ABC Finance vs Allianz Trade: UK Invoice Finance Comparison 2026
See how ABC Finance compares to Allianz Trade 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?
These are different products rather than like-for-like invoice finance rivals (ABC Finance: invoice finance; Allianz Trade: trade credit insurance and bad debt protection). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. ABC Finance advances up to 95% (funder dependent), setup typically in 10 to 20 working days; Allianz Trade typically takes 1 to 3 weeks (policy underwriting) to set up. ABC Finance has no single minimum; each panel funder sets its own, Allianz Trade has no turnover minimum as such; eligibility is set by policy underwriting. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: ABC Finance · Allianz Trade
| Compared on | ABC Finance | Allianz Trade |
|---|---|---|
| Product type | Commercial finance broker (lender panel) | Trade credit insurance and bad debt protection |
| Min turnover | No single minimum; each panel funder sets its own | Set by policy underwriting |
| Advance rate | Up to 95% (funder dependent) | N/A (insurance, not advance against ledger) |
| Typical fee | Funder rates (ABC publishes market ranges only) | Premium as a percentage of insured turnover |
| Confidential available? | Yes | N/A |
| Factoring available? | Yes | N/A |
| Setup speed | 10 to 20 working days | 1 to 3 weeks (policy underwriting) |
Sources for these figures: ABC Finance: broker with a wide lender panel; market ranges for advances and fees · ABC Finance: process usually takes two to four weeks
When ABC Finance wins
- Invoice finance brokering across a wide lender panel.
- Also covers bridging, asset and property finance.
- Publishes clear guidance on typical market fees and process.
- Helpful where a business needs several facility types.
Best for
Owners wanting one broker for several products, Bridging or commercial mortgage borrowers who also need invoice finance, Property-plus-trading businesses.
Watch outs
- A broker, not a direct lender.
- Underwriting and rate set by the funder.
- Invoice finance is one of many product lines.
When Allianz Trade wins
- One of the world's largest trade credit insurers, with deep debtor risk data.
- Protects against customer insolvency and protracted default.
- Can be added alongside an existing invoice finance facility.
- Strengthens funding terms when a ledger is insured.
Best for
Protecting against customer non-payment, Insuring an existing IF ledger, Exporters managing debtor risk.
Watch outs
- Not invoice finance: it insures debt, it does not advance cash.
- Provides no working capital on its own.
- Premiums and underwriting add cost and lead time.
FAQ
ABC Finance or Allianz Trade: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing. ABC Finance is the stronger fit for owners wanting one broker for several products; Allianz Trade fits protecting against customer non-payment better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do ABC Finance and Allianz Trade price their facilities?
Pricing: ABC Finance, funder rates (ABC publishes market ranges only); Allianz Trade, premium as a percentage of insured turnover. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either ABC Finance or Allianz Trade?
ABC Finance offers confidential invoice discounting (your customers are not notified). Allianz Trade is not an invoice finance facility, so confidential invoice discounting does not apply.
Where does each one struggle?
ABC Finance is the wrong fit for direct-lender relationship preference. Allianz Trade is the wrong fit for businesses that need cash now. If either describes your business, browse the side-by-side or get 3 free quotes through our quote form.
Can Market Invoice help me choose between ABC Finance and Allianz Trade?
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 eCapital, our introduction partner, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full ABC Finance review
- Full Allianz Trade review
- 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
- Rates, advance percentages and product details checked against ABC Finance's own site.
- Rates, advance percentages and product details checked against Allianz Trade's own site.
- ABC Finance: broker with a wide lender panel; market ranges for advances and fees
- ABC Finance: process usually takes two to four weeks
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. eCapital, our introduction partner, handles your enquiry and 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: .
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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. 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. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; 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.