Your guide to our services

Your guide to our services

Working together to help your clients Bibby Financial Services works with a strong and diverse network of financial intermediaries, such as finance brokers, insolvency practitioners, solicitors and accountants to name a few. They each play a role in referring new business to our Group enabling us to assist many businesses throughout the UK with their invoice finance needs. Our range We can help your clients by offering an extensive range of flexible and competitive finance solutions to match their type of business and situation, covering: Factoring with and without bad debt protection Confidential Factoring Selective Factoring Invoice Discounting disclosed and confidential Export Factoring Trade Finance Recruitment Finance Construction Finance Invoice Finance for the IT sector Business Support Services Benefits of our services Improves cash flow by releasing cash from existing business assets invoices, applications for payment, contracts or confirmed orders. Enables confirmed orders to be fulfilled through pre-purchase funding. Frees the client from the burden of chasing customers for payment. Frees up valuable management time, enabling clients to get on and run their business. Bad debt protection available, providing added security and peace of mind. Can help the exporter reduce the risks and administrative burdens normally associated with exporting. Credit checks available to minimise trading risk and give clients peace of mind.

A guide to our services Service Turnover Requirements Features Factoring From start up Financial accounts if available Comprehensive sales ledger administration and telephone credit control services Selective facilities available Specialist BACS payment services ensuring quick and easy payment to suppliers, customers, staff etc Confidential Factoring Disclosed Invoice Discounting Confidential Invoice Discounting 500k Financial accounts Good credit control systems 500k Positive net worth Financial accounts 500k Positive net worth Good credit control systems Financial accounts Comprehensive confidential sales ledger administration and telephone credit control services Customers unaware of Bibby s Involvement Client undertakes own credit control Client undertakes own credit control Customers unaware of Bibby s involvement Export Factoring 100k + Financial accounts if available Will consider start up businesses Up to 85% funding against outstanding domestic and overseas invoices within 24 hours Full range of currency funding and collections services available Overseas collection administered by in house multilingual team or via our overseas network of companies Network of overseas bank accounts making it easy for clients customers to make payment Specialist BACS payment services ensuring quick and easy payment to suppliers, customers, staff etc

Service Turnover Requirements Features Trade Finance Minimum forecast 250k Good quality debtors Financial accounts New start companies - 6 month forecasts Trade finance solutions available when linked to an invoice finance facility Upfront funding against confirmed orders or one off sales An advance of up to 80% of the purchase price of all presold goods Funding of VAT, Duty and freight costs Comprehensive sales ledger administration and telephone credit control services by dedicated team who understand stipulations of overseas trade Recruitment Finance From start up N/A Preparation and distribution of sales invoices, each carrying client s corporate style and branding Up to 100% funding against outstanding invoices within 24 hours Comprehensive sales ledger administration and telephone credit control services Full payroll facility provided for client s employees and candidates placed Unique online client management system with instant access to detailed client and candidate information VAT & PAYE management services available Construction Finance 100k+ Registered under CIS Scheme Papertrail available to support billing under contract Funding provided against invoices and uncertified applications for payment, under most forms of industry contract Up to 70% funding (net of industry deductions) on deals up to 50k funds out Up to 55% funding (net of industry deductions) on deals 50k+ to 250k funds out Bespoke advance percentage on 250k+ funds out Bad debt protection provided against both invoices and applications for payment Confidential and disclosed facilities available Full quantity surveying Comprehensive, confidential and accurate contractual ledger management Dedicated construction finance teams Finance for IT 500k Positive net worth Robust financial forecasts UK Resident Home Owner Up to 70% funding against outstanding invoices and stage payments Ability to fund complex contractual arrangements Comprehensive sales ledger administration and telephone credit control services Confidential facilities available Business Support Services N/A N/A A range of business support solutions that have been designed to free up clients valuable management time. Services include: management accounts and reporting, VAT and PAYE, health and safety, expense claims, personnel and employment law, BACS payment services

Working together six easy steps to getting the right funding facility for your clients. Step 1 Fast response, local manager Your introduction will be responded to quickly and professionally by an experienced local Business Development Manager. Your introductions will be handled with care and integrity keeping you informed at all times during the negotiations and then ongoing when your client chooses to become a Bibby client. Step 2 Business review We will usually conduct a detailed business review and will work quickly to ascertain the most suitable facility for your client. Following this we will provide you and your client with a clear idea of all the options, ensuring the solution offered is right for their individual business needs. Step 3 Fast decisions, access to cash Once the facility is in place, your client can swiftly access the cash tied up in their sales ledger. Step 4 Comprehensive reporting at the touch of a button Your client can access information on every aspect of their sales ledger with us via our online system. This in turn often helps make auditing faster and easier. Step 5 Personal care Your client will be allocated a local client manager ensuring that the service they receive is the most appropriate for their needs. Your views and the views of your clients will be regularly sought to make sure the service levels you expect are being maintained. Step 6 Successful introduction Upon a successful introduction you can choose to accept a commission payment as a thank you for referring a business to us, or you can choose to share this payment with your client, or we can donate its value to a charity of your choice. As well as offering commissions, our relationships will: Help support your relationship with your client. Provide you and your client with new avenues to finance. Make available regular, topical and relevant information about our products and services as well as the general economy and marketplace.

Why Bibby Financial Services? Bibby Financial Services has been delivering value for money funding solutions to small and medium sized businesses for over 25 years, and has built up a reputation for consistently delivering high levels of client service. We re currently helping more than 3,800 businesses across the UK with their invoice finance needs. Over 90% client satisfaction year after year. 12 local offices to give you access to decision makers when you need them, allowing solutions to be delivered quickly and efficiently. Specialist finance solutions available for Recruitment, Construction, IT and those involved in import and export trade. We re the largest independent invoice finance company in the UK with the appetite to do deals where others can t or won t. We re a secure and stable invoice finance provider with over 25 years experience. For more information speak to your local Business Development Manager or: t: 0800 91 95 92 e: marketing@bibbyfinancialservices.com w: www.bibbyfinancialservices.com