SME Finance

business Finance That Understands Your Needs and Supports Your Growth

One in four SMEs have struggled to secure funding in the past year.

43% say their need for finance has grown in just the last six months.

Whether you're fulfilling large orders, managing input costs, or investing in production capability,, when demand rises or cash flow is stretched, access to external finance is critical.

SME finance traditionally includes overdraft, business loan, asset based lending, designed to give established businesses the working capital and liquidity to manage high operational costs, take on larger contracts, hire staff or invest in capital equipment.

However, to avoid approval delays and limitations of a traditional credit facility, SMEs are now choosing alternative finance, in particular, a revolving working‑capital facility backed by Invoice Finance.

Our partnership with SBCI lets us pass on discounted rates to your Bibby funding line and our strategic collaboration with PTSB delivers supports complex transactions like M&A and MBO.

Our clients rely on our experience and insight, and they know exactly who to call - real people who are invested in their success.

 

How can SME Finance help your business?

Submit

Access fast, flexible funding when traditional funding options fall short

 
Access

Improve cash flow without fixed debt of bank overdrafts

 
Collect

Support day-to-day operations and investing for growth with scalable finance

 
Pay

Strengthen supplier relationships by paying early and securing better contract terms

How to get in touch with us…

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Make an enquiry

Here’s what our clients have to say…

Promac

Sector: Mechanical Solutions
Location: Munster

Weatherglaze Windows

Sector: Windows Manufacturing
Location: Leinster

Read more

Allpro Security Services

Sector: Facilities management
Location: Ulster

Read more

Is SME Finance right for you?

An Invoice Finance facility helps you unlock cash tied up in your sales ledger, giving you faster access to working capital. It’s a flexible funding solution that grows with your business — as your sales grow, your funding can too.

It is perfect for you if:

 

 

tick Your business is registered in Ireland

tick Your business an annual turnover of 750K or more

tick You provide goods and/or services to other businesses on credit terms of 30 to 90 days

tick You have strong credit management and control reporting tools 


Choosing Bibby Financial Services as your Finance Partner

  • We fund your future, not just your financials
  • €70 million delivered through SBCI, backing 300+ Irish SMEs
  • Strategic partnership with PTSB, Ireland’s leading business banking partner
  • 8,500+ businesses across 300 sectors have chosen us
  • 89% of clients rate us highly for service and support
  • Nearly 20 years helping Irish SMEs grow with confidence
  • Deep industry insight to guide your next move
  • We build real partnerships, not just finance solutions