Touch Financial vs Ultimate Finance: UK Invoice Finance Comparison 2026
See how Touch Financial compares to Ultimate 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. Touch Financial is a broker rather than a lender, so its figures reflect the funders it places you with. Touch Financial advances up to 100% (funder dependent), setup time 1 to 2 working days (funds released); Ultimate Finance advances up to 95%, setup time within one week. Neither publishes a minimum turnover.
Side-by-side
Full reviews: Touch Financial · Ultimate Finance
| Compared on | Touch Financial | Ultimate Finance |
|---|---|---|
| Product type | Invoice finance broker (lender panel) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | Not published | Not published |
| Advance rate | Up to 100% (funder dependent) | Up to 95% |
| Typical fee | Funder rates; no broker fee to client | Quoted per facility (not published) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 1 to 2 working days (funds released) | Within one week |
Sources for these figures: Touch Financial: invoice finance (up to 100% of invoice value, funds in 24 to 48 hours, "We are a broker not a lender"), read 28 Oct 2026 · Touch Financial: home page FAQ (established 2008, more than 35 lenders on its panel, average advance 80% to 95%, SFP Brokers Limited FRN 727220), read 28 Oct 2026 · Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 2026 · Ultimate Finance: advance rate and setup (facility set up within one week) · Ultimate Finance: founding date · Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
When Touch Financial wins
- No fee charged to the client; commission paid by the funder.
- Normally recommends two or three funders for you to compare.
- Arranges factoring, invoice discounting and selective (spot) factoring.
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.
- The panel does not cover every UK provider.
When Ultimate Finance wins
- Facility set up within one week; funds within 24 hours of invoices once live.
- Funding lines up to £10m.
- 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.
FAQ
Touch Financial or Ultimate Finance: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on the most they advance (Touch Financial: up to 100% (funder dependent); Ultimate Finance: up to 95%), and setup time (Touch Financial: 1 to 2 working days (funds released); Ultimate Finance: within one week). Start with the one whose published terms fit your business, then compare a quote from each.
How do Touch Financial and Ultimate Finance price their facilities?
Pricing: Touch Financial, funder rates; no broker fee to client; Ultimate Finance, not published, quoted 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 Touch Financial or Ultimate Finance?
Both Touch Financial and Ultimate Finance 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 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 pass your details to one of the finance partners we work with, who comes back to you with quotes, with no obligation to proceed.
Related
- Full Touch Financial review
- Full Ultimate Finance review
- Touch Financial alternatives
- Ultimate Finance alternatives
- 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 Touch Financial come from its own website.
- Figures for Ultimate Finance come from its own website.
- Touch Financial: invoice finance (up to 100% of invoice value, funds in 24 to 48 hours, "We are a broker not a lender"), read 28 Oct 2026
- Touch Financial: home page FAQ (established 2008, more than 35 lenders on its panel, average advance 80% to 95%, SFP Brokers Limited FRN 727220), read 28 Oct 2026
- Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 2026
- Ultimate Finance: advance rate and setup (facility set up within one week)
- Ultimate Finance: founding date
- Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We pass your details to one of the finance partners we work with, who 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 Touch Financial and Ultimate Finance quotes
Free, no obligation. Tell us about your business and we pass your details to one of the finance partners we work with, who comes back to you with quotes.
Step 1 of 3 · Your business
Free to you. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. See our privacy policy.
How we make money: Market Invoice is an independent comparison service, not a lender. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. 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. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. 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.