Invoice Finance Termination Notice: Invoice Finance Termination Notice: What to Do When Your Bank Ends Your Facility

Has the bank given you notice that they are ending your invoice finance, it can feel like the floor has dropped from under you. One day you’re relying on your funding, and the next you’re told your facility is ending — often with little explanation and even less support.

If this has happened to you, take a breath. You’re not alone, and you have more options than your bank makes it seem.

In fact, for many businesses, this moment becomes a turning point — and a chance to switch to a more flexible, human, and responsive funder.

😟 The Impact when the bank ends your invoice finance

It’s natural to worry. Most business owners experience the same fears:

• “Will cashflow dry up?”

• “How do we replace the facility in time?”

• “Will suppliers and staff still get paid?”

• “What support do I actually get to move?”

Banks rarely guide you through the next step — they simply issue the notice and expect you to sort it out.

But this can become a positive move.

✅ Your Action Plan (Don’t Panic — Do This)

1. Act early — time disappears fast

Switching funder involves onboarding, due diligence and legal work. Starting early avoids unnecessary pressure.

2. Speak to a specialist funder (not another big bank)

Independents can:

• Tailor facilities to your business

• Offer hands-on support during the transition

• Include credit control to free up your time

  
  

This is where Regency Factors is often a better fit than the banks — we focus on understanding your business, not ticking boxes.

3. Treat this as an upgrade, not just a replacement

This is your chance to improve your funding, not just replicate what you had. When businesses switch to a specialist like Regency Factors, they often gain:

• A real relationship manager, who answers the phone

• Increased flexibility

• Funding that flexes with growth

• Credit control that's second to none,

We hear the same thing time and time again:

“The bank gave us notice and we panicked — but moving was the best thing that happened. Regency actually knows who we are, answers the phone, and supports us.”

❓ What Should I Do If My Bank Gives Me Notice on My Invoice Finance Facility?

First — don’t wait. As soon as you receive notice, start exploring alternatives.A specialist provider like Regency Factors can step in quickly, assess your situation, and outline a clear path so there are no funding gaps.

The sooner you begin the process, the more choice and control you have. With the right partner, switching can be smooth, stress-free and far more beneficial than staying with a bank that no longer wants your business.

🚀 Why Regency Factors?

Regency Factors combines the relationship-led support, speed, and experience that growing businesses need when moving away from a big-bank facility.

With us, you get:

• A named contact who picks up the phone

• Up to 90% of invoice value released within 24 hours

• Credit control to take chasing off your plate

• A smooth handover with guidance at every step

We don’t believe in one-size-fits-all funding — because no business is one-size-fits-all.

⭐ Final Thought

A termination notice from your bank can feel like a setback — but it often becomes the moment businesses move to a provider that actually supports them.

Handled early, calmly and with the right partner, this can be the start of a much better funding relationship.

If you’ve received a notice, think of it as a chance to upgrade.

If you’d like a confidential chat about your options and how quickly we can step in, get in touch — no pressure, no jargon, just straight answers when you need them most.