ABC Finance vs Touch Financial: UK Invoice Finance Comparison 2026

ABC Finance and Touch Financial both score 4.0 of 5 in our 2026 UK review. 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 typically in 3 to 10 working days; Touch Financial advances up to 90% (funder dependent) with setup in 3 to 10 working days. Minimum turnover sits at Varies by funder for ABC Finance and Varies by funder for Touch Financial. The right answer depends on your sector, ledger size and how soon you need the line live. Read the side-by-side below, then jump to the "when X wins" sections.

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 Touch Financial
Cluster independentindependent
Product type Invoice finance broker (whole-of-market)Invoice finance broker (whole-of-market)
Min turnover Varies by funderVaries by funder
Advance rate Up to 90% (funder dependent)Up to 90% (funder dependent)
Typical fee Funder rates; commission paid by lenderFunder rates; no broker fee to client
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days3 to 10 working days
Best for Owners wanting one broker for several products; Comparison-led buyers; Property-plus-trading businessesSMEs wanting one application sent to several funders; Businesses unsure which lender fits; Comparison-led buyers
Overall rating 4.0 / 54.0 / 5
Last reviewed 2026-05-272026-05-27

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 Touch Financial wins

  • Whole-of-market brokering across a panel of UK invoice finance lenders.
  • No fee charged to the client; commission paid by the funder.
  • Single application routed to multiple providers for comparison.
  • Handles factoring, confidential discounting and selective facilities.

Best for

SMEs wanting one application sent to several funders, Businesses unsure which lender fits, Comparison-led buyers.

Watch outs

  • A broker, not a lender, so it does not set rates or underwrite directly.
  • Final terms and speed depend entirely on the chosen funder.
  • Panel may not include every UK provider.

FAQ

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

ABC Finance scores higher overall in our 2026 review at 4.0 of 5 versus 4.0 for Touch Financial. That headline does not settle the answer though. ABC Finance is the stronger pick for owners wanting one broker for several products; Touch Financial is the stronger pick for smes wanting one application sent to several funders. 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 Touch Financial?

ABC Finance advances up to 90% (funder dependent) at funder rates; commission paid by lender. Touch Financial advances up to 90% (funder dependent) at funder rates; no broker fee to client. Minimum turnover is Varies by funder for ABC Finance and Varies by funder for Touch Financial. Setup runs 3 to 10 working days for ABC Finance and 3 to 10 working days for Touch Financial. Bespoke pricing is common above £1m ledger so verify before signing.

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

ABC Finance offers confidential invoice discounting (your customers are not notified). Touch Financial 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. Touch Financial is the wrong fit for businesses wanting a direct lender relationship. 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 Touch Financial?

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).