ABC Finance vs IGF (Independent Growth Finance): UK Invoice Finance Comparison 2026

IGF (Independent Growth Finance) edges this one in our 2026 UK review at 4.1 of 5 against 4.0 for ABC Finance. Both are UK independent invoice finance providers, freer than banks on covenants and faster on decisioning. The difference is sector specialism, headline rate and minimum turnover floor. ABC Finance advances up to 90% (funder dependent) with setup in 3 to 10 working days; IGF (Independent Growth Finance) advances up to 90% receivables + stock + plant with setup in 10 working days. ABC Finance still wins where owners wanting one broker for several products matters more than the headline score. Read the side-by-side, then check the "when X wins" sections for the buyer-fit logic.

Side-by-side

As of 2026-05-27. Headline rates and advance percentages reflect each provider's published or commonly-offered position; bespoke pricing applies above ~£1m ledger so verify before signing.
ABC Finance IGF (Independent Growth Finance)
Cluster independentindependent
Product type Invoice finance broker (whole-of-market)Invoice finance (ABL, CID), asset-based lending
Min turnover Varies by funder£500k
Advance rate Up to 90% (funder dependent)Up to 90% receivables + stock + plant
Typical fee Funder rates; commission paid by lenderBespoke pricing
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days10 working days
Best for Owners wanting one broker for several products; Comparison-led buyers; Property-plus-trading businessesMid-market £5m-£50m turnover; Complex ABL needs (receivables + stock); Turnaround and restructure cases
Overall rating 4.0 / 54.1 / 5
Last reviewed 2026-05-272026-05-12

When ABC Finance wins

  • Whole-of-market invoice finance brokering.
  • Also covers bridging, asset and property finance.
  • Commission paid by the funder, not the client.
  • Helpful where a business needs several facility types.

Best for

Owners wanting one broker for several products, Comparison-led buyers, 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 IGF (Independent Growth Finance) wins

  • ABL specialist: receivables + stock + plant under one facility.
  • Mid-market deals to £25m, where monoline IF lenders cap out.
  • Flexible covenant negotiation.
  • Established mid-market reputation since 2001.

Best for

Mid-market £5m-£50m turnover, Complex ABL needs (receivables + stock), Turnaround and restructure cases.

Watch outs

  • Pricing bespoke, not transparent in marketing.
  • Setup 10 days, slower than monoline IF.
  • £500k+ minimum excludes smaller SMEs.

FAQ

ABC Finance or IGF (Independent Growth Finance): which is the better UK invoice finance provider in 2026?

IGF (Independent Growth Finance) scores higher overall in our 2026 review at 4.1 of 5 versus 4.0 for ABC Finance. That headline does not settle the answer though. ABC Finance is the stronger pick for owners wanting one broker for several products; IGF (Independent Growth Finance) is the stronger pick for mid-market £5m-£50m turnover. If your business fits one of those use cases, ignore the rating and pick the right fit.

What are the headline commercials, ABC Finance vs IGF (Independent Growth Finance)?

ABC Finance advances up to 90% (funder dependent) at funder rates; commission paid by lender. IGF (Independent Growth Finance) advances up to 90% receivables + stock + plant at bespoke pricing. Minimum turnover is Varies by funder for ABC Finance and £500k for IGF (Independent Growth Finance). Setup runs 3 to 10 working days for ABC Finance and 10 working days for IGF (Independent Growth Finance). Bespoke pricing is common above £1m ledger so verify before signing.

Can I get a confidential facility with either ABC Finance or IGF (Independent Growth Finance)?

ABC Finance offers confidential invoice discounting (your customers are not notified). IGF (Independent Growth Finance) offers confidential invoice discounting. If your customer relationships make disclosure a non-starter, that determines the answer regardless of headline rate.

Where does each one struggle?

ABC Finance is the wrong fit for direct-lender relationship preference. IGF (Independent Growth Finance) is the wrong fit for sub-£500k turnover. 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 ABC Finance and IGF (Independent Growth Finance)?

Yes. We are an independent UK invoice finance comparison operated by Best Business Loans Ltd (16833937). We are not tied to either provider. Tell us monthly turnover, sector, debtor profile and whether you need the facility confidential. We match you against the UK invoice finance providers most likely to approve at a competitive rate, then stay your editorial reference for life.

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Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).