Touch Financial vs Ultimate Finance: 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. Touch Financial advances up to 90% (funder dependent) with setup typically in 3 to 10 working days; Ultimate Finance advances up to 90% with setup typically in 3 working days. Touch Financial has no single minimum; each panel funder sets its own, Ultimate Finance needs £100k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.

Side-by-side

Full reviews: Touch Financial · Ultimate Finance

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.
Touch Financial Ultimate Finance
Product type Invoice finance broker (whole-of-market)Invoice finance (factoring, CID), bridging, asset finance
Min turnover No single minimum; each panel funder sets its own£100k
Advance rate Up to 90% (funder dependent)Up to 90%
Typical fee Funder rates; no broker fee to client1.5% to 3.5% service charge
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days3 working days
Last reviewed 2026-07-152026-05-12

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.

When Ultimate Finance wins

  • Setup in 3 working days, among the fastest full-underwriting setups we track.
  • SME-friendly: £100k turnover floor.
  • Multi-product (IF + bridging + asset) under one decision team.
  • Flexible on industry, including some construction and recruitment.

Best for

SME urgent setup, Multi-product facility seekers, Hybrid IF + bridging needs.

Watch outs

  • Service charge rate higher than Close Brothers or Aldermore.
  • Smaller deal-team than the largest independents.
  • Less competitive on £5m+ facilities than mid-market specialists.

FAQ

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

Touch Financial is the stronger fit for SMEs wanting one application sent to several funders; Ultimate Finance fits SME urgent setup 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, Touch Financial vs Ultimate Finance?

Touch Financial advances up to 90% (funder dependent) at funder rates; no broker fee to client. Ultimate Finance advances up to 90% at 1.5% to 3.5% service charge. Touch Financial has no single minimum; each panel funder sets its own, Ultimate Finance needs £100k minimum turnover. Setup runs 3 to 10 working days for Touch Financial and 3 working days for Ultimate Finance.

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

Touch Financial offers confidential invoice discounting (your customers are not notified). Ultimate Finance offers confidential invoice discounting (your customers are not notified).

Where does each one struggle?

Touch Financial is the wrong fit for businesses wanting a direct lender relationship. Ultimate Finance is the wrong fit for lowest-cost facility seekers. 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 Touch Financial and Ultimate 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 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.