Skipton Business Finance vs Touch Financial: UK Invoice Finance Comparison 2026
See how Skipton Business 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. Skipton Business Finance advances up to 90%, setup time not published; Touch Financial advances up to 100% (funder dependent), setup time 1 to 2 working days (funds released). Skipton Business Finance does not publish a minimum turnover figure, Touch Financial has no single minimum; each panel funder sets its own.
Side-by-side
Full reviews: Skipton Business Finance · Touch Financial
| Compared on | Skipton Business Finance | Touch Financial |
|---|---|---|
| Product type | Invoice finance (CID, factoring, ABL) | Invoice finance broker (lender panel) |
| Min turnover | Not published | No single minimum; each panel funder sets its own |
| Advance rate | Up to 90% | 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: 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) · Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender"
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 Touch Financial wins
- 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
Skipton Business Finance or Touch Financial: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on minimum turnover (Skipton Business Finance: minimum turnover not published; Touch Financial: no single minimum; the panel funder sets it), and the most they advance (Skipton Business Finance: up to 90%; 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 Skipton Business Finance and Touch Financial price their facilities?
Pricing: Skipton Business 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 Skipton Business Finance or Touch Financial?
Both Skipton Business Finance 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 Skipton Business 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 our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full Skipton Business Finance review
- Full Touch Financial review
- 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 Skipton Business Finance come from its own website.
- Figures for Touch Financial 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)
- Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender"
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 Touch Financial 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.