Time 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. Time Finance advances up to 90% with setup typically in 7 working days; Touch Financial advances up to 90% (funder dependent) with setup typically in 3 to 10 working days. Time Finance needs £250k minimum turnover, Touch Financial has no single minimum; each panel funder sets its own. Read the side-by-side below, then jump to the "when X wins" sections.

Side-by-side

Full reviews: Time Finance · Touch Financial

As of 2026-07-15. Headline rates and advance percentages reflect each provider's published or commonly-offered position; larger facilities are typically priced bespoke, so verify before signing.
Time Finance Touch Financial
Product type Invoice finance, asset finance, vehicle financeInvoice finance broker (whole-of-market)
Min turnover £250kNo single minimum; each panel funder sets its own
Advance rate Up to 90%Up to 90% (funder dependent)
Typical fee 1.5% to 3% service chargeFunder rates; no broker fee to client
Confidential available? YesYes
Factoring available? YesYes
Setup speed 7 working days3 to 10 working days
Last reviewed 2026-05-122026-07-15

When Time Finance wins

  • AIM-listed independent, financial transparency.
  • Multi-product cross-sell capability.
  • SME-friendly underwriting culture.
  • Gross lending book above £250m (2026, company RNS), a record for the group.

Best for

SME service businesses, Multi-product facility seekers, £250k-£5m turnover.

Watch outs

  • Not the lowest-cost mainstream choice.
  • Less brand presence than the largest mainstream providers.
  • Smaller team than mid-market banks.

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

Time Finance or Touch Financial: which is the better fit for UK invoice finance in 2026?

Time Finance is the stronger fit for SME service businesses; Touch Financial fits SMEs wanting one application sent to several funders better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.

What are the headline commercials, Time Finance vs Touch Financial?

Time Finance advances up to 90% at 1.5% to 3% service charge. Touch Financial advances up to 90% (funder dependent) at funder rates; no broker fee to client. Time Finance needs £250k minimum turnover, Touch Financial has no single minimum; each panel funder sets its own. Setup runs 7 working days for Time Finance and 3 to 10 working days for Touch Financial.

Can I get a confidential facility with either Time Finance or Touch Financial?

Time 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?

Time Finance is the wrong fit for sub-£250k 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 Time 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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Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-07-15. Editorial by Best Business Loans Ltd (16833937).

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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; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.