Skipton Business Finance vs Time Finance: UK Invoice Finance Comparison 2026
See how Skipton Business Finance compares to Time Finance 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. Both advance up to 90%, setup time not published. Neither publishes a minimum turnover.
Side-by-side
Full reviews: Skipton Business Finance · Time Finance
| Compared on | Skipton Business Finance | Time Finance |
|---|---|---|
| Product type | Invoice finance (CID, factoring, ABL) | Invoice finance, asset finance, vehicle finance |
| Min turnover | Not published | Not published |
| Advance rate | Up to 90% | Up to 90% |
| Typical fee | Not published (quoted per facility) | Not published (quoted per facility) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | Not published | Not published |
Sources for these figures: Skipton Business Finance: advance rate · Skipton Select: set-up fee plus a service charge set by turnover band (no figures published) · Skipton: confidential invoice discounting arranged for SMEs with turnover as small as £100k (no formal threshold published) · Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published), funds within 24 hours · Time Finance: confidential invoice discounting (businesses with turnover over £500k "are usually better suited"; no minimum published) · Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
When Skipton Business Finance wins
- Skipton Select: a set-up fee plus a service charge banded by turnover, with no interest charge.
- Part of the Skipton Group, owned by Skipton Building Society.
Best for
Building-society-backed funder preference.
When Time Finance wins
- Pays up to 90% of the invoice value, with funds within 24 hours of the invoice being raised.
- Offers invoice finance, asset finance and loans, and can combine them in one multi-product facility.
- Gross lending book passed £250m in June 2026, its highest yet (company RNS).
Best for
Multi-product facility seekers, Confidential discounting for businesses over £500k turnover.
FAQ
Skipton Business Finance or Time Finance: which is the better fit for UK invoice finance in 2026?
On what they publish, their headline terms are the same, so a quote from each on the same invoices is the only fair way to choose.
How do Skipton Business Finance and Time Finance price their facilities?
Neither publishes its pricing; both quote per facility. Get a written quote from each on the same invoices and compare the total cost.
Can I get a confidential facility with either Skipton Business Finance or Time Finance?
Both Skipton Business Finance and Time Finance offer confidential invoice discounting (your customers are not notified).
Can Market Invoice help me choose between Skipton Business Finance and Time Finance?
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 our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
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- Full Skipton Business Finance review
- Full Time Finance review
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- All UK invoice finance comparisons
- Browse every reviewed UK invoice finance provider
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Sources
- Figures for Skipton Business Finance come from its own website.
- Figures for Time Finance come from its own website.
- Skipton Business Finance: advance rate
- Skipton Select: set-up fee plus a service charge set by turnover band (no figures published)
- Skipton: confidential invoice discounting arranged for SMEs with turnover as small as £100k (no formal threshold published)
- Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published), funds within 24 hours
- Time Finance: confidential invoice discounting (businesses with turnover over £500k "are usually better suited"; no minimum published)
- Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. Our introduction partner, a UK invoice finance provider, handles your enquiry and 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 Skipton Business Finance and Time Finance quotes
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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. 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. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; 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.