Your guide to our services

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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.

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

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Service Turnover Requirements Features

Factoring From start up Financial accounts

if available Up to 85% funding against outstanding invoices within 24 hoursFunding levels grow in line with turnover

Comprehensive sales ledger administration and telephone credit control services Online link for transmission of invoices and access to sales ledger information Recourse and Non-recourse facilities available

Selective facilities available

Specialist BACS payment services – ensuring quick and easy payment to suppliers, customers, staff etc

Confidential

Factoring £500k Financial accounts_{Good credit control}

systems Profitable

Up to 85% funding against outstanding invoices within 24 hours Funding levels grow in line with turnover

Comprehensive confidential sales ledger administration and telephone credit control services Online link for transmission of invoices and access to sales ledger information

Customers unaware of Bibby’s Involvement Recourse and Non-recourse facilities available

Disclosed Invoice Discounting

£500k Positive net worth Financial accounts Profitable

Client undertakes own credit control

Online link for transmission of invoices and access to sales ledger information

Confidential Invoice Discounting

£500k Positive net worth Good credit control systems Financial accounts Profitable

Client undertakes own credit control Customers unaware of Bibby’s involvement

Online link for transmission of invoices and access to sales ledger information

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 Funding levels grow in line with turnover

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

Online link for transmission of invoices and access to sales ledger information Recourse and Non-recourse facilities available

Specialist BACS payment services – ensuring quick and easy payment to suppliers, customers, staff etc

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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 Up to 85% funding against outstanding invoices within 24 hours Funding levels grow in line with turnover

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 Recourse and Non-recourse facilities available

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 Profitable

Robust financial forecasts UK Resident

Home Owner

Up to 70% funding against outstanding invoices and stage payments Funding levels grow in line with turnover

Ability to fund complex contractual arrangements

Comprehensive sales ledger administration and telephone credit control services Online link for transmission of invoices and access to sales ledger information Recourse and Non-recourse facilities available

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

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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.

Working together

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