What this page covers
This page covers
Invoice finance for Liverpool and Merseyside businesses, where Bibby Financial Services is based, and lenders' published terms
Not covered here
Provider reviews (see /providers/), industry-specific guides (see /industries/), cost calculator (see /calculator/), broker vs direct (see /why-use-a-broker/)
Bibby Financial Services and Liverpool
Bibby Financial Services is registered in Liverpool: its registered office is Walker House, Exchange Flags (Companies House, read 14 Oct 2026). That is a legal address, not a branch. Bibby's contact page gives its head office as Adderbury, Oxfordshire, and lists no Liverpool office; the nearest is in Manchester, at Salford Quays. A Liverpool business applies to Bibby the same way as any other UK business.
Lenders to compare
These lenders publish some of their terms on their own websites. It is a starting list, not a ranking, and none of them is chosen because of a Liverpool office.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Aldermore Invoice Finance | £750k | Up to 90% | aldermore.co.uk |
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
| NatWest Invoice Finance | £300k | Up to 90% | natwest.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Selling to a few big customers
If most of your invoices go to one or two buyers, such as a shipping line, an importer or a large manufacturer, a lender may cap how much it lends against each of them. Tell each lender who your main customers are at the start, and ask how it treats them. If you sell abroad, ask whether it funds export invoices; our export finance page explains the options.
What it costs
Lenders charge the same way in Liverpool as anywhere else in the UK: usually a service charge plus a discount charge on the money you draw, set as a margin over the Bank of England base rate. Most don't publish their fees, so you need a quote. Our invoice finance costs guide explains both charges, and the cost calculator gives a rough estimate.
Sectors that often use invoice finance
- Freight and logistics
- Manufacturing
- Construction subcontractors
- Import and export businesses
- Professional services
You can apply to a lender direct or compare through us. Our broker vs direct comparison explains the difference.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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