Comparison · 2026 edition
Earlypay vs Ultimate Finance: invoice finance compared 2026.
Earlypay and Ultimate Finance side by side in the Invoice Finance and Factoring Index 2026: scores, evidence, published facts and awards.
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Earlypay and Ultimate Finance side by side in the Invoice Finance and Factoring Index 2026: scores, evidence, published facts and awards.
In the Invoice Finance and Factoring Index, Earlypay scores higher overall: 2.6 out of 5 (52 out of 100) against 2.5 (49), ranking 3 and 4 of 10. Earlypay also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Earlypay | Ultimate Finance |
|---|---|---|
| Score out of 5 | 2.6 | 2.5 |
| Score out of 100 | 52 | 49 |
| Overall rank | 3 of 10 | 4 of 10 |
| For small B2B suppliers (out of 100) | 54, rank 2 | 51, rank 4 |
| For mid-sized firms (out of 100) | 55, rank 1 | 54, rank 2 |
| For payment and fintech firms (out of 100) | 46, rank 3 | 43, rank 4 |
| Type | Invoice finance provider | Invoice finance provider |
Each score with the evidence behind it.
| Criterion | Earlypay | Ultimate Finance |
|---|---|---|
| Product range | 3/5 Factoring, discounting and debtor protection published; single-invoice and confidential options not published. | 4/5 Factoring, invoice discounting, a confidential option and debtor protection published; single-invoice finance not published. |
| Published pricing | 3/5 Yearly interest rate range published; other fees not quantified. | 0/5 Fee types named but no rates published. |
| Advance and speed | 4/5 Advance rate, approval time and funding time published, with conflicting advance figures. | 5/5 95% advance, one-week set-up and 24 hour funding published. |
| Published eligibility | 5/5 Facility range, Australian eligibility and invoice age rule published. | 5/5 Maximum facility, UK eligibility and B2B credit sales rule published. |
| Contract flexibility | 0/5 Not published on the pages read. | 2/5 Rolling contract with no fixed term; minimum volume and personal guarantee not addressed. |
| Regulatory standing | 1/5 Industry association membership shown only; no licence or certification. | 0/5 Not published on the pages read. |
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Earlypay | Ultimate Finance |
|---|---|---|
| Products | Invoice Factoring and Invoice Discounting, with an optional Debtor Protection add-on; also Equipment, Trade and Payroll Finance. | Factoring and invoice discounting, with confidentiality, collection services and "Debtor Protection" options; "Option to include Cashflow Loan up to £500k (up to 5 year term)". |
| Pricing | "interest rate charged on Invoice Financing balances ranges between 7.99% and 13.95% per annum"; drawdown or administration fees may apply, amounts not listed. | "an ongoing service fee" for ledger management and "a discount fee" for cash advanced; no rates published. |
| Advance and speed | "up to 85% of your outstanding invoice value" (FAQ: 80%, sometimes 90%); response "within 24 hours" with Xero or MYOB AccountRight; funds within 24 hours of approval. | "Up to 95% of your unpaid invoice value"; set-up "within one week"; funding "within 24 hours of receiving invoices". |
| Eligibility | "Lines of credit of $100K - $10 million" (FAQ: "from $50k"); ABN or ACN and invoices to other Australian businesses; invoices not funded "more than 90 days past the issue date". | "Any UK-registered businesses selling to another on credit", including limited companies, sole traders and partnerships; "Up to £10m funding". |
| Security | "the primary security is the invoices themselves"; no real estate security required. | Not listed in this index |
| Regulatory standing | AFIA member logo in the footer; no licence or security certification stated. | Site operated by Ultimate Finance Group Limited, company number 04350565; no FCA statement or security certification on the pages read. |
| Contract terms | Not listed in this index | "Unlimited rolling contract that grows with your business"; "assignment of invoices supported by debenture" (a legal charge over the business's assets). |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Earlypay: pricing, regulatory standing, product range and contract flexibility.
Not published or not stated by Ultimate Finance: pricing, product range and regulatory standing.
Facts read on 26 October 2026 from: earlypay.com.au/invoice-finance; and ultimatefinance.co.uk/client/invoice-finance, ultimatefinance.co.uk/static/…, ultimatefinance.co.uk/resources/faqs, ultimatefinance.co.uk/legals.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Australian firms, including start-ups, wanting a published rate range.
UK B2B suppliers wanting a high advance and a fast set-up.
Tell us what you need and where you operate.