Touch Financial vs Ultimate Finance: UK Invoice Finance Comparison 2026
See how Touch Financial compares to Ultimate 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. Touch Financial is a broker rather than a lender, so its figures reflect the funders it places you with. Touch Financial advances up to 100% (funder dependent), setup typically in 1 to 2 working days (funds released); Ultimate Finance advances up to 95%, setup typically in within one week (up to 5 working days). Touch Financial has no single minimum; each panel funder sets its own, Ultimate Finance does not publish a minimum turnover figure. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Touch Financial · Ultimate Finance
| Compared on | Touch Financial | Ultimate Finance |
|---|---|---|
| Product type | Invoice finance broker (lender panel) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | No single minimum; each panel funder sets its own | Not published |
| Advance rate | Up to 100% (funder dependent) | Up to 95% |
| Typical fee | Funder rates; no broker fee to client | Quoted per facility (not published) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 1 to 2 working days (funds released) | Within one week (up to 5 working days) |
Sources for these figures: Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender" · Ultimate Finance: advance rate and setup (facility set up within one week) · Ultimate Finance: founding date · Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
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.
When Ultimate Finance wins
- Facility set up within one week; funds within 24 hours of invoices once live.
- Funding lines up to £10m.
- Multi-product (IF + bridging + asset) under one decision team.
- Flexible on industry, including some construction and recruitment.
Best for
SME urgent setup, Multi-product facility seekers, Hybrid IF + bridging needs.
Watch outs
- No published service charge, so it cannot be benchmarked on headline rate without a quote.
- Smaller deal-team than the largest independents.
- Less competitive on £5m+ facilities than mid-market specialists.
FAQ
Touch Financial or Ultimate Finance: which is the better fit for UK invoice finance in 2026?
Touch Financial is the stronger fit for SMEs wanting one application sent to several funders; Ultimate Finance fits SME urgent setup better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do Touch Financial and Ultimate Finance price their facilities?
Pricing: Touch Financial, funder rates; no broker fee to client; Ultimate Finance, not published, quoted per facility. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either Touch Financial or Ultimate Finance?
Both Touch Financial and Ultimate Finance offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Touch Financial is the wrong fit for businesses wanting a direct lender relationship. Ultimate Finance is the wrong fit for lowest-cost facility seekers. 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 Touch Financial and Ultimate 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 Touch Financial review
- Full Ultimate 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 Touch Financial's own site.
- Rates, advance percentages and product details checked against Ultimate Finance's own site.
- Touch Financial: advance rate, funds within 24-48 hours, "a broker not a lender"
- Ultimate Finance: advance rate and setup (facility set up within one week)
- Ultimate Finance: founding date
- Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
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.