Invoice Finance unlocks cash tied up in your business so you can concentrate on growth

Every business has the potential to grow. They just need the right support around them to make this happen. If you want to access the cash you need to take on new orders, expand into new markets and grow your business without taking out a loan, we can help.



As a family business that has helped SMEs grow since 1982, we’re a safe pair of hands and understand the challenges you face



You can apply easily online or speak with us today



Find the right funding solution that works for your business now and in the future



Free up your time enabling you to concentrate on running and growing your business

We're passionate about helping businesses grow and here's what our clients say about us:

TM Steels

TM Steels

“For the past 20 years, BFS’s approach to funding has been consistent, honest, practical, timely and fully understanding of the commercial realities and challenges that businesses face. The lines of communication are excellent and response times to requests are without fault. Their support has been a lifeline to our business – through the good times and bad.”


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“The relationship-based approach has enabled our business to continue to grow without cashflow stagnation. Having over 30 years’ experience in the home appliances industry, we wanted to work with a funder that understood our individual business needs and requirements as a niche all-in-one supply and installations firm. Having a funder with expertise in the construction sector, such as BFS, is a huge advantage to us.”


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Advance PM

Mor Cross

“Bibby Financial Services has been providing our firm with funding for over 18 years and we rely on a steady stream of funding to operate our business efficiently throughout the year. The additional funding also provides us with capital that we can put back into the business to grow our fleet of vehicles. As a haulage provider our fleet is at the heart of our business.”


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What is invoice finance?

There are two types of invoice finance available: factoring and invoice discounting. With factoring, we look after your credit control and collect payment from your customers. With invoice discounting, we provide funding for your invoices and you do the rest.

  • Immediate access to cash tied up in your unpaid invoices
  • Funding grows as your business grows
  • Reduces the time you spend chasing customer payments
  • Provides cashflow to fulfil orders, take on new sales and grow your business
  • Additional services to protect revenue if customers don't pay or default

Is BFS right for you?

Choosing the right funding partner for your business is important, so here are a few things you might not know about us:

  • Formed in 1982, we're one of the UK's largest independent SME funders
  • We're part of the Bibby Line Group, a family-owned business formed in 1807
  • We support SMEs throughout Europe and Asia, funding more than 9,000 businesses in 300 industry sectors worldwide
  • We manage more than £6bn in turnover each year on behalf of our clients
  • We're rated 'Excellent' on Trustpilot (we're working hard to maintain and improve this)

Latest news

Global Business Monitor

Cost-of-doing-business crisis: 2023 is the worst trading environment in 15 years according to international SMEs

News - 14 August 2023

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Bibby Financial Services acquires Aldermore’s Working Capital Finance division

Report - 27 May 2023

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Business resilience being put to the test

Report - 18 May 2023

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Get your cash flowing today by calling 0808 501 6462