Is Your Invoice Finance Facility Still Working for You?

Invoice finance is one of the most effective ways for growing businesses to improve cash flow and fund expansion. By unlocking the value tied up in unpaid invoices, it provides immediate access to working capital when you need it most.

However, many businesses stay on the same facility for years without reviewing it, even though rates, terms, and market conditions change constantly. The result? They often end up paying more than they should, or operating with a facility that no longer fits the way their business works.

If your business has grown, changed direction, or improved its financial performance since you first took out your facility, there is a very strong chance you could secure:

• A lower cost of funding

• Better advance rates and improved cash flow

• More flexible terms and fewer restrictions

• A facility better aligned to how your business operates today

With recent decreases in the Bank of England Base Rate, the cost of invoice finance has fallen yet some businesses aren’t seeing the benefits of this as they are stuck on fixed higher charges. Reviewing your facility is no longer just a “nice to have”. It is essential to ensure you are not overpaying or being held back by outdated terms.

Why Use Secure Business Finance?

At Secure Business Finance, we specialise in helping businesses renegotiate, restructure, or replace their invoice finance facilities. Our team has worked directly for banks and independent lenders, giving us deep insight into how funders think, price, and assess risk.

Because we work with a wide panel of lenders, we can:

• Access market-leading rates and structures

• Compare options across the whole market, not just one provider

• Negotiate on your behalf to secure better pricing and terms

• Find a solution that genuinely fits your business- not the other way around

In many cases, we are able to reduce costs, improve funding levels, and remove unnecessary constraints - often without disrupting your business operations.

Take Control of Your Funding Costs

If you have not reviewed your invoice finance facility in the last 12–18 months, you are almost certainly leaving money on the table.

Contact Secure Business Finance today for a no-obligation review of your current facility and find out how much you could save- and how much more flexibility you could unlock for your business.