{"schema_version":"2026-05-24","source":"https://marketinvoice.co.uk/data/uk-invoice-finance-rate-index/","license":"https://creativecommons.org/licenses/by/4.0/","provider":{"slug":"bibby-financial-services","name":"Bibby Financial Services","legal_name":"Bibby Financial Services Ltd","company_number":"03530461","founded_year":1982,"homepage":"https://www.bibbyfinancialservices.com/","profile_url":"https://marketinvoice.co.uk/providers/bibby/","product_type":"Invoice finance (factoring, CID, ABL)","cluster":"independent","minimum_turnover":"Not published","advance_rate":"Up to 95%","typical_rate":"Not published (quoted per facility)","setup_speed":"Not published","confidential_invoice_discounting":true,"factoring":true,"rating":{"overall":4.4,"transparency":4,"speed":5,"flexibility":5},"summary":"Describes itself as one of Europe's largest independent invoice finance providers, funding over 8,500 businesses; part of the family-owned Bibby Line Group and formed in 1982. Strong on sector breadth (construction, recruitment, manufacturing, wholesale) and SME accessibility.","pros":["Company-stated: one of Europe's largest independent invoice finance providers, funding over 8,500 businesses.","Sector-specialist underwriting teams for construction, recruitment, manufacturing.","Acquired Aldermore's Working Capital Finance division in June 2023 (announced by both firms)."],"cons":["No published service charge or minimum turnover, so it cannot be benchmarked without a quote.","Personal guarantee standard for smaller facilities.","Larger facilities reviewed by credit committee, slower than fintech."],"best_for":["Construction subcontractors","Recruitment agencies","SME manufacturing"],"weak_at":["Businesses wanting published pricing up front","Pure fintech speed expectations"],"last_reviewed":"2026-05-12","companies_house":{"registered_name":"BIBBY FINANCIAL SERVICES LIMITED","status":"active","incorporated":"1998-03-13","source":"https://find-and-update.company-information.service.gov.uk/company/03530461"}}}