Welcome to YBFA
Thank you for taking the time to visit our website. At YBFA, we are an independent debt advisory & credit brokerage business who place the customer at the centre of everything we do.
Whilst based in the North of England, as a result of our reputation for customer service and quality of advice we serve clients across the UK.
The business is led by Paul Grace who has over two decades banking experience covering business development, relationship management, credit underwriting and senior leadership roles. Paul is a prominent business leader in Yorkshire having held a number of a high profile non-executive roles and undertaken several large management consultancy projects.
Please feel free to contact us to discuss any aspect of our service as we would love to talk to you.
Bespoke Independent business finance solutions
Invoice Finance
If you issue invoices for goods or services to other businesses and find yourself waiting to be paid or managing late payments, Invoice Finance can offer many benefits to businesses. By releasing cash against your outstanding customer invoices before they’ve been paid you can manage your cashflow.
Business Finance
All businesses need working capital to survive and grow. YBFA has worked with businesses over a number of decades to understand their growth plans and build suitable unsecured and secured working capital facilities funding against short (stock and debtor) and long term (property / fixed assets) business assets to free up cashflow to enable them to grow.
Business Support
Our Directors are here to help you grow and support your business. We can work with you and your business on an ad-hoc or contract basis ensuring you receive independent support and an external view from outside of your business. Having worked with a wide range of professionals across the business community, if we can’t help you, we know somebody who will.
Our other services
Work with us.
At YBFA, we offer a wholly independently debt advisory and credit brokerage service ensuring you receive a tailored bespoke solution to your financial needs.
The funding landscape is consistently evolving with Banks and other funders changing their lending policies to businesses on a regular basis, however, given our network and relationships with funders, we are always aware of all the latest changes in the market.
Operating with over a 150 UK lenders, our experienced Directors have successfully raised funding for clients in all sectors, supporting the growth and ambitions of many businesses.
We also offer external consultancy services to provide a business and strategic planning service.