IGF (Independent Growth Finance) vs Touch Financial: UK Invoice Finance Comparison 2026

IGF (Independent Growth Finance) edges this one in our 2026 UK review at 4.1 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. IGF (Independent Growth Finance) advances up to 90% receivables + stock + plant with setup in 10 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.
IGF (Independent Growth Finance) Touch Financial
Cluster independentindependent
Product type Invoice finance (ABL, CID), asset-based lendingInvoice finance broker (whole-of-market)
Min turnover £500kVaries by funder
Advance rate Up to 90% receivables + stock + plantUp to 90% (funder dependent)
Typical fee Bespoke pricingFunder rates; no broker fee to client
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 10 working days3 to 10 working days
Best for Mid-market £5m-£50m turnover; Complex ABL needs (receivables + stock); Turnaround and restructure casesSMEs wanting one application sent to several funders; Businesses unsure which lender fits; Comparison-led buyers
Overall rating 4.1 / 54.0 / 5
Last reviewed 2026-05-122026-05-27

When IGF (Independent Growth Finance) wins

  • ABL specialist: receivables + stock + plant under one facility.
  • Mid-market deals to £25m, where monoline IF lenders cap out.
  • Flexible covenant negotiation.
  • Established mid-market reputation since 2001.

Best for

Mid-market £5m-£50m turnover, Complex ABL needs (receivables + stock), Turnaround and restructure cases.

Watch outs

  • Pricing bespoke, not transparent in marketing.
  • Setup 10 days, slower than monoline IF.
  • £500k+ minimum excludes smaller SMEs.

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

IGF (Independent Growth Finance) or Touch Financial: which is the better UK invoice finance provider in 2026?

IGF (Independent Growth Finance) scores higher overall in our 2026 review at 4.1 of 5 versus 4.0 for Touch Financial. That headline does not settle the answer though. IGF (Independent Growth Finance) is the stronger pick for mid-market £5m-£50m turnover; 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, IGF (Independent Growth Finance) vs Touch Financial?

IGF (Independent Growth Finance) advances up to 90% receivables + stock + plant at bespoke pricing. Touch Financial advances up to 90% (funder dependent) at funder rates; no broker fee to client. Minimum turnover is £500k for IGF (Independent Growth Finance) and Varies by funder for Touch Financial. Setup runs 10 working days for IGF (Independent Growth Finance) 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 IGF (Independent Growth Finance) or Touch Financial?

IGF (Independent Growth Finance) 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?

IGF (Independent Growth Finance) is the wrong fit for sub-£500k 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 IGF (Independent Growth Finance) 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).