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Time Finance Invoice Finance Review

Time Finance plc is an AIM-listed independent finance provider established in 1998, funding approximately £150 million annually. They offer invoice factoring and discounting for UK businesses with turnover from £250,000, advancing up to 90% of approved invoice values. With offices in Bath, Cardiff, Manchester, and Warrington, they provide regional coverage with a relationship-led approach.

Key Facts

Advance rateUp to 90%
Min turnover£250,000
Annual funding£150m
Established1998
Our rating4.1/5
TypeAIM-listed independent

Pros and Cons

Strengths

  • AIM-listed with strong governance and transparency
  • Over 25 years of trading history
  • Regional offices for face-to-face relationship management
  • Cross-sell with asset finance, loans, and vehicle finance

Limitations

  • £250k minimum turnover excludes smaller businesses
  • Less brand recognition than high street banks
  • Fewer digital self-service tools than fintech alternatives

Our Verdict

Time Finance is a reliable, well-established independent provider with the transparency that comes from being publicly listed. They are best suited to SMEs with £250k-£10m turnover who value a relationship-led approach with regional account management. Their ability to bundle invoice finance with asset finance and loans is a genuine advantage for growing businesses.

OM

Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 7 April 2026

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Time Finance Invoice Finance FAQ

Is Time Finance a regulated lender?

Yes. Time Finance plc is listed on the AIM market of the London Stock Exchange and is FCA-authorised. They have been trading since 1998 and fund approximately £150 million annually.

What is the minimum turnover for Time Finance?

Time Finance requires a minimum annual turnover of £250,000 for their invoice finance facilities. They serve businesses across a wide range of sectors from their offices in Bath, Cardiff, Manchester, and Warrington.

Does Time Finance offer other products alongside invoice finance?

Yes. Time Finance also offers asset finance, business loans, and vehicle finance. This means they can provide a combined funding package if you need multiple types of finance.