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The Bibby Financial Services Blog hosts a number of case studies which feature clients in a diverse range of industries that have received help and funding support via one of our dedicated funding products.

Firms like R&G International Trading benefited from an invoice financing facility which we provided that has enabled the Edinburgh based business to look to the future with confidence and set a target of doubling turnover in the next three years.

The largest deal completed in Scotland

Managing director of R&G International Trading, Carole Tong said: “Bibby was able to give us the flexibility to pay our suppliers more quickly, reduce our costs and therefore be more competitive. The trade finance facility means we have the support to manage the seasonality of the business. With this additional funding in place and our new working relationship with Bibby we can really concentrate on expanding our product range and enhancing the design and quality of the product.”

The £5m bespoke finance package for R&G International Trading is the largest deal completed in Scotland by Bibby Financial Services to date and the deal was secured on the back of a business review undertaken with accountancy and advisory firm Grant Thornton.

Recruitment agency financing

Two of the other case studies featured very different recruitment agencies, Central European Staffing (CES) and Birmingham based start-up Nelson Recruitment Services Ltd. Recruitment is a competitive area of business and both of these very different agencies used Bibby Financial Services products to help grow, expand and improve their market position.

Canterbury-based Central European Staffing is helping to supply staff to build a new oil and gas plant seen as a key part of the world’s energy resource over the next 50 years. This is the companies’ biggest project ever and a £2million funding agreement with ourselves has allowed the company to confidently accept the assignment.

Previously the company used bank funding but as the business grew, the bank was not able to support an increase in funding, CES managing director Agnes Wrodarczyk explains: “In our industry cashflow problems can hinder fast growth. If we need to pay our workers before our clients pay their invoices then we need extra working capital to support this. Invoice finance means we can relax knowing that we always have that cash to pay our staff. Even though our clients always pay on time, long payment terms mean that this cash is not always with us in time to keep up with the weekly demand of a large payroll.”

Recruitment start-up

Nelson Recruitment Services Ltd has tripled its monthly turnover since it started just over a year ago. The business has an expanding customer-base, currently boasting 50 clients and over 200 individual workers on its books.

Managing Director Paul Nelson started the business after ten years working in the industry. Paul explains: “After seeing the good, the bad and the ugly sides of recruitment, my experiences had left me discouraged at the quality of people in senior positions at certain agencies. It’s for this reason I took the decision to set up on my own, giving myself total control over the quality of workers, quality of service and ensuring the workforce were paid correctly and on-time.”

Paul worked with Bibby Financial Services from the start of the business; Invoice Finance is the only form of financing the business has ever needed.


As the UK’s leading independent invoice finance specialist and a trusted provider of cashflow funding to over 7,000 businesses, Bibby Financial Services provides a range of finance solutions for companies in over 300 industry sectors.

For more information about Bibby Financial Services’ cashflow solutions, visit: or call 0800 91 95 92.