Invoice Finance
What is invoice Finance?
Invoice Finance allows you to get access to funds within 24-hours instead of waiting 30–90 days to be paid by your customers.
This improves cash flow, helping you pay suppliers, invest in growth, and take on new opportunities with confidence.
With almost 25% of SMEs experiencing cashflow worries, Invoice Finance can help keep you ahead of the crowd.
Three reasons to use Invoice Finance...
Access your cash within 24 hours of set up
Our team will get to know your business and recommend the best Invoice Finance product for you. They will work with you get you set up so you can access funding fast.
Funding that grows with your business
As Invoice Finance is directly liked to your invoicing, selling more gives you access to increased funding.
Avoid taking on additional debt
Invoice Finance is not a fixed-term debt paid down every month. It is a funding line that tracks your invoicing.
Growing a business with Invoice Finance
Client story: FORT Builders' Merchants
Invoice Finance allows the business to bridge the gap between customer invoices and supplier payments giving them the ability to invest and build for the future with a completely flexible funding line.
Speak with our expert team
There is an Invoice Finance solution for every need...
What if I need help with credit control?
If you would rather focus your team more on keeping your business moving and less on collecting customer payments, Factoring could be the right solution for you. Our dedicated credit control team collect your outstanding invoices, freeing up your time to concentrate on running your business.
What if I want to manage customer payments myself?
If you choose Invoice Discounting you’ll benefit from your cash in advance of customers paying but you’ll maintain responsibility for collecting customer payments. Your use of Invoice Finance will be kept completely confidential from your customers.
What if I get paid in stages?
We have specialist finance solutions to support businesses that work on a contractual basis. This type of financing works well for industries like construction where contracts are often long and invoiced in stages. We have provided specialist finance for construction for over twenty years.
What if my customer doesn’t pay?
Many businesses that use Invoice Finance also choose Bad Debt Protection to make sure that they still receive payment if their customers can’t settle their invoices.
What if I have customers overseas?
Depending on how much you trade overseas, our specialist Export Finance solution could be more suitable. Our Foreign Exchange services can also help you trade more effectively and reduce exposure to currency fluctuations.
What if I need to pay temporary staff?
Our Recruitment Finance solution provides funding to enable payment of staff whilst you are waiting for clients to pay. You can also choose payroll support.
Why choose Bibby Financial Services?
Flexible
As a family-owned business, our independence and experience enables a tailored approach. Often, when others say no, we say now!
Relationship focused
We believe business is personal. We get to know our clients and understand their needs. You’ll know who in the team to call, not just a number.
Trusted
We are rated excellent on Trustpilot. We’ve been supporting businesses for over 40 years and a new customer joins us every 86 minutes!
How we have helped other businesses
We’ve been supporting businesses for over 40 years across a wide range of business sectors…
£2 million funding provided
We provided a £2 million Confidential Invoice Discounting facility to support the growth aspirations of Midlands-based logistics business, which was subject to an MBO in 2022. Our client chose to work with us due to our expertise within the logistics industry and our ability to fund contractual debt.
- Industry sector:
- Transport & logistics
- Solution:
- Confidential Invoice Discounting
£650k funding provided
We supported a leading packaging solution manufacturer with a £650,000 Factoring facility. This provided them with the crucial funding they needed to maintain and grow their operations after their existing lender no longer wanted to offer them a facility.
- Industry sector:
- Manufacturing
- Solution:
- Invoice Factoring
£500k funding provided
We funded a specialist electrical and mechanical engineering business with a £500,000 Confidential Construction Finance facility to support working capital and growth aspirations. Our client chose to work with us because of our specialist knowledge and experience within the sector, and our ability to fund various types of contracts for a variety of end customers.
- Industry sector:
- Construction
- Solution:
- Construction Finance
£100k funding provided
We supported a specialist automotive employment agency with a £100,000 Recruitment Finance facility to help them move from their current provider and support their future growth. Our facility provides increased flexibility of funding, with a full back-office solution including software that enables them to monitor and manage their candidates.
- Industry sector:
- Recruitment
- Solution:
- Recruitment Finance
£4.5m funding provided
We supported a leading, family-run manufacturer with a £4.5 million Confidential Invoice Discounting facility. The funding we provided gave the business the additional cash and headroom it needed to facilitate its exponential growth.
- Industry sector:
- Manufacturing
- Solution:
- Invoice Discounting
£150k funding provided
We supported a wholesaler of plumbing and heating supplies with a £150,000 Confidential Factoring facility. As a new business, our funding will enable them to grow organically when their bank was unable to help due to their infancy.
- Industry sector:
- Wholesale
- Solution:
- Invoice Factoring
What our clients say...
Take time out and read about our Invoice Finance solutions in our guide.
Frequently asked questions
We have pulled together a list of questions that we hear most often from other people looking for invoice finance.