Join our growing partner network
Working with Bibby Financial Services
As one of the UK’s largest independent SME funders, Bibby Financial Services has been offering flexible, tailored finance solutions for over 40 years.
We're looking forward to you joining our growing network of introducers as we continue to expand our business and enhance our partnerships. Together, we are fully equipped to assist UK SMEs in their growth and success.
At BFS, our mission is to build and strengthen relationships with our intermediaries. We bring:
- over £1 billion of funding—backed by a robust risk appetite and comprehensive operational support.
- a diverse range of products designed for you and your clients.
- a positive culture
- a passionate and driven sales team
As a new partner, you will have direct access to our dedicated team, ready to support and collaborate with you. As you embark on this new journey with us, we are committed to providing you with all the tools and guidance necessary to thrive in our partnership.
Don't forget, alongside Invoice Finance, we also welcome introductions to clients who trade internationally and can benefit from our Foreign Exchange services. Please don’t hesitate to reach out if you have any questions or need further information. We are here to help every step of the way.
How to spot if Invoice Finance is right for your client
Your client is looking to grow
- Do they need a bigger cash reserve to take on more staff, or purchase new equipment and assets?
Your client Is experiencing cashflow pressures.
Signs could include:
- Fluctuations in their bank account balance
- Struggling to keep up with creditor or HMRC payments, fulfil orders or pay staff wages due to a lack of cash in the business
- Having difficulties with late payments from customers
- Having funding issues with their existing provider or struggling to source external funding, for example through a business loan or overdraft
Your client is a Phoenix Company or New.co
- If your client is just starting up
- If your client is looking for a smooth transition as they start to rebuild.
FAQs: What you need to know about working with BFS
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. We also offer Bad Debt Protection which can be used alongside Invoice Finance to protect your client’s business against the impact of a customer’s insolvency or inability to pay.
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.
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.
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 a number of trade specialists who provide this product, with any associated commissions for introductions you have given us payable by them. Suitable for limited companies.
Specialist solutions
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.
Marine Finance
Provides bespoke financing options for a broad range of vessel types, including workboats, tugs, barges, survey vessels, passenger ferries, and wind farm service vessels.
Product resources
Guide: Find out more about our range of finance solutions and how they can help your clients to thrive and grow.
Video: This short explainer video details how our Invoice Finance solution works and how it can help your clients. This video can be used with your clients.
Video: This short explainer video looks at the benefits of our specialist Construction Finance solution and how it works. This video can be used with your clients.
More guides
- Invoice Finance
- Construction Finance
- Corporate Funding
- Cashflow Loan
- Export Finance
- Foreign Exchange
- Asset Finance
- Protecting your business from bad debt
- Cashflow Advance (for clients with a turnover greater than£5m)
- Cashflow Advance (for clients with a turnover greater than£750k)
Terms of Business
Find all the details you need about our partnership guidelines and agreements. Click here to view our standard terms of business.