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Join us on our growth journey

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.

Already an introducer with us?

To help you and your clients, we are actively enhancing the content that we provide you.

To connect you with content that we think will be useful, this dedicated page contains client case studies, product resources and the latest news and market insights.

Why partner with us?

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.

Relationship focused


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.

Meet the team

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.

Below you can view our core Invoice Finance leadership team, who work closely with our other business units; Bibby Asset Finance, Bibby Foreign Exchange and Bibby Marine Finance.

Stephen Hand

Stephen Hand

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. Steve joined BFS in 2022, and leads our passionate and experienced sales team of Invoice Finance specialists across the whole of the UK.

David Webb

David Webb

UK Head of Broker and Introducer

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. David has held multiple sales roles during his time at BFS, leading teams of Business Development Managers across various regions. He now focuses on developing our support for the intermediary community, improving how we engage with them and their clients.

Roger Brown

Roger Brown

Head of UK Partnerships

Roger has 30 years’ industry experience, working on a range of deals from small factoring to full Asset Based Lending. Having previously led the London and South East sales team, Roger now focuses on developing opportunities and building relationships with external partners. 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.

Danial Williams

Daniel Williams

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.

Steve Nixon

Steve Nixon

Regional Head of Corporate – Central and South

Steve has worked in Asset Based Lending and Invoice Financing for over 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 and his team offer financial solutions for our more complex clients.

Stuart Lee

Stuart Lee

National Business Manager

Stuart has worked in Invoice Finance within BFS for more than 8 years, specialising in commercial finance as a Business Development Manager for 6 years before moving into his current role as National Business Manager. Stuart oversees the BFS sales team across the UK to drive new business success.

Mike Day

Mike Day

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.

Steve Bentley

Steve Bentley

Head of Sales - South West

Steve has been working in financial services for over 35 years, with the last 20 years specialising in Invoice Finance – his true passion! During his career, Steve has led sales and client relationship teams both regionally and nationally. Most recently, Steve worked as Head of Invoice Finance at RBS/Natwest before joining BFS in 2021. Based in Bristol, Steve supports businesses in the South West.

Kelly Hamill

Kelly Hamill

Head of Sales – East Midlands

Kelly has worked in UK Banking and Commercial Finance for 30 years, with over half of this spent in Invoice Finance and Asset Finance. He has been working within BFS for the last 10 years, dealing with all aspects of Asset Based Lending. Kelly 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.

Melanie Ince

Melanie Ince

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.


Calogero Mingoia

Head of Sales – London

Calogero has worked across invoice finance and commercial finance for more than 16 years, with a specific focus on the construction sector. Prior to joining BFS, he worked at Lloyds Banking Group gaining experience across multiple roles, most recently as Head of Sales for London and East regions. Calogero is also is CIMA qualified to a Strategic Level.

Mark Turner

Mark Turner

Head of Sales – South East

Mark has over 20 years’ experience in Invoice Finance, Banking and Commercial finance. He has been at BFS for almost 10 years, working across both sales and operational roles allowing him to gain experience in client management and business development. Mark now leads the sales team in the South East, supporting SMEs in the region.

Our solutions

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.


Cashflow and working capital

Invoice Discounting

Gives your client more immediate access to cash tied up in unpaid invoices. Your client retains responsibility for credit control.


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.


Supporting International trade

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

Trade finance can provide the funds your clients need to purchase stock and fulfil orders. We work with trade specialists Seneca who provide this product, with any associated commissions for introductions you have given us payable by them. Suitable for limited companies.



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.

A snapshot of our clients


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.

Coffee cup

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.

Internation Trade

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.

Contact Us

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.