Bibby Financial Services Ireland

📈 MBOs and restructurings may be very different journeys, but both raise the same question: is the business funded for what comes next? 📰 In my contribution to the Irish Times Corporate Finance Special Report, I look at how Invoice Finance and Asset-Based Lending can support businesses through periods of change, whether thats a management buyout or a restructuring. 🚀 The transaction is only the starting point. The right funding structure should provide the working capital, flexibility and confidence needed to support the next chapter. #CorporateFinance #MBO #Restructuring #InvoiceFinance #AssetBasedLending 💼📊🤝 Read my contributions – https://lnkd.in/dQPsN5r6 https://lnkd.in/dk5xXpwB

Chef in a Box began in 2009, when @Paul Mulligan saw an opportunity to bring quality, substantial ready meals to the market. Growing demand brought increasing pressure on cashflow. Paul explains: “The business was going so well, but my debtors were just growing and growing.” His accountant recognised the problem. Some customers were taking up to 100 days to pay, leaving cash tied up in unpaid invoices just when the business needed it to #grow. For more than 13 years, #InvoiceFinance has provided a flexible source of #workingcapital that has grown alongside the business, helping Paul and Gemma pursue new opportunities while retaining ownership and control. Today, Chef In A Box has grown from around €1.5 million in turnover to almost €10 million and increased its workforce from 11 to 54 people. With a new facility and room to expand, the family-run business is preparing for its next stage of growth. Paul says of Bibby Financial Services Ireland: “Its's a really #partnership approach to growth, they've been with us every step of the way.” 🎥 Watch Paul’s story below. 👉 Read more about Chef In A Box’s journey at https://lnkd.in/e-3m2stT 👉 Talk to our team about how Invoice Finance could help your business https://lnkd.in/esQ8RdCk #SupportingBusinessAmbitions #ClientStories #IrishBusiness

In the latest A Question of Money column in the Business Post, Aoife McGinley explains how to fund growth when a major new contract puts pressure on cashflow? Winning a major contract is a milestone worth celebrating, but growth often brings upfront costs long before payment arrives. Materials need to be purchased, staff hired and suppliers paid, while payment terms continue to stretch for many businesses. Drawing on recent research showing that 69% of Irish SMEs are experiencing longer payment timelines, Aoife examines why planning for the financial demands of growth is just as important as winning the work itself. Read the latest column below. #QuestionOfMoney #CashflowManagement #WorkingCapital #IrishSMEs #BusinessGrowth #BusinessPost

🚀Backing Business Ambitions Across H1 2026, businesses across a range of sectors chose Bibby Financial Services to provide additional #funding capacity, #supportexpansion into new markets and help #finance their next stage of growth. Others moved to a funding partner that could better support their future ambitions and provide the flexibility required as their businesses evolve. From #managementbuyouts and #refinancing to #internationalexpansion and #growth funding, these transactions reflect the diverse funding requirements of ambitious #SMEs. Take a look at some of the growth stories we've helped fund so far this year. ⬇️ If you're working with businesses that are reassessing whether their current funding arrangements are fit for future growth plans, we'd love to speak with you! Visit bibbyfs.ie or call us at (01) 297 4911 Aoife McGinley Diarmuid Lynch Ziggy Morrissey Ala BrowneCarmel Mulroe QFA Professional Banker David Greene Mark O'Rourke Gavin #BusinessGrowth #IrishBusiness #SMEs #BusinessFunding #GrowthCapital #InvoiceFinance

📍 Leinster SME Confidence – #Growth vs #CostPressure Ala Browne, Sales Manager in Leinster at Bibby Financial Services Ireland comments, “In Leinster, the ambition to grow is still there, but so is the pressure on #costs. With 45% of SMEs reporting operating cost increases of more than 11%, #businesses are having to manage growth more carefully, against a backdrop of tighter #margins, insolvency risk and rising demand for #finance” 👉 Key trends: • 58% increased #sales in the past six months • 45% saw operating costs rise by more than 11% • 67% increased #prices to customers • 61% reporting a growing need for finance and increased difficulty to access the same • Costs and insolvencies still weighing on businesses Read the full Leinster SME Story at https://lnkd.in/gX_miEdp

📍Munster SME Confidence Tracker Recap 1. Strong sales momentum amongst #SMEs in #Munster, with 57% reporting increased #sales and 82% expecting further growth 2. #Cost pressures are still influencing decision-making, with 65% saying they have increased prices to customers 3. Businesses are exploring different routes to growth, with 63% looking at #MergersandAcquisition activity and 45% expecting #internationaltrade to increase David Greene, Business Development Manager at Bibby Financial Services Ireland comments, “What stands out in Munster is that businesses are approaching growth with real intent. There is confidence in the market, but also a practical mindset, with SMEs making deliberate decisions around pricing, #expansion and #investment. We are also seeing a greater openness to external #finance as part of that picture, as more businesses look at how to fund growth in a structured way while managing ongoing cost pressure.” Visit https://lnkd.in/dfPvUzPC to read more on business trends and challenges SMEs in Munster have shared with us.