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Local autonomy, flexibility, speed of response and personal relationships - this is what Bibby call the 'Bibby Factor' and makes them different to everyone else.

With nine limited companies and ten offices throughout the country, they are largest independent factoring organisation in the country.

Each office operates autonomously, providing a speedy service, which can make all the difference to a small business. They know that circumstances can change overnight and that in order to take advantage of opportunities, businesses need to rely upon a quick and flexible factor who can say 'yes' in hours rather than days.

They have built their success on building relationships - with both and their clients, their clients' customers and have a full understanding of what makes a business tick. Collection requests are made by telephone, not by automated letter and there is a personal appreciation of each business' needs first - rather than just a focus on financial gain.