Bibby Financial Services vs Touch Financial: UK Invoice Finance Comparison 2026
See how Bibby Financial Services compares to Touch Financial 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. Touch Financial is a broker rather than a lender, so its figures reflect the funders it places you with. Bibby Financial Services advances up to 85%, setup typically in 5 working days; Touch Financial advances up to 100% (funder dependent), setup typically in 1 to 2 working days (funds released). Bibby Financial Services does not publish a minimum turnover figure, Touch Financial has no single minimum; each panel funder sets its own. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Bibby Financial Services · Touch Financial
| Compared on | Bibby Financial Services | Touch Financial |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance broker (lender panel) |
| Min turnover | Not published | No single minimum; each panel funder sets its own |
| Advance rate | Up to 85% | Up to 100% (funder dependent) |
| Typical fee | Not published (quoted per facility) | Funder rates; no broker fee to client |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 5 working days | 1 to 2 working days (funds released) |
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) · Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender"
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 Touch Financial wins
- 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
Bibby Financial Services or Touch Financial: which is the better fit for UK invoice finance in 2026?
Bibby Financial Services is the stronger fit for construction subcontractors; Touch Financial fits SMEs wanting one application sent to several funders 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 Touch Financial price their facilities?
Pricing: Bibby Financial Services, not published, quoted per facility; Touch Financial, funder rates; no broker fee to client. 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 Touch Financial?
Both Bibby Financial Services and Touch Financial 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. 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 3 free quotes through our quote form.
Can Market Invoice help me choose between Bibby Financial Services and Touch Financial?
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 Touch Financial 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 Touch Financial'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)
- Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender"
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.
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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.