ABC Finance Invoice Finance
ABC Finance is a UK finance broker, not a lender. It describes itself as working "with businesses and a wide panel of lenders to find the perfect provider to suit your sector, turnover, and facility requirements" (ABC Finance invoice finance page). It describes itself as a "UK specialist finance broker, arranging property and business finance since 2000" and is authorised by the FCA (registration no. 304671, per its homepage). Invoice finance is one of four product areas it covers.
Because ABC Finance is a broker, the advance rate, fees and minimum turnover you get are set by whichever panel lender takes the case, not by ABC Finance itself. More detail + scope
This page covers
What ABC Finance does, how its invoice finance process works, and when a different route may suit better
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
When ABC Finance Invoice Finance Fits
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Businesses already using ABC Finance for property or other lending
If ABC Finance already arranges your commercial mortgage or bridging, adding an invoice finance search keeps one adviser across your borrowing.
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Owners who do not know which lender suits their sector
A broker can put one set of papers to several lenders rather than you applying to each in turn.
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Businesses weighing factoring against confidential discounting
ABC Finance lists factoring, invoice discounting and selective (spot) finance among the facility types it arranges, so it can compare structures as well as lenders.
When to Look Elsewhere
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Start-ups or businesses invoicing under £15k monthly
Better fit: Sonovate. Sonovate offers selective funding from lower monthly volumes, better suited to early-stage businesses.
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Businesses needing facilities above £3m with multi-currency requirements
Better fit: Close Brothers. Close Brothers operates at larger scale with dedicated international trade finance desks for cross-border invoicing.
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Construction subcontractors invoicing main contractors
Better fit: Pulse Finance. Pulse Finance names construction among its sectors and includes construction finance in its own description of what it does, though it publishes no detail on retentions, payment applications or CIS.
How ABC Finance Invoice Finance Compares
| Provider | Type | Min facility | Fee from | Advance to | Speed |
|---|---|---|---|---|---|
| Ultimate Finance | both | £50k | Not published | 90% | 5-7 days |
| Bibby Financial Services | both | £100k | Not published | 85% | 7-10 days |
| IGF Invoice Finance | both | £2m (£5m+ turnover) | Not published | 90% | 10-14 days |
| Time Finance | both | £25k | Not published | 85% | 3-5 days |
Broker or direct? The lenders in the table above can be approached directly. Going through ABC Finance means the broker chooses which of its panel lenders to approach; it does not change the lender's own criteria. Figures in the table are indicative and should be confirmed with each lender.
What ABC Finance's Own Guides Say About Costs
ABC Finance does not publish a rate card, because pricing depends on the lender. Its invoice finance page gives these market ranges:
- Advances of "up to 80% to 95% of your outstanding invoices", with some specialists going higher
- Service charges usually in the range of 0.5% to 3% of invoice value
- Discount charges typically "between 1.5%-3.5% above the base rate" for established businesses
- Minimum turnover: providers typically look for £250,000 to £500,000, with a few specialist and fintech lenders going as low as £100,000
Setting Up With ABC Finance Invoice Finance
ABC Finance's process and criteria page sets out the route below.
- 1
Initial enquiry and assessment
ABC Finance reviews your business details. It says lenders prefer B2B businesses with at least 6 to 12 months of trading, invoicing UK-registered customers on standard commercial terms.
- 2
Lender proposal and terms
A panel lender offers the advance rate, discount rate, service charge and any other fees.
- 3
Due diligence, set-up and first advance
ABC Finance says the whole process usually takes two to four weeks, after which funding can be available as quickly as 24 hours after raising an invoice.
FAQs
Does ABC Finance lend the money itself?
No. ABC Finance is a broker. The facility, the funds and the contract are with the lender it places you with, so check that lender's terms, notice period and any minimum fees before signing.
Will my customers know I use invoice finance?
That depends on the structure. With factoring the lender collects from your customers; with confidential invoice discounting you keep collecting and customers are not told. ABC Finance arranges both.
Can I finance only some invoices?
ABC Finance lists selective (spot) finance, where you choose individual invoices, alongside whole-ledger facilities.
Our Verdict
ABC Finance is a general finance broker covering property and business lending. It can be a practical route if it already handles your other borrowing. If invoice finance is the only thing you need, compare it with an invoice finance specialist broker or approach lenders directly, since the terms you get always come from the lender.
Official site: ABC Finance
Sources
- ABC Finance: broker with a wide lender panel; market ranges for advances and fees
- ABC Finance: process usually takes two to four weeks
Figures without a link above, including starting service charges, are Market Invoice research estimates: most providers do not publish a rate card and price each facility individually. Checked September 2026.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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