ABC Finance vs Ultimate Finance: UK Invoice Finance Comparison 2026

Ultimate Finance edges this one in our 2026 UK review at 4.3 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; Ultimate Finance advances up to 90% with setup in 3 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 Ultimate Finance
Cluster independentindependent
Product type Invoice finance broker (whole-of-market)Invoice finance (factoring, CID), bridging, asset finance
Min turnover Varies by funder£100k
Advance rate Up to 90% (funder dependent)Up to 90%
Typical fee Funder rates; commission paid by lender1.5% to 3.5% service charge
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days3 working days
Best for Owners wanting one broker for several products; Comparison-led buyers; Property-plus-trading businessesSME urgent setup; Multi-product facility seekers; Hybrid IF + bridging needs
Overall rating 4.0 / 54.3 / 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 Ultimate Finance wins

  • Setup in 3 working days, market-leading for full credit underwriting.
  • SME-friendly: £100k turnover floor.
  • 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

  • Service charge rate higher than Close Brothers or Aldermore.
  • Smaller deal-team than Bibby.
  • Less competitive on £5m+ facilities than mid-market specialists.

FAQ

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

Ultimate Finance scores higher overall in our 2026 review at 4.3 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; Ultimate Finance is the stronger pick for sme urgent setup. 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 Ultimate Finance?

ABC Finance advances up to 90% (funder dependent) at funder rates; commission paid by lender. Ultimate Finance advances up to 90% at 1.5% to 3.5% service charge. Minimum turnover is Varies by funder for ABC Finance and £100k for Ultimate Finance. Setup runs 3 to 10 working days for ABC Finance and 3 working days for Ultimate Finance. Bespoke pricing is common above £1m ledger so verify before signing.

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

ABC Finance offers confidential invoice discounting (your customers are not notified). Ultimate 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. Ultimate Finance is the wrong fit for lowest-cost facility seekers. 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 Ultimate 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.

Related

Get matched in two minutes

Tell us monthly turnover, sector, debtor profile and whether the facility needs to be 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.

Get quotes →

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