Bibby appoints Gemma Heath to support SME growth in the West Midlands

Heath joins BFS with more than 16 years of experience in commercial finance, having spent her career with Lloyds Banking Group in a range of sales and relationship management roles.

Most recently, she served as Associate Director – Trading & Working Capital, Intermediaries at Lloyds Banking Group, where she worked closely with brokers and introducers to support businesses across the Midlands and East Midlands.

A specialist in invoice finance, Heath holds the ABFA Foundation qualification, a Dunn & Bradstreet Credit Diploma and Huthwaite SPIN® selling certification. She has also developed extensive relationships with brokers and professional introducers throughout her career.

In her new role, Heath will focus on growing BFS’s presence across the West Midlands and supporting SMEs with working capital and cashflow funding solutions.

David Webb, UK Head of Broker and Introducer at BFS, said: “BFS is in growth mode and with more than £1 billion of funding capacity, we have a fantastic opportunity to support SMEs and the intermediary community in 2026 and beyond.

“Attracting someone of Gemma’s calibre is testament to our sales strategy and ambition in the West Midlands and further afield.”

Commenting on her appointment, Heath highlighted the opportunities for businesses across the region as investment programmes continue to support economic development.

She said: “With the West Midlands Futures Fund seeking to supercharge projects across Birmingham, Coventry, Solihull and Wolverhampton, there’s an incredible opportunity for the region’s SMEs to grow and thrive.

“Many of these businesses need greater access to working capital and cashflow support to enable them to seize opportunities, so I’m looking forward to leveraging existing and developing new intermediary partnerships to make this happen.”