Our story

One of the first things I noticed when I joined BFS was the passion our teams have for helping SMEs to grow. This isn’t just work – it’s something we really care about.

We believe every business has the potential to grow. They just need the right support around them to make this happen.

BFS was formed 40 years ago, and since this time, the needs of our customers have changed significantly. Though the way in which we help SMEs to grow has also changed, our commitment to going the extra mile in helping SMEs to take on new orders, expand into new markets or take advantage of new opportunities has been consistent.

We’re not content with simply funding businesses. We’re committed to working with them to overcome barriers to growth, putting into practice our 40 years’ of experience so that we can succeed together. It’s for this reason we recruit, develop and keep great people who live our values and demonstrate a passion for supporting our customers every day

“As part of one of the UK’s oldest family-owned businesses, we believe our responsibility expands beyond our customers and colleagues.”

We want to contribute positively to local communities and play our part in creating a sustainable future for generations to come. We’re one team connecting and collaborating with the world around us to work towards better outcomes for all.

It’s this belief in a wider purpose of business that drives us forward and enables us to positively connect with our customers, and the communities in which will live and work

Jonathan Andrew

Jonathan Andrew
Chief Executive Officer

Our support for business


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 across 9 countries 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 and have a client satisfaction rating of 87%


Our Compass initiative focuses on our commitment to responsible business practices

Our purpose

Business finance can be complicated, but what we do is simple in reality:

“Guided by our family values, we make SME ambitions possible by providing reliable, accessible and future focused financial solutions.”

Star Our Values

Work Together
Be Better
Be Innovative
Do the Right Thing
Trust Each Other

Handshake Who we are

A highly customer-centred business partner providing access to flexible finance and working capital solutions that enable SMEs to thrive and grow.

Handshake Why we exist

The backbone of our communities, we’re here to be a constant, professional and reliable partner for SMEs in need of flexible financial solutions.

clipboard What we do

We offer trustworthy, professional financial partnering and business companionship to SMEs.

We provide SMEs high quality, competitive, access to flexible and tailored finance in any season and for every business stage.

clipboard How we do it

Our DNA - a long established family business

Our local community impact - a global business with a local touch

Our people - colleagues empowered by our highly inclusive, continuous improvement-led and collaborative culture

Our history



Bibby Line Group establishes a factoring business in Liverpool

Founded in 1807, the group is one of the longest established family businesses in the UK

BFS logo


The birth of a new financial services business

The factoring business is migrated to a wholly owned subsidiary named Bibby Financial Services



New offices opened on two different continents

Bibby Financial Services opens in Warsaw, Poland, and Florida, US



Office openings in France, Ireland and Canada

During 2005-06 offices open in Lyon, Dublin and Toronto



Launching in Eastern Europe

The Czech Republic and Slovakia offices open



New European premises and acquisitions

A new office is opened in Dusseldorf, Germany, while the business completes several company acquisitions



Expansion in Asia

Bibby Financial Services opens its door to business in Singapore



New offices opened in Malaysia and the Netherlands

Bibby Financial Services also launches its Foreign Exchange service



Our first office in Wales

The company also launches its Stock Finance service

BFS 40


Today, we support 9,000 business worldwide

We're celebrating 40 years of helping businesses to survive, thrive and grow

Is BFS right for you?

We’ve been supporting SMEs for 40 years, and as an SME ourselves, we understand the challenges businesses face when looking to grow. We’re always striving to be better, and we aim to:

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Provide our clients with a personal, relationship based approach with technology to support

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Enable clients to access the funding they need, when they need it so they can grow

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Be honest and clear in all of our communications

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Create a culture and environment in which colleagues can grow and develop

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Positively contribute to the community in which we work

Get your cash flowing today by calling 0808 501 6462