IGF (Independent Growth Finance) vs Touch Financial: UK Invoice Finance Comparison 2026
See how IGF (Independent Growth Finance) 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. IGF (Independent Growth Finance) advances up to 90% receivables + stock + plant, setup typically in 10 working days; Touch Financial advances up to 100% (funder dependent), setup typically in 1 to 2 working days (funds released). IGF (Independent Growth Finance) needs £5m minimum turnover, 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: IGF (Independent Growth Finance) · Touch Financial
| Compared on | IGF (Independent Growth Finance) | Touch Financial |
|---|---|---|
| Product type | Invoice finance (ABL, CID), asset-based lending | Invoice finance broker (lender panel) |
| Min turnover | £5m | No single minimum; each panel funder sets its own |
| Advance rate | Up to 90% receivables + stock + plant | Up to 100% (funder dependent) |
| Typical fee | Bespoke pricing | Funder rates; no broker fee to client |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 10 working days | 1 to 2 working days (funds released) |
Sources for these figures: IGF: advance up to 90% of receivables, facilities £2m to £25m, over £600m under management (March 2025) · IGF: UK businesses with over £5m annual turnover · Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender"
When IGF (Independent Growth Finance) wins
- ABL specialist: receivables + stock + plant under one facility.
- Facilities of £2m to £25m, where monoline IF lenders cap out.
- Flexible covenant negotiation.
- Established mid-market ABL reputation.
Best for
Businesses over £5m turnover needing £2m or more, Complex ABL needs (receivables + stock), Turnaround and restructure cases.
Watch outs
- Pricing bespoke, not transparent in marketing.
- Setup 10 days, slower than monoline IF.
- Facilities start around £2m, so smaller SMEs are out of scope.
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
IGF (Independent Growth Finance) or Touch Financial: which is the better fit for UK invoice finance in 2026?
IGF (Independent Growth Finance) is the stronger fit for businesses over £5m turnover needing £2m or more; 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 IGF (Independent Growth Finance) and Touch Financial price their facilities?
Pricing: IGF (Independent Growth Finance), 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 IGF (Independent Growth Finance) or Touch Financial?
Both IGF (Independent Growth Finance) and Touch Financial offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
IGF (Independent Growth Finance) is the wrong fit for businesses under £5m turnover. 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 IGF (Independent Growth Finance) 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 IGF (Independent Growth Finance) 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 IGF (Independent Growth Finance)'s own site.
- Rates, advance percentages and product details checked against Touch Financial's own site.
- IGF: advance up to 90% of receivables, facilities £2m to £25m, over £600m under management (March 2025)
- IGF: UK businesses with over £5m annual turnover
- 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.
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.