Head to head
Aldermore vs Time Finance: Which UK Business Finance Provider in 2026?
Side by side: what each lender offers UK limited companies and LLPs, and what each one publishes.
Free · 2 mins
Start here · What do you need?
What Aldermore offers: asset finance, invoice finance, commercial mortgages. Rate: quoted per deal (not published). What Time Finance offers: asset finance, invoice finance, vehicle finance. Rate: bespoke. Aldermore suits established Ltds wanting asset finance or invoice finance with a real bank. Time Finance suits mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender. The table below compares typical rate.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Aldermore, at a glance
- Product
- Asset finance, invoice finance, commercial mortgages
- FundBiz editorial view
- Best for established Ltds wanting asset finance or invoice finance with a real bank
Time Finance, at a glance
- Product
- Asset finance, invoice finance, vehicle finance
- FundBiz editorial view
- Best for mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender
Side-by-side
Full profiles: Aldermore · Time Finance
| Compared on | Aldermore | Time Finance |
|---|---|---|
| Product type | Asset finance, invoice finance, commercial mortgages | Asset finance, invoice finance, vehicle finance |
| Typical rate | Quoted per deal (not published) | Bespoke |
| Lender's own soft search at quote | Not published | Yes, says the lender |
| Lender lends to limited companies only | Yes | Not stated |
Sources: Aldermore's own site · Time Finance's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When Aldermore may fit
- Specialist asset finance and invoice finance lines that mainstream banks no longer prioritise.
- Strong commercial mortgage product for property-backed Ltd borrowers.
- Established underwriting team with sector specialism, useful for files with complexity that needs a human.
- PRA-regulated bank, which matters to applicants who want a deposit-taking institution rather than a fintech.
Best for
Established Ltds wanting asset finance or invoice finance with a real bank, Commercial property borrowers with time for full underwriting, Intermediary-introduced deals with sector complexity.
Watch outs
- Slower than fintech alternatives, so borrowers who need cash inside the week may prefer iwoca, Capify or YouLend.
- Hard search at full application, so it is worth applying only once you're committed.
- It doesn't publish a minimum for asset or invoice finance; small, urgent asks may suit iwoca or Capify.
Lender figures and criteria: Aldermore's own site; full notes in our Aldermore review.
When Time Finance may fit
- Multiple complementary product lines under one roof, so one relationship can cover asset, invoice and vehicle finance.
- Sector specialism in transport, manufacturing and hospitality.
- AIM-listed transparency on filings, useful for applicants who want a public-market institutional view.
Best for
Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender, Transport, manufacturing and hospitality SIC codes, £25k to £500k asset-backed Ltds wanting a faster route than Aldermore.
Watch outs
- Distributed through intermediaries for most product flow rather than self-serve.
- Pricing varies materially by deal, so there's no tight rate guide before the conversation.
- Smaller brand presence than Aldermore or Shawbrook, borrowers who want the bigger name may prefer those.
Lender figures and criteria: Time Finance's own site; full notes in our Time Finance review.
FAQ
Aldermore or Time Finance: which is the better UK business finance provider in 2026?
Neither is better for every business. The 'When Aldermore may fit' and 'When Time Finance may fit' sections above say who each one suits, and the side-by-side table shows what each lender publishes. Check each lender's own criteria before you apply.
Which is weakest for what?
Aldermore is a poor fit for speed-critical files, consider iwoca, Capify or YouLend. Time Finance is a poor fit for sub-£10k self-serve tickets, consider iwoca. If either of those describes your business, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with Aldermore or Time Finance?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. FundBiz doesn't pass your enquiry to either lender. If you send an enquiry through FundBiz, we pass it to one of the finance partners we work with, who will contact you about your options.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for Aldermore and Time Finance is set by each lender, and trading history requirements vary, so check each lender's own criteria.
How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each comparison shows the date it was last updated. Inclusion is never paid for, and FundBiz receives no commission from lenders. FundBiz is paid a fixed fee by one of the finance partners we work with for each enquiry we pass on. See our full methodology.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. It's free and there's no obligation. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: . Editorial by Best Business Loans Ltd (16833937).