What Touch Financial does

Touch Financial is a London-based commercial finance brokerage, founded in 2008, that connects UK SMEs with invoice finance and working capital lenders. The firm operates as a trading name of SFP Brokers Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 727220), and is part of the Exigen Group since 2018. Itself-positioning is as the UK's largest invoice finance broker.

The core product is invoice finance brokerage: businesses seeking to accelerate cash from unpaid invoices are matched with one of 25-35+ lenders on the firm's approved panel, representing approximately 75% of major UK invoice finance providers. Product surface has expanded to invoice factoring, invoice discounting, spot factoring, the CHOCCS hybrid, merchant cash advance, asset finance, asset refinance, supply chain finance, import/export finance, trade finance, overdrafts/revolving credit, and credit protection insurance. Touch Financial also distributes an Invoice Finance Calculator tool on its website to help SMEs estimate advance amounts and costs.

Commercial model is a free, no-obligation brokerage for the customer, with revenue earned via commission paid by lenders upon successful introductions; consultants are not told commission rates to preserve perceived impartiality. Distribution is inside-sales led: a single dedicated consultant handles each client through a 15-25 minute initial call, lender matching, comparison, and ongoing support. The firm markets through content/SEO, LinkedIn, Twitter, and Trustpilot/Feefo reviews, and is recognised as a member of UK Finance, FSB, and an affiliate of the Asset Based Finance Association; it has won the Moneyfacts Asset Based Finance Broker of the Year award on six occasions.

Name

Touch Financial

Legal name

Touch Financial Support Limited

Website

https://touchfinancial.co.uk

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Touch Financial is a London-based, FCA-regulated credit brokerage that introduces UK SMEs to invoice finance and working capital lenders from a panel of 25-35+ providers, earning commission on successful introductions via dedicated consultant support.

Ownership category

akta.pro rank

Product category

Credit Brokerage (Invoice Finance)

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Equipment & Asset Finance (SME) (FSAKAGAF)

Keywords

• Invoice finance brokerage
• Credit brokerage services
• Invoice factoring
• Invoice discounting
• Business cash flow finance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Commission from lenders: Touch Financial receives commission payments from any funder that they introduce to customers and from whom the customer borrows. Consultants are not made aware of commission rates to ensure impartial recommendations. Panel funders are expected to disclose commission details to customers upon request. Additional commission may be received for future facilities negotiated with previously introduced funders.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Touch Financial is the UK's largest invoice finance broker, introducing UK businesses to a panel of over 35 lenders for invoice factoring, invoice discounting, spot factoring, and the CHOCCS hybrid product. The firm also arranges broader working capital solutions (merchant cash advance, asset finance, asset refinance, supply chain finance, import/export finance, trade finance, overdrafts and revolving credit), credit protection insurance, and business loans. Service is free for customers, with Touch Financial earning commission from lenders on its panel upon successful introduction.

Product overview

Touch Financial operates as an invoice finance brokerage platform offering a comprehensive suite of financing solutions. The core offering centers on invoice finance products (Invoice Factoring, Invoice Discounting, Spot Factoring, and CHOCCS hybrid product) that enable businesses to release up to 100% of cash tied up in unpaid invoices. The platform provides a technology-enabled broker service with an approved panel of over 35 UK lenders, matching businesses with suitable funders. The product portfolio extends to working capital solutions including Merchant Cash Advance, Asset Finance, Asset Refinance, Supply Chain Finance, Import/Export Finance, Trade Finance, Overdrafts and Revolving Credit, and Credit Protection insurance. The company also provides an Invoice Finance Calculator tool and serves multiple industry verticals including Construction, Recruitment, Transport, Healthcare, Wholesale, Retail, Manufacturing, Professional Services, and Hospitality.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring A financing arrangement where the factoring partner advances up to 100% of invoice value when issued, with the funder managing the sales ledger and collecting payments from the business's customers. Arranged by Touch Financial through its panel of UK lenders.
• Invoice Discounting A confidential method for improving cash flow in which the business retains control of its sales ledger and collects payments itself, while the lender advances funds against outstanding invoices. Also known as confidential invoice discounting.
• Spot Factoring

Quantifiable outcome

• Advance rates of 80-95% of invoice value
• +3 more outcomes

Named customers1 record

Segments11 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor.

• UK FinanceminorOthersMember of UK Finance, the trade association for the UK finance industry. Consultants complete UK Finance's Invoice Finance and Asset Based Lending Foundation Course.
• FSB (Federation of Small Businesses)minorOthersProud members of the FSB, supporting small businesses across the UK.
• TrustpilotminorOthersCustomer review platform where Touch Financial maintains an 'Excellent' rating, allowing potential customers to see honest feedback about the company's services.
• FeefominorOthersIndependent rating service used by Touch Financial to allow customers to provide honest and open feedback about their experience in securing business finance.
• Asset Based Finance AssociationminorOthersTouch Financial is an affiliate member of the Asset Based Finance Association, the industry body for asset-based lending.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Funding Options: UK-based business finance broker/platform matching SMEs with invoice finance, working capital, and asset finance lenders. Highly comparable as a UK digital credit broker competing for the same SME invoice finance introductions.
• Skipton Business Finance: UK invoice finance provider and broker arranging factoring and discounting facilities for SMEs. Comparable as a UK invoice finance intermediary with both origination and intermediary capabilities.
• Finance For Business: UK business finance broker arranging invoice finance, asset finance, and working capital facilities from a panel of lenders. Comparable as a UK SME credit broker with a multi-lender panel.
• iqast: UK invoice finance broker that matches SMEs with invoice discounting and factoring providers. Comparable as a UK specialist invoice finance intermediary with a lender panel and consultant-led service.
• Commercial Finance Limited: UK commercial finance broker arranging invoice finance, asset finance, and trade finance for SMEs. Comparable as a UK SME credit broker operating across working capital products with similar customer segments.

Broad incumbents

• Hitachi Capital Invoice Finance (now Mercedes-Benz Financial Services UK): Large UK invoice finance provider (formerly Hitachi Capital), part of a much broader financial services group. Comparable as a major UK invoice finance lender that brokers like Touch work alongside and sometimes compete against.
• Bibby Financial Services: Large UK and international invoice finance provider serving SMEs across multiple sectors. Comparable as a major UK invoice finance incumbent that brokers like Touch introduce into and partially compete with.

Emerging players

• MarketInvoice (now acquired by Santander): UK fintech offering invoice and peer-to-peer invoice finance directly to SMEs. Comparable as a digital-native UK invoice finance provider that enables direct SME funding, partially competing with broker-led distribution.
• LendingCrowd: UK fintech/direct lender offering invoice finance and working capital to SMEs. Comparable as a UK digital invoice finance provider that competes for the SME working capital dollar.
• Outfund: Digital-first revenue-based finance provider targeting UK SMEs. Comparable as an emerging UK fintech offering alternative working capital to SMEs that overlaps with Touch's broader finance solution set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/TouchFinancial
• LinkedInlinkedin.com/company/touch-financial
• Facebookfacebook.com/241591612543188

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Touch Financial