This profile summarises published product information from Bibby Financial Services and sets out questions for a quotation. It is based on public information rather than hands-on testing or customer-service research. Inclusion does not imply a partnership or recommendation.
Published product features
Bibby describes invoice discounting with advances of up to 95% and access often within 24 hours of issuing invoices. It states that the business keeps responsibility for collecting payments and managing customer relationships.
“Up to” figures describe a product maximum. The percentage and amount available to your business depend on approval, eligible debts, limits, reserves and the agreed conditions. The initial setup process may take longer than a published routine funding time.
Product details to confirm
Bibby also publishes other invoice-finance, construction and export services. Compare the specific structure proposed: a specialist product can differ from a standard discounting facility in what debts qualify and what work the provider performs.
Costs and eligibility
Request a written quotation covering the discount rate, service-fee base, minimum charges, setup and legal costs, any protection premium, review provisions and termination fees. Confirm the criteria directly because published product information can change.
Compare that quote using the same expected sales, average drawings, collection days and contract term as the other proposals you receive. Ask for a worked opening cash-availability statement based on your own aged ledger.
Questions to ask
- Which product fits our contracts and collection process?
- Is the proposed arrangement confidential or disclosed?
- How do minimum fees and reserves affect usable funding?
- What optional bad-debt protection is available and on what terms?
When to look at alternatives
If the provider does not accept a large part of your ledger, compare other structures rather than focusing only on its headline rate. Selective finance may address occasional needs; factoring may add a collections service; other working-capital products may be relevant before invoices exist.
How to use this profile
Use the official product link below to check current features and contact the provider. Confirm the terms offered to your business in writing before making a decision.
Sources and verification
Published material checked on 24 October 2026. Provider terms can change; confirm them before applying. Examples and comparison methods are our own illustrations.
