Skipton Business Finance vs Time Finance: UK Invoice Finance Comparison 2026

See how Skipton Business Finance 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.

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Recruitment agencyConstructionWholesaleUnder £500k turnoverConfidential (clients mustn't know)Not sure

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. Skipton Business Finance advances up to 90% with setup typically in 5 working days; Time Finance advances up to 90% with setup typically in 7 working days. Skipton Business Finance needs £100k minimum turnover, 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: Skipton Business Finance · Time Finance

As of 2026-05-12. Headline rates and advance percentages reflect each provider's published or commonly-offered position; larger facilities are typically priced bespoke, so verify before signing.
Skipton Business Finance Time Finance
Product type Invoice finance (CID, factoring, ABL)Invoice finance, asset finance, vehicle finance
Min turnover £100k£250k
Advance rate Up to 90%Up to 90%
Typical fee 0.5% to 2.5% service charge1.5% to 3% service charge
Confidential available? YesYes
Factoring available? YesYes
Setup speed 5 working days7 working days
Last reviewed 2026-05-122026-05-12

When Skipton Business Finance wins

  • 0.5% headline service charge, market-competitive.
  • Wholly owned subsidiary of Skipton Building Society.
  • Strong regional UK manufacturing and wholesale presence.
  • Funding lines up to £10m.

Best for

SME manufacturing and wholesale, Cost-sensitive Yorkshire/Northern businesses, Building-society-backed funder preference.

Watch outs

  • Smaller team than the largest mainstream providers.
  • Less aggressive on recruitment sector than specialists.
  • Less digital-led than fintech alternatives.

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

  • Not the lowest-cost mainstream choice.
  • Less brand presence than the largest mainstream providers.
  • Smaller team than mid-market banks.

FAQ

Skipton Business Finance or Time Finance: which is the better fit for UK invoice finance in 2026?

Skipton Business Finance is the stronger fit for SME manufacturing and wholesale; 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.

What are the headline commercials, Skipton Business Finance vs Time Finance?

Skipton Business Finance advances up to 90% at 0.5% to 2.5% service charge. Time Finance advances up to 90% at 1.5% to 3% service charge. Skipton Business Finance needs £100k minimum turnover, Time Finance needs £250k minimum turnover. Setup runs 5 working days for Skipton Business Finance and 7 working days for Time Finance.

Can I get a confidential facility with either Skipton Business Finance or Time Finance?

Skipton Business Finance offers confidential invoice discounting (your customers are not notified). Time Finance offers confidential invoice discounting (your customers are not notified).

Where does each one struggle?

Skipton Business Finance is the wrong fit for recruitment specialists. Time Finance is the wrong fit for sub-£250k turnover. 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 Skipton Business Finance 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 we will match you against UK invoice finance providers likely to approve, with no obligation to proceed.

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Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-05-12. Editorial by Best Business Loans Ltd (16833937).

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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 MarketFinance / Kriya or to any provider named on this page. If you take out a facility after we introduce you to a lender or broker, we may be paid a commission or referral fee by that party; 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.