{"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":"£100k","advance_rate":"Up to 90%","typical_rate":"0.5% to 3% service charge plus discount margin","setup_speed":"5 working days","confidential_invoice_discounting":true,"factoring":true,"rating":{"overall":4.4,"transparency":4,"speed":5,"flexibility":5},"summary":"The largest UK independent invoice finance provider by volume, family-owned, 40+ years in market. Strong on sector breadth (construction, recruitment, manufacturing, wholesale) and SME accessibility. Setup typically 5 working days, faster than bank competitors.","pros":["UK independent leader by volume, 9,000+ clients.","Sector-specialist underwriting teams for construction, recruitment, manufacturing.","Setup faster than high street banks (5 days vs 10-15).","Acquired Aldermore Working Capital Finance 2023, broadest UK panel."],"cons":["Service charge rate negotiable but rarely undercuts Close Brothers headline.","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":["Sub-£100k turnover","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"}}}