Bibby Financial Services vs Time Finance: UK Invoice Finance Comparison 2026
See how Bibby Financial Services compares to Time 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. Bibby Financial Services advances up to 85%, setup typically in 5 working days; Time Finance advances up to 90%, setup typically in 7 working days. Bibby Financial Services does not publish a minimum turnover figure, Time Finance needs £250k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Bibby Financial Services · Time Finance
| Compared on | Bibby Financial Services | Time Finance |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance, asset finance, vehicle finance |
| Min turnover | Not published | £250k |
| Advance rate | Up to 85% | Up to 90% |
| Typical fee | Not published (quoted per facility) | Not published (quoted per facility) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 5 working days | 7 working days |
Sources for these figures: Bibby Financial Services: advance rate · Bibby Financial Services: founding date · Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023) · Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published) · Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
When Bibby Financial Services wins
- Company-stated: one of Europe's largest independent invoice finance providers, funding over 8,500 businesses.
- Sector-specialist underwriting teams for construction, recruitment, manufacturing.
- Setup typically around 5 working days for clean-credit cases.
- Acquired Aldermore's Working Capital Finance division in June 2023 (announced by both firms).
Best for
Construction subcontractors, Recruitment agencies, SME manufacturing.
Watch outs
- No published service charge or minimum turnover, so it cannot be benchmarked without a quote.
- Personal guarantee standard for smaller facilities.
- Larger facilities reviewed by credit committee, slower than fintech.
When Time Finance wins
- AIM-listed independent, financial transparency.
- Multi-product cross-sell capability.
- SME-friendly underwriting culture.
- Gross lending book above £250m (2026, company RNS), a record for the group.
Best for
SME service businesses, Multi-product facility seekers, £250k-£5m turnover.
Watch outs
- No published pricing: the balance is paid "minus our agreed fees", agreed per facility.
- Less brand presence than the largest mainstream providers.
- Smaller team than mid-market banks.
FAQ
Bibby Financial Services or Time Finance: which is the better fit for UK invoice finance in 2026?
Bibby Financial Services is the stronger fit for construction subcontractors; Time Finance fits SME service businesses better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do Bibby Financial Services and Time Finance price their facilities?
Neither publishes its pricing; both quote per facility. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either Bibby Financial Services or Time Finance?
Both Bibby Financial Services and Time Finance offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Bibby Financial Services is the wrong fit for businesses wanting published pricing up front. Time Finance is the wrong fit for sub-£250k turnover. 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 Bibby Financial Services and Time 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 Bibby Financial Services review
- Full Time 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 Bibby Financial Services's own site.
- Rates, advance percentages and product details checked against Time Finance's own site.
- Bibby Financial Services: advance rate
- Bibby Financial Services: founding date
- Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
- Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published)
- Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
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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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.