For SMEs looking to grow, having the right funding support is essential. Together, we play an important role in helping them find an external finance solution that fits their needs.
Notably, in our Q3 research of 1,000 SMEs, 50% stated they’re more likely to use external finance compared to our previous Q1 survey. However, 52% feel external finance is harder to access than six months ago.
The market for external finance is sizeable and yet the usage and understanding of Invoice Finance remains relatively low. Encouragingly, there has been a 13% increase in SMEs stating they would consider Invoice Finance as a source of funding compared to our previous survey. As an industry, we need to continue our work to raise awareness and educate businesses on the benefits.
How we help SMEs
We talk to many businesses that have been held back by their current funding limit or are not aware of the full range of options available to them. Alternative options such as Invoice Finance can provide more flexibility than traditional solutions. It is future focused, enabling a timely injection of cash for efficient day to day running, or investing in growth. It provides scalability, since funding can increase in line with turnover.
The importance of having strong relationships cannot be underestimated. Working with a funder that seeks to understand the business’ plan and aspirations can enable the increase of credit availability when the opportunity to scale presents. What’s more, if a funder has a close relationship with a client they can better structure a personalised solution, perhaps even identifying additional needs and potentially saving the business from cashflow pressures in the future.
To support much needed economic growth, it’s vital that SMEs can access funding that is tailored to their business and that is consistent. Working with our broker partners, we can help make growth possible and unlock SMEs’ potential together.
About Bibby Financial Services
Bibby Financial Services is one of the UK’s largest independent funders, supporting SMEs for 40+ years. Our Invoice Finance, Asset Finance and Foreign Exchange solutions help with improving cashflow, investing in equipment or trading internationally. With £1.3bn in funding available, we support 8,500+ clients across a range of sizes, stages and sectors.
Awarded NACFB Factoring and Invoice Discounter of the Year 2024 and Business Moneyfacts Best Factoring and Invoice Discounting Provider 2025, we’re a funding partner you and your clients can rely on.
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About Fiducia Commercial Network
Fiducia Commercial Network is a commercial finance \’Appointed Representative\’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.
Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.
The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years\’ experience in commercial finance.
If you\’d like to discuss joining Fiducia Commercial Network or you\’d like to apply to become an Appointed Representative…
To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.
For all media and marketing enquiries contact – pr@fiduciagroup.co.uk
