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BFS are one of the UK’s largest independent SME funders, offering flexible, tailored finance solutions to businesses for more than 40 years.
We are growing our business and it is our ambition to continue to build new, and strengthen our existing intermediary partnerships.
We have a positive culture, a passionate and driven sales team and a product range that enables us to unlock value for you and your clients. With over £1 billion of funding available, as well as the risk appetite and operational support to help UK SMEs, we’re open for business!
If you don’t currently have a point of contact at BFS, we’d love to hear from you. Find out more about partnering with us and request a call back using the form below.
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Our partners receive commission on new client relationships introduced to us. Alongside the commercial advantages of partnering with us, here are some other key benefits.
You’ll be assigned a dedicated sales contact who will be in touch regularly, so you’ll know who to call when you’ve got a suitable client.
We’re a trusted, professional financial partner funding businesses for four decades. We support more than 9,000 businesses throughout Europe and Asia, in 300 industry sectors.
As a family owned, independent funder, we have the flexibility to tailor to the needs of both you as a partner and your client.
You’ll be supported by our friendly and approachable team of over 75 specialist sales people across the UK, led by our experienced Regional Heads of Sales.
UK Sales Director
Steve has over 20 years’ experience in financial services and spent 13 years working in Lloyds Banking Group within commercial finance for SMEs. He has held a variety of leadership positions within Lloyds, most recently as National Head of Invoice and Asset Finance Sales.
Regional Head of Corporate – North
Dan has over 15 years’ experience within commercial finance and corporate banking across the SME and mid-market space. Dan heads up the Corporate North team which supports a range of transactions including Working Capital & Cashflow.
Regional Head of Corporate – Central and South
Steve has been in the Asset Based Lending and Invoice Financing world for more than 25 years, holding a variety of positions including many years as Southern Sales Director for one of the industry’s leading asset based lenders. Steve leads the Corporate South team, offering financial solutions for our largest and more complex clients.
Head of Sales - South West
Steve has been in financial services for over 35 years, with the last 20 years specialising in Invoice Finance. Steve has managed teams regionally and nationally, working as Head of Invoice Finance at RBS/Natwest before joining BFS.
Head of Sales – East Midlands
Kelly has over 30 years Invoice Finance and Asset Finance Experience. He and his experienced team support a range of transactions, including working capital and cashflow, import and export, MBIs and MBOs and funding of contractual debt, including in the construction sector.
Head of Sales – North West
Mel has over 30 years’ experience in the invoice finance industry. She spent 20 years at Lloyds Commercial Finance prior to making the move to BFS, where she worked in operations before she joined the sales team 7 years ago.
Head of Sales – West Midlands
David has over 35 years’ experience in financial services, having worked in Retail Banking at Barclays Bank and Asset Finance at First National Bank prior to joining BFS. He specialises in Asset Based Lending packages, offering structured finance solutions for complex and/ or distressed situations.
Head of Sales - London and South East
Roger has 30 years’ industry experience, working on a range of deals from small factoring to full Asset Based Lending. He has been a strong people leader for the last 15 years of his career, and also sits on the Board of the Park Royal Business Group which supports the largest industrial estate in the UK.
Head of Sales – Yorkshire, Scotland and North East
Mike has over 30 years of Invoice Finance and banking experience. Having joined a high street bank when he left school, Mike worked in retail and business banking before making the move to the bank’s Invoice Finance division, in both operational and sales roles.
As well as providing a range of standalone finance solutions, we can also provide your clients with Asset Based Lending (ABL) packages to maximise the support we can make available.
Invoice Discounting
Gives your client more immediate access to cash tied up in unpaid invoices. Your client retains responsibility for credit control.
Factoring
Gives your client more immediate access to cash tied up in unpaid invoices. We handle your client’s credit control.
Asset Finance
Allows your client to release cash from existing assets or remove the need for significant upfront investment. We offer Leasing, Hire Purchase and Refinancing solutions.
Cashflow Advance
Releases additional funding which, combined with the client’s core Invoice Finance facility, provides up to 100% of their approved sales ledger.
Foreign Exchange
We offer spot conversions for immediate needs or forward contracts to minimise the risk of future currency fluctuations.
Export Finance
Helps exporters better manage overseas relationships, bridging the gap between raising an invoice and getting paid. Our specialist team provide language, currency, time zone and legal support.
Trade Finance
Works alongside Invoice Financing to support your clients through the whole trade cycle, from initial order to customer payment.
Construction Finance
We advance cash against applications for payment and invoices. This allows your client to meet payment obligations through the various stages of a contract.
Contractual Debt Finance
Supports clients that work on a contractual basis. It advances funds against part payments within a contract.
Recruitment Finance
Gives your recruitment agency clients more immediate access to cash tied up in unpaid invoices, alongside credit control and payroll support.
Bad Debt Protection
Used alongside Invoice Financing to give your client peace of mind by protecting their business against the impact of a customer’s insolvency or inability to pay.
Product: Invoice Discounting Funding line: £3 million Sector: Retail
We funded our client who is a retail point-of-sales manufacturer with a £3 million Invoice Discounting package enabling them to upgrade their factory facility and safeguard local workforce.
Product: Invoice Discounting Funding line: £375,000 Sector: Hospitality
We funded our Yorkshire-based brewery client with a £375,000 Confidential Invoice Discounting package to support cashflow and enable the founders to focus on growth.
Product: Invoice Discounting Funding line: £750,000 Sector: Manufacturing
Our client has been with us since they started trading 21 years ago. Our funding has enabled them to grow over the years, and take away their cashflow worries. They needed credit control support at first, but have since been able to bring this in-house.
Product: Forward Finance Funding line: £50,000 Sector: Construction
Our client recently developed a new, innovative scaffolding stand and needed some funding to help launch it to market. Having not used Invoice Finance as a funding solution before, we supported with a £50,000 Forward Finance package.
Product: Factoring Funding line: £2 million Sector: Marine & Offshore
With our support, our client purchased land to build their own premises in 2020, providing them with more room to hold stock and improved office space. Our funding has given them the confidence to grow from a £2 million turnover business to £12 million during their 10+ years with us.
Product: Asset Based Lending Funding line: £3 million Sector: Construction
Our client was offered the opportunity to buy back the waste water solutions company he founded in 2003. We provided a £3m Asset Based Lending package made up of a £2m Asset Finance line and a £1m Invoice Discounting facility to support the acquisition.
If you are new to BFS or don’t currently have an up-to-date point of contact, give us a call on 0808 501 6619 or fill out your details below and we’ll be in touch.