Bibby Financial Services vs IGF (Independent Growth Finance): UK Invoice Finance Comparison 2026
See how Bibby Financial Services compares to IGF (Independent Growth Finance) side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
Both are UK invoice finance providers outside the high street banks. Bibby Financial Services advances up to 85%, setup time not published; IGF (Independent Growth Finance) advances up to 90% (receivables); stock up to 85%, plant up to 75%, setup time not published. Bibby Financial Services does not publish a minimum turnover figure, IGF (Independent Growth Finance) needs £5m minimum turnover.
Side-by-side
Full reviews: Bibby Financial Services · IGF (Independent Growth Finance)
| Compared on | Bibby Financial Services | IGF (Independent Growth Finance) |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance (ABL, CID), asset-based lending |
| Min turnover | Not published | £5m |
| Advance rate | Up to 85% | Up to 90% (receivables); stock up to 85%, plant up to 75% |
| Typical fee | Not published (quoted per facility) | Bespoke pricing |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | Not published | Not published |
Sources for these figures: Bibby Financial Services: advance rate · Bibby Financial Services: founding date · Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023) · IGF: up to 90% of trade debtor value, up to 85% of eligible stock, up to 75% of plant and machinery value, facilities £2m to £25m, over £600m under management (March 2025) · IGF: UK businesses with over £5m annual turnover
When Bibby Financial Services wins
- Sector-specialist underwriting teams for construction, recruitment, manufacturing.
- Acquired Aldermore's Working Capital Finance division in June 2023 (announced by both firms).
Best for
Construction subcontractors, Recruitment agencies, SME manufacturing.
Watch outs
- Personal guarantee standard for smaller facilities.
When IGF (Independent Growth Finance) wins
- ABL specialist: receivables + stock + plant under one facility.
- Facilities of £2m to £25m, where monoline IF lenders cap out.
Best for
Businesses over £5m turnover needing £2m or more, Complex ABL needs (receivables + stock), Turnarounds and refinancing (igfgroup.com about page).
Watch outs
- Facilities start around £2m, so smaller SMEs are out of scope.
FAQ
Bibby Financial Services or IGF (Independent Growth Finance): which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on minimum turnover (Bibby Financial Services: minimum turnover not published; IGF (Independent Growth Finance): £5m minimum turnover), and the most they advance (Bibby Financial Services: up to 85%; IGF (Independent Growth Finance): up to 90% (receivables); stock up to 85%, plant up to 75%). Start with the one whose published terms fit your business, then compare a quote from each.
How do Bibby Financial Services and IGF (Independent Growth Finance) price their facilities?
Neither publishes its pricing; both quote per facility. Get a written quote from each on the same invoices and compare the total cost.
Can I get a confidential facility with either Bibby Financial Services or IGF (Independent Growth Finance)?
Both Bibby Financial Services and IGF (Independent Growth Finance) offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
IGF (Independent Growth Finance) is a poor fit for businesses under £5m turnover. If that describes your business, you can get 3 free quotes through our quote form.
Can Market Invoice help me choose between Bibby Financial Services and IGF (Independent Growth Finance)?
Yes. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full Bibby Financial Services review
- Full IGF (Independent Growth Finance) review
- Close Brothers Invoice Finance vs Ultimate Finance
- Aldermore Invoice Finance vs Close Brothers Invoice Finance
- Allianz Trade vs Close Brothers Invoice Finance
- All UK invoice finance comparisons
- Browse every reviewed UK invoice finance provider
- UK invoice finance by region
Sources
- Figures for Bibby Financial Services come from its own website.
- Figures for IGF (Independent Growth Finance) come from its own website.
- Bibby Financial Services: advance rate
- Bibby Financial Services: founding date
- Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
- IGF: up to 90% of trade debtor value, up to 85% of eligible stock, up to 75% of plant and machinery value, facilities £2m to £25m, over £600m under management (March 2025)
- IGF: UK businesses with over £5m annual turnover
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. Our introduction partner, a UK invoice finance provider, handles your enquiry and comes back to you with quotes. Free, and no obligation to proceed.
Get my 3 quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
Compare Bibby Financial Services and IGF (Independent Growth Finance) quotes
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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. How we are funded.
Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to Kriya, Allica Bank or to any provider named on this page. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; this is never added to your costs. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.