Bibby Financial Services: products, terms and eligibility

Bibby Financial Services is a UK provider of invoice finance. The legal entity named on its site is Bibby Financial Services Ltd, company number 03530461. It is based in Liverpool. It gives its founding year as Formed in 1982. It is part of Bibby Line Group.

Bibby Financial Services was founded in 1982 as a factoring business by Bibby Line Group, which it describes as one of the UK’s oldest family-owned businesses, established in 1807, and became a wholly owned subsidiary named Bibby Financial Services in 1985. It lists international expansion from 2002 (including Poland, North America, France, Ireland, Germany, Singapore and the Netherlands), a marine finance division in 2023, and the acquisition of Aldermore’s working capital finance division in 2023. It says it now operates across nine countries in Europe and Asia.

In its own words on scale:

• Says it supports more than 8,500 businesses in 300 industry sectors worldwide (figure on its site in October 2026).
• Says it manages more than £6bn in customer turnover each year (figure on its site in October 2026).

Everything on this page comes from what Bibby Financial Services publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Bibby Financial Services publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Invoice factoring: Advance on issuing the invoice; balance, less agreed fees, when the customer pays; Bibby can manage credit control and collections.
• Confidential invoice discounting: As above; you collect customer payments yourself and the facility can stay confidential.
• Asset finance (leasing, hire purchase, refinancing): Leasing: asset returned or used on for an additional charge; hire purchase: cost spread over the term and the asset is yours at the end.

Invoice factoring

Bibby advances up to 85% of invoice value against the sales ledger, which serves as the security for the facility. Bibby’s team handles credit control and collects outstanding invoices on the business’s behalf. It describes this as releasing money already earned rather than traditional debt, with specialist options for contractual or staged-payment and export businesses.

Confidential invoice discounting

The same advance of up to 85% of invoice value is available, but the business keeps responsibility for collecting payments and the arrangement is kept confidential from its customers. The sales ledger is the collateral.

Asset finance (leasing, hire purchase, refinancing)

It funds hard assets such as vehicles, plant and machinery and over 100 types of soft assets such as IT, software, AV equipment, cleaning equipment and scaffolding, up to £5 million per asset. With leasing, Bibby buys the equipment and leases it to the business, which can return it or continue using it at the end. With hire purchase the business spreads the cost and owns the asset at the end of the term. Refinancing releases cash from assets the business already owns while it keeps using them.

Bibby Financial Services says its finance is used for:

• Releasing cash tied up in unpaid invoices
• Funding growth
• Buying equipment and vehicles
• Releasing cash from owned assets
• Export and trade finance

Sectors and business types it says it funds:

• Construction
• Manufacturing
• Logistics
• Recruitment
• Wholesale
• Automotive
• Aviation
• Printing

Bibby Financial Services publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Invoice finance typically suits businesses that sell to other businesses (B2B).
• Invoices customers on credit terms of 30 to 90 days.
• Business based in the UK.
• Amount available depends on sector, debtors and other factors.

Bibby Financial Services describes its process like this:

1. Contact the team by phone or enquiry form.
2. Bibby discusses the business’s needs and recommends a facility.
3. The facility is set up.
4. The business funds against invoices or assets under the agreed facility.

Every application is subject to status and the lender’s own criteria at the time.

Invoice finance releases cash tied up in unpaid invoices: the provider advances part of an invoice’s value when you raise it and pays the balance, less its charges, when your customer pays. With factoring the provider collects from your customers; with invoice discounting you keep collecting yourself.

Providers assess your customers as much as your own business: who owes you, on what terms and how concentrated the debt is. It suits firms that sell on credit to other businesses, such as recruitment agencies and manufacturers.

Points Bibby Financial Services publishes that are worth knowing:

• Bad Debt Protection is an optional extra on invoice finance facilities.
• Specialist solutions listed for construction, recruitment, marine and international trade.

Security and guarantees

For invoice finance, the sales ledger serves as the security for the facility. Turnover minimums, personal guarantee requirements and asset finance security terms are not stated on the pages read.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Bibby Financial Services how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of invoice finance with profiles here include Cynergy Business Finance (Cynergy Bank), eCapital (UK) and Hydr. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.