance) · Touch Financial
| Compared on | IGF (Independent Growth Finance) | Touch Financial |
|---|---|---|
| Product type | Invoice finance (ABL, CID), asset-based lending | Invoice finance broker (lender panel) |
| Min turnover | £5m | Not published |
| Advance rate | Up to 90% (receivables); stock up to 85%, plant up to 75% | Up to 100% (funder dependent) |
| Typical fee | Bespoke pricing | 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: IGF: up to 90% of trade debtor value, up to 85% of eligible stock, up to 75% of plant and machinery value, facilities £2m to £25m, over £600m under management (March 2025) · IGF: UK businesses with over £5m annual turnover · 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 IGF (Independent Growth Finance) wins
- ABL specialist: receivables + stock + plant under one facility.
- Facilities of £2m to £25m, where monoline IF lenders cap out.
Best for
Businesses over £5m turnover needing £2m or more, Complex ABL needs (receivables + stock), Turnarounds and refinancing (igfgroup.com about page).
Watch outs
- Facilities start around £2m, so smaller SMEs are out of scope.
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
IGF (Independent Growth Finance) or Touch Financial: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on minimum turnover (IGF (Independent Growth Finance): £5m minimum turnover; Touch Financial: minimum turnover not published), and the most they advance (IGF (Independent Growth Finance): up to 90% (receivables); stock up to 85%, plant up to 75%; 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 IGF (Independent Growth Finance) and Touch Financial price their facilities?
Pricing: IGF (Independent Growth Finance), 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 IGF (Independent Growth Finance) or Touch Financial?
Both IGF (Independent Growth Finance) and Touch Financial offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
IGF (Independent Growth Finance) is a poor fit for businesses under £5m turnover. 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 IGF (Independent Growth Finance) 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 IGF (Independent Growth Finance) review
- Full Touch Financial review
- IGF 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 IGF (Independent Growth Finance) come from its own website.
- Figures for Touch Financial come from its own website.
- IGF: up to 90% of trade debtor value, up to 85% of eligible stock, up to 75% of plant and machinery value, facilities £2m to £25m, over £600m under management (March 2025)
- IGF: UK businesses with over £5m annual turnover
- 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 IGF (Independent Growth Finance) 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.