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What is Invoice Finance?

Invoice finance is the umbrella term for a type of funding that provides fast access to cash tied up in outstanding customer invoices. It's an alternative solution to traditional types of business finance and is much more flexible than an overdraft or loan - ideal for funding expansion plans or improving your cashflow. There are two main types: factoring and invoice discounting.

With factoring we provide both funding and credit control. With invoice discounting only the funding is provided.

Invoice Finance Benefits

  • Speed - Access to the funds held in your invoices within 24 hours so you don’t have to wait to be paid
  • Cost-effective – We aim to give you the best value we can based on your specific requirements.
  • Choice - Outsource your credit control and sales ledger management to our expert teams or handle them yourself
  • Personal - Our country-wide presence and relationship managers ensure we can give a more personal service
  • Control - Check your funding at all times with our 24/7 online management system
  • Confidentiality - Our confidential service means we won’t disclose you are using an invoice finance facility
  • Security - Protect against customer insolvency with Bad Debt Protection

    Download Your Simple Guide to Invoice Finance for more information.

How does Invoice Finance work?

Invoice raised

Step 1: Invoice

Simply send your invoice to your customers and a copy to Bibby Financial Services.

Receive funding

Step 2: Receive funding

We advance an agreed percentage of the invoice value to you within 24 hours.

Step 3: Customer payment

The remaining percentage, minus our fee is returned to you upon customer payment.

Contact Us

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Call us now, or set up a specific date and time for someone from our team to call you. 

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Fill in our short form and we will prepare a quote and send it you.


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Complete our quick contact form and we will call you to discuss your funding requirements.

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Invoice Discounting

Invoice Discounting enables you to access the cash tied up in outstanding invoices whilst maintaining the relationships you have built up with customers.


Funding for your invoices and credit control management service