IGF (Independent Growth Finance) 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. IGF (Independent Growth Finance) advances up to 90% receivables + stock + plant with setup typically in 10 working days; Touch Financial advances up to 90% (funder dependent) with setup in 3 to 10 working days. IGF (Independent Growth Finance) needs £500k minimum turnover, Touch Financial sets minimum turnover per funder. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
| IGF (Independent Growth Finance) | Touch Financial | |
|---|---|---|
| Product type | Invoice finance (ABL, CID), asset-based lending | Invoice finance broker (whole-of-market) |
| Min turnover | £500k | Varies by funder |
| Advance rate | Up to 90% receivables + stock + plant | Up to 90% (funder dependent) |
| Typical fee | Bespoke pricing | Funder rates; no broker fee to client |
| Contract / commitment | Whole-ledger or selective | Whole-ledger or selective |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 10 working days | 3 to 10 working days |
| Best for | Mid-market £5m-£50m turnover; Complex ABL needs (receivables + stock); Turnaround and restructure cases | SMEs wanting one application sent to several funders; Businesses unsure which lender fits; Comparison-led buyers |
| Last reviewed | 2026-06-24 | 2026-05-27 |
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 ABL reputation.
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 fit for UK invoice finance in 2026?
IGF (Independent Growth Finance) is the stronger fit for mid-market £5m-£50m turnover (£500k minimum turnover, setup 10 working days); Touch Financial fits SMEs wanting one application sent to several funders better (minimum turnover set per funder, setup 3 to 10 working days). The "when X wins" sections above break this down by profile.
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. IGF (Independent Growth Finance) needs £500k minimum turnover, Touch Financial sets minimum turnover per funder. 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 (your customers are not notified).
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. 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.
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Get quotes →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 and commonly negotiated above ~£1m ledger, so confirm terms directly with the provider before you sign.
Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-06-24. Editorial by Best Business Loans Ltd (16833937).
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