Bibby Financial Services
The UK's largest independent invoice finance provider, part of the Bibby Line Group (Liverpool, founded 1807). Bibby has run as a finance brand since 1982 with the current trading entity incorporated in 1998. Strong on factoring, confidential invoice discounting and asset-based lending across construction, transport, manufacturing and recruitment.
Quick routing verdict
- Product: Invoice finance, factoring, asset-based lending.
- Ticket band: £25k to £25m+ facility.
- Decision time: 5 to 10 business days.
- Pricing: Service fee plus discount margin, quoted at offer.
- FCA-authorised.
At a glance
- Legal entity
- Bibby Financial Services Limited
- Companies House
- 03530461
- Founded
- 1982
- Product
- Invoice finance, factoring, asset-based lending
- Ticket range
- £25k to £25m+ facility
- Decision time
- 5 to 10 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Largest independent UK IF book; deep sector underwriting expertise.
- Full product range: factoring, CID, ABL and trade finance under one roof.
- Established broker channel with published service standards.
- PRA-adjacent FCA regulation on consumer-credit-touching products.
When we route elsewhere
- Pricing is service fee plus discount margin, not a single APR; comparison takes work.
- Hard search at full application stage.
- Slower than fintech alternatives; relationship-led not self-serve.
- Minimum facility size rules out the smallest SMEs.
Best fit applicants
- Established SMEs with B2B debtor books
- Construction, transport, manufacturing, recruitment
- £100k+ facility sizes
Where Bibby Financial Services is the wrong fit
- Sole traders without invoicing flow
- Sub-£25k facility needs
- Self-serve fast cash
If declined by Bibby Financial Services
If your application to Bibby Financial Services is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Bibby Financial Services decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Bibby Financial Services
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Bibby Financial Services and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.