ABC Finance vs Ultimate Finance: UK Invoice Finance Comparison 2026
See how ABC Finance compares to Ultimate Finance 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?
Both operate in UK independent invoice finance, outside the high street banks. They differ on sector focus, headline pricing and the minimum turnover they will consider. ABC Finance is a broker rather than a lender, so its figures reflect the funders it places you with. ABC Finance advances up to 95% (funder dependent), setup typically in 10 to 20 working days; Ultimate Finance advances up to 95%, setup typically in within one week (up to 5 working days). ABC Finance has no single minimum; each panel funder sets its own, Ultimate Finance does not publish a minimum turnover figure. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: ABC Finance · Ultimate Finance
| Compared on | ABC Finance | Ultimate Finance |
|---|---|---|
| Product type | Commercial finance broker (lender panel) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | No single minimum; each panel funder sets its own | Not published |
| Advance rate | Up to 95% (funder dependent) | Up to 95% |
| Typical fee | Funder rates (ABC publishes market ranges only) | Quoted per facility (not published) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 10 to 20 working days | Within one week (up to 5 working days) |
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 · Ultimate Finance: advance rate and setup (facility set up within one week) · Ultimate Finance: founding date · Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
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 Ultimate Finance wins
- Facility set up within one week; funds within 24 hours of invoices once live.
- Funding lines up to £10m.
- Multi-product (IF + bridging + asset) under one decision team.
- Flexible on industry, including some construction and recruitment.
Best for
SME urgent setup, Multi-product facility seekers, Hybrid IF + bridging needs.
Watch outs
- No published service charge, so it cannot be benchmarked on headline rate without a quote.
- Smaller deal-team than the largest independents.
- Less competitive on £5m+ facilities than mid-market specialists.
FAQ
ABC Finance or Ultimate Finance: which is the better fit for UK invoice finance in 2026?
ABC Finance is the stronger fit for owners wanting one broker for several products; Ultimate Finance fits SME urgent setup 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 Ultimate Finance price their facilities?
Pricing: ABC Finance, funder rates (ABC publishes market ranges only); Ultimate Finance, not published, quoted per facility. 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 Ultimate Finance?
Both ABC Finance and Ultimate Finance offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
ABC Finance is the wrong fit for direct-lender relationship preference. Ultimate Finance is the wrong fit for lowest-cost facility seekers. 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 Ultimate Finance?
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 Ultimate Finance 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 Ultimate Finance'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
- Ultimate Finance: advance rate and setup (facility set up within one week)
- Ultimate Finance: founding date
- Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
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.