BIBBY FACTORS AUSTRALIA

<strong>FINANCE TO MOVE FORWARD</strong><br><br> Bibby provides an ongoing line of credit using the businesses debtors ledger as security, not real estate. So in effect, as your sales grow, so does the funding available to you, accelerating cash flow, shortening the cash flow cycle, and setting your business up for maximum growth and/or recovery. Without property security needed, your business is judged on current, not past performance, and is freed from funding restrictions encountered with a conventional commercial lending product e.g. overdraft, caused by its fluctuating value. <br><br> <strong>HOW DOES IT WORK?</strong> <br><br> Bibby provides your business up to <strong>90% of the value of your unpaid invoices within 24 hours</strong> on an ongoing basis, returning the remaining 10% when your customers pay, usually the same day and less a marginal administration fee. Simple. <br><br> <strong>WHO ARE WE?</strong><br><br> Bibby Financial Services is a leading provider of Cashflow and Debtor Finance products (Factoring and Invoice Discounting) in Australia and around the world, with operations in the UK, US, France and Poland. In the UK, we are the largest non-bank provider of these facilities, voted Factor/Invoice Discounter of the Year at the 2002 and 2003 Business Finance/NACFB Awards. <br><br> <strong>FINANCE TO MOVE FORWARD</strong> <br><br> Extend credit terms to win business, negotiate better terms from your suppliers, lower settlement discounts, capitalise on commercial opportunities as they arise, remove the pressure of paying suppliers and the ATO on time, free up management time, and remove reliance on the banks lending decisions.<br><br> For more information about Bibby's flexible products customised to your business and industry,or to apply, please call <strong>1300 850 322</strong> or visit our website at www.bibby.com.au .