Bibby Financial Services Reviews

Bibby Financial Services provides tailored financial solutions, supporting small to medium businesses with flexible and efficient funding options.

Here are the Trustpilot Reviews from Bibby Financial Services:

Here are the Reviews from Bibby Financial Services:

Very satisfied. I have found Bibby professional and efficient. Communication is good and the facility has achieved what I wanted from it

PC Paul Conway

Very pleased with the services.

CL Cristina Lipan

Easy process from Start to finish Portal is super easy to use Everyone I've dealt with have been extremely helpful - special mention to Kristy, Maria, Joanne and Liam

MH Marissa Hobday

Cannot recommend Bibby enough. Cannot recommend Bibby enough. My onboarding experience has been excellent: Ahmar and Paige were so helpful in getting my application processed in a quick timescale allowing me to receive much-needed funds for my business cashflow, plus being generous and patient with their time answering my questions. Furthermore, I've felt really welcomed as a client with Relationship Managers Sarah and Wendy, and Pat for Credit Control. All in all, a really positive experience so far and no issues with getting my first couple of invoices processed and funded.

JO John

Pleased with the services, responsive and keen to help.

Finance Movers

I don’t usually write reviews, but I had such a great experience that I had to share. From start to finish, everything was smooth, easy, and honestly way better than I expected. Everyone was super friendly and helpful, specially Maria and Kristy also the whole onboarding team! and it really felt like they cared about my business. You don’t always get that kind of attention these days, so it definitely stood out. Most of the time once I signed up to a contract the level of service has always dropped and with Bibby I have been for over a year now and I think the service is even better. I would definitely recommend Bibby to any business!!

Link Recruitment and Education

Explore Bibby Financial Services' Finance Solutions:

Invoice Factoring

£50,000 - £10,000,000 (up to 90% of invoice value advanced)

Invoice Discounting

£250,000 - £10,000,000 (up to 90% of invoice value)

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Explore Bibby Financial Services' Finance Solutions:

Loan Type:

Invoice Factoring

Loan Range:

£50,000 - £10,000,000 (up to 90% of invoice value advanced)

Loan Terms:

Revolving facility with no fixed end date (reviewed annually)

Minimum Turnover and Trading Age:

Typically minimum £300,000 annual turnover and 6+ months trading

Interest Rate:

Service fee 0.5% - 3% of turnover plus discount charge 2% - 4% over base (representative)

Fees:

Service fee (percentage of gross invoices), discount charge (daily interest on funds used), set-up fee £500 - £2,000, CHAPS/TT fees, audit fees if applicable

Loan Type:

Invoice Discounting

Loan Range:

£250,000 - £10,000,000 (up to 90% of invoice value)

Loan Terms:

Rolling facility, reviewed annually

Minimum Turnover and Trading Age:

Usually £1,000,000+ annual turnover and strong in-house credit control

Interest Rate:

Service fee 0.1% - 1% of turnover plus discount charge 1.75% - 3.5% over base

Fees:

Set-up fee, service fee, discount charge, audit/renewal fees, CHAPS fees

Loan Type:

Forward Finance (Digital Invoice Finance)

Loan Range:

£10,000 - £300,000

Loan Terms:

Revolving line, month-to-month with no long contract (30-day notice)

Minimum Turnover and Trading Age:

£100,000+ turnover and 6+ months trading

Interest Rate:

Flat fee from 2% of invoice value per 30 days (no separate interest)

Fees:

Flat usage fee only; no set-up or maintenance fees stated

Loan Type:

Asset Based Lending (Receivables, Inventory, Plant & Machinery, Property)

Loan Range:

£1,000,000 - £50,000,000

Loan Terms:

Typically 1 – 3 year facility agreements with rolling renewals

Minimum Turnover and Trading Age:

Minimum £5,000,000 turnover and 2+ years trading

Interest Rate:

2% - 4% over base on receivables line; pricing tiers for other assets

Fees:

Arrangement fee 0.5% - 1.5% of facility, collateral management fees, audit fees, legal costs

Loan Type:

Trade Finance (Import & Export)

Loan Range:

£100,000 - £10,000,000 (transactional lines based on purchase orders)

Loan Terms:

Up to 120 days per transaction; revolving

Minimum Turnover and Trading Age:

£1,000,000 turnover and 12+ months trading

Interest Rate:

2% - 4.5% per 30 days over base (drawn balance)

Fees:

Transaction fee 1% - 2% of order value, LC issuance fees, FX margins

Loan Type:

Construction Finance (Application for Payment Funding)

Loan Range:

£100,000 - £5,000,000 (up to 70% of certified applications)

Loan Terms:

Rolling facility aligned to contract cycle

Minimum Turnover and Trading Age:

£500,000 turnover and 12 months trading in construction subcontracting

Interest Rate:

Service fee 1% - 3% of turnover plus discount charge 3% - 5% over base

Fees:

Arrangement fee, survey fee £1,000+, discount and service fees, audit costs

More About Bibby Financial Services

Bibby Financial Services Limited is an independent finance provider established in 1982 and part of the Bibby Line Group. It specialises in invoice finance, asset-based lending, and specialist sector funding. Authorised by the Financial Conduct Authority, it supports SMEs and mid-market businesses across the UK, offering facilities from £5,000 to £50 million. Bibby Financial Services may suit firms with established trading history seeking asset-backed or invoice-based finance. For businesses interested in this type of funding, further information is available on invoice financing and business loans.

Key Features of Bibby Financial Services

Bibby Financial Services offers a range of practical features designed to support business cash flow and financing needs.

Online client portal for funding requests, reporting, and management information accessible 24/7 via invoice financing tools
Dedicated UK relationship managers and in-house credit control teams to assist clients throughout the funding process
Optional Bad Debt Protection reducing risk for businesses dealing with customers on credit terms
Multi-currency funding and foreign exchange services for businesses trading internationally
Specialist sector teams in construction, recruitment, manufacturing, and transport providing tailored funding solutions

Funding Eligibility

You may qualify for Bibby Financial Services funding if your business meets certain trading and turnover requirements. Typical eligibility criteria include a trading history of six months to two years depending on product type and minimum turnovers ranging from £100,000 to £5 million. Personal guarantees and security over assets are commonly requested. For detailed criteria and guidance, review resources on loan eligibility requirements and strategies for meeting personal guarantee obligations.

Loan Options Available

Bibby Financial Services provides a flexible suite of asset-backed lending and invoice finance products designed for different business sizes and needs.

Forward Finance (Digital Invoice Finance): £10,000 to £300,000 revolving line with month-to-month terms; flat fee from 2% per 30 days. Ideal for early-stage SMEs requiring quick, fully online funding. More details at invoice financing.
Invoice Factoring: £50,000 to £10,000,000, advancing up to 90% of invoice value; no fixed end date, reviewed annually. Service fees range 0.5% to 3% of turnover plus discount charges 2% to 4% over base rate. Suitable for firms with minimum £300,000 turnover and six months trading. Details on invoice factoring.
Invoice Discounting: £250,000 to £10,000,000 rolling facility with annual review; service fees 0.1% to 1% of turnover plus discount charge 1.75% to 3.5% over base. Requires strong internal credit control and minimum turnover usually over £1 million. See invoice discounting for more.
Asset Based Lending: £1,000,000 to £50,000,000 facilities, typically 1 to 3 year terms with flexibility for complex asset structures. Interest from 2% to 4% over base rate with arrangement and management fees applicable. Requires minimum £5 million turnover and 2+ years trading. Learn more at asset-based lending.
Trade Finance: £100,000 to £10,000,000 revolving transactional lines up to 120 days. Interest rates between 2% - 4.5% per 30 days over base, supporting import and export purchase orders. Explore trade finance options.
Construction Finance: £100,000 to £5,000,000, up to 70% of certified applications funded; rolling facilities aligned to contract cycles. Fees and rates higher due to sector risk. Suitable for construction subcontractors with at least £500,000 turnover. Further information available on invoice financing.
Recruitment Finance: £100,000 to £10,000,000 revolving with weekly funding aligned to payroll; funding fees 1% to 3% of gross margin plus discount charge. For recruitment agencies with £500,000 projected turnover. Details on recruitment finance.

How to Apply

Applying to Bibby Financial Services typically involves submitting financial documents and completing an online enquiry, followed by credit and eligibility checks completed within days. Initial decision terms may be provided within 24-48 hours, with funding available shortly after legal completion.

Submit an online enquiry form accessible via the Funding Agent contact form to initiate the process
Provide required documentation such as recent management accounts, aged ledgers, bank statements, incorporation details, and sector-specific contracts or valuations
Await credit approval and facility agreement review—usually within three to seven working days
Complete legal documentation and receive funds typically within 24 hours of completion

Funding Agent's view on Bibby Financial Services

Bibby Financial Services is established and focused on asset-backed and invoice-related funding for SME and mid-market clients. It is suitable for businesses with a trading history seeking tailored working capital solutions from £10,000 to £50 million. It offers specialist sector expertise and a broad product range, but may be less suitable for micro-businesses needing unsecured finance or firms with significant consumer sales. To explore eligibility or compare other options, use our loan eligibility guide and comprehensive invoice finance overview.