Aldermore Invoice Finance vs Allianz Trade: UK Invoice Finance Comparison 2026
See how Aldermore Invoice Finance compares to Allianz Trade 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?
These are different products rather than like-for-like invoice finance rivals (Aldermore Invoice Finance: invoice finance; Allianz Trade: trade credit insurance and bad debt protection). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. Aldermore Invoice Finance advances up to 90%, setup typically in a few days to a few weeks; Allianz Trade typically takes 1 to 3 weeks (policy underwriting) to set up. Aldermore Invoice Finance needs £750k minimum turnover, Allianz Trade has no turnover minimum as such; eligibility is set by policy underwriting. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Aldermore Invoice Finance · Allianz Trade
| Compared on | Aldermore Invoice Finance | Allianz Trade |
|---|---|---|
| Product type | Invoice finance (Receivables Finance, factoring, CID) | Trade credit insurance and bad debt protection |
| Min turnover | £750k | Set by policy underwriting |
| Advance rate | Up to 90% | N/A (insurance, not advance against ledger) |
| Typical fee | Not published (quoted per facility) | Premium as a percentage of insured turnover |
| Confidential available? | Yes | N/A |
| Factoring available? | Yes | N/A |
| Setup speed | A few days to a few weeks | 1 to 3 weeks (policy underwriting) |
Sources for these figures: Aldermore Invoice Finance: advance rate · Aldermore Invoice Finance: minimum turnover, setup timescale, Growth Guarantee Scheme · Bibby Financial Services acquires Aldermore's Working Capital Finance division (26 June 2023)
When Aldermore Invoice Finance wins
- Challenger bank stability with independent-style speed.
- Accredited to offer the Growth Guarantee Scheme (per Aldermore).
- Funds available within 24 hours once the facility is live.
- Sector breadth: manufacturing, wholesale, business services.
Best for
£750k-£5m turnover Ltd companies, Cross-product banking relationship seekers, Growth Guarantee eligible.
Watch outs
- Setup ranges from a few days to a few weeks, slower than the fastest fintech lenders.
- No published service charge, so it cannot be benchmarked without a quote.
- Less specialist than Sonovate for recruitment.
When Allianz Trade wins
- One of the world's largest trade credit insurers, with deep debtor risk data.
- Protects against customer insolvency and protracted default.
- Can be added alongside an existing invoice finance facility.
- Strengthens funding terms when a ledger is insured.
Best for
Protecting against customer non-payment, Insuring an existing IF ledger, Exporters managing debtor risk.
Watch outs
- Not invoice finance: it insures debt, it does not advance cash.
- Provides no working capital on its own.
- Premiums and underwriting add cost and lead time.
FAQ
Aldermore Invoice Finance or Allianz Trade: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing. Aldermore Invoice Finance is the stronger fit for £750k-£5m turnover Ltd companies; Allianz Trade fits protecting against customer non-payment better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do Aldermore Invoice Finance and Allianz Trade price their facilities?
Pricing: Aldermore Invoice Finance, not published, quoted per facility; Allianz Trade, premium as a percentage of insured turnover. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either Aldermore Invoice Finance or Allianz Trade?
Aldermore Invoice Finance offers confidential invoice discounting (your customers are not notified). Allianz Trade is not an invoice finance facility, so confidential invoice discounting does not apply.
Where does each one struggle?
Aldermore Invoice Finance is the wrong fit for sub-£750k turnover. Allianz Trade is the wrong fit for businesses that need cash now. 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 Aldermore Invoice Finance and Allianz Trade?
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 Aldermore Invoice Finance review
- Full Allianz Trade 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 Aldermore Invoice Finance's own site.
- Rates, advance percentages and product details checked against Allianz Trade's own site.
- Aldermore Invoice Finance: advance rate
- Aldermore Invoice Finance: minimum turnover, setup timescale, Growth Guarantee Scheme
- Bibby Financial Services acquires Aldermore's Working Capital Finance division (26 June 2023)
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: .
Compare Aldermore Invoice Finance and Allianz Trade quotes
Free, no obligation. Tell us about your business and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.
Step 1 of 3 · Your business
Free to you: our introduction partner pays us a fixed fee for each introduction, whether or not you go ahead. See our privacy policy.
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.