1.   Bibby Financial Services Packington House, 3-4 Horse Fair, Banbury, Oxon OX16 0AA.    Telephone: 0808 153 7231 Local autonomy, flexibility, speed of response and personal relationships - this is what we call the 'Bibby Factor' and makes us different to everyone else.   We 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.

2.   Lloyds TSB Commercial Finance 1 Brookhill Way, Banbury, OX16 3ELTelephone: 01295 272272 Factoring improves business cash flow by releasing money against unpaid sales invoices. Lloyds TSB Commercial Finance advance up to 90% of the invoice value within 24 hours after you raised the invoice. The remaining balance is made available when your customer settles the outstanding invoice. The service is especially suited to new starts, growing businesses and those with insufficient security to gain more traditional lending. Flexible credit management is built into the agreement with statements and reminder notices issued to reduce the administrative burden on the business. Assistance with telephone credit control can be provided if required.

3.   Professional Fees Collection Services 3 Horse Fair, Banbury. Telephone: 01295 256550