Time Finance Invoice Finance Review

Time Finance plc is an AIM-listed independent finance provider established in 1998, funding approximately £150 million annually. They offer invoice factoring and discounting for UK businesses with turnover from £250,000, advancing up to 90% of approved invoice values. With offices in Bath, Cardiff, Manchester, and Warrington, they provide regional coverage with a relationship-led approach.

Time Finance plc is an AIM-listed independent established in 1998, funding about £150 million annually. It offers factoring and discounting for businesses from £250,000 turnover, advancing up to 90%. More detail + scope

This page covers

Time Finance invoice finance products, minimum turnover, advance rate, annual funding and regional offices

Not covered here

General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)

Key Facts

Service chargeNot published (quoted per facility)
Advance rateUp to 90%
Min turnover£250,000
Annual funding£150m
Established1998
TypeAIM-listed independent

Pros and Cons

Strengths

  • AIM-listed with strong governance and transparency
  • Over 25 years of trading history
  • Regional offices for face-to-face relationship management
  • Cross-sell with asset finance, loans, and vehicle finance

Limitations

  • £250k minimum turnover excludes smaller businesses
  • Less brand recognition than high street banks
  • Fewer digital self-service tools than fintech alternatives
  • No published pricing: the balance is paid "minus our agreed fees", agreed per facility

Our Verdict

Time Finance is a reliable, well-established independent provider with the transparency that comes from being publicly listed. They are best suited to SMEs with £250k-£10m turnover who value a relationship-led approach with regional account management. Their ability to bundle invoice finance with asset finance and loans is a genuine advantage for growing businesses.

Official site: Time Finance

Sources

Figures without a link above, including starting service charges, are Market Invoice research estimates: most providers do not publish a rate card and price each facility individually.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.

AP

Adam Parker

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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Time Finance Invoice Finance FAQ

Is Time Finance a regulated lender?

Yes. Time Finance plc is listed on the AIM market of the London Stock Exchange and is FCA-authorised. They have been trading since 1998 and fund approximately £150 million annually.

What is the minimum turnover for Time Finance?

Time Finance requires a minimum annual turnover of £250,000 for their invoice finance facilities. They serve businesses across a wide range of sectors from their offices in Bath, Cardiff, Manchester, and Warrington.

Does Time Finance offer other products alongside invoice finance?

Yes. Time Finance also offers asset finance, business loans, and vehicle finance. This means they can provide a combined funding package if you need multiple types of finance.