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Use the FOIL method, First Outer Inner Last. Multiply 3x and bx to get 3bx2. Then multiply 3x and -by to get -3xby. Multiply -3y and bx to get -3ybx. Lastly, multiply -3y and -by to get 3by (a negative times a negative makes a positive). Then you have 3bx2 + -3xby + -3ybx + 3by. You can rearrange -3ybx to -3xby. Then combine the two middle terms (-3xby and -3xby) to get -6xby. This leaves you with 3bx2 + -6xby + 3by, or 3bx2 - 6xby + 3by.
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Not factorable
(a + b)(b + c)
4n-20n+25