ABC Finance vs Time Finance: UK Invoice Finance Comparison 2026

Time 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; Time Finance advances up to 90% with setup in 7 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 Time Finance
Cluster independentindependent
Product type Invoice finance broker (whole-of-market)Invoice finance, asset finance, vehicle finance
Min turnover Varies by funder£250k
Advance rate Up to 90% (funder dependent)Up to 90%
Typical fee Funder rates; commission paid by lender1.5% to 3% service charge
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days7 working days
Best for Owners wanting one broker for several products; Comparison-led buyers; Property-plus-trading businessesSME service businesses; Multi-product facility seekers; £250k-£5m turnover
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 Time Finance wins

  • AIM-listed independent, financial transparency.
  • Multi-product cross-sell capability.
  • SME-friendly underwriting culture.
  • £150m annual funding scale.

Best for

SME service businesses, Multi-product facility seekers, £250k-£5m turnover.

Watch outs

  • Not the lowest-cost mainstream choice.
  • Less brand presence than Bibby or Close Brothers.
  • Smaller team than mid-market banks.

FAQ

ABC Finance or Time Finance: which is the better UK invoice finance provider in 2026?

Time 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; Time Finance is the stronger pick for sme service businesses. 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 Time Finance?

ABC Finance advances up to 90% (funder dependent) at funder rates; commission paid by lender. Time Finance advances up to 90% at 1.5% to 3% service charge. Minimum turnover is Varies by funder for ABC Finance and £250k for Time Finance. Setup runs 3 to 10 working days for ABC Finance and 7 working days for Time Finance. Bespoke pricing is common above £1m ledger so verify before signing.

Can I get a confidential facility with either ABC Finance or Time Finance?

ABC Finance offers confidential invoice discounting (your customers are not notified). Time 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. Time Finance is the wrong fit for sub-£250k 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 Time 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).