Time Finance vs Touch Financial: UK Invoice Finance Comparison 2026
See how Time 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. Time Finance advances up to 90%, setup typically in 7 working days; Touch Financial advances up to 100% (funder dependent), setup typically in 1 to 2 working days (funds released). Time Finance needs £250k 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: Time Finance · Touch Financial
| Compared on | Time Finance | Touch Financial |
|---|---|---|
| Product type | Invoice finance, asset finance, vehicle finance | Invoice finance broker (lender panel) |
| Min turnover | £250k | No single minimum; each panel funder sets its own |
| Advance rate | Up to 90% | 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 | 7 working days | 1 to 2 working days (funds released) |
Sources for these figures: 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) · Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender"
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.
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
Time Finance or Touch Financial: which is the better fit for UK invoice finance in 2026?
Time Finance is the stronger fit for SME service businesses; 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 Time Finance and Touch Financial price their facilities?
Pricing: Time 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 Time Finance or Touch Financial?
Both Time Finance and Touch Financial offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Time Finance is the wrong fit for sub-£250k 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 Time 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 Time 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 Time Finance's own site.
- Rates, advance percentages and product details checked against Touch Financial's own site.
- 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)
- 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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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.