When Your Invoice Finance Partner Isn’t Managing Credit Control Properly
- Rachel Craft
- Nov 4
- 2 min read
For many businesses, invoice finance is more than just a funding solution — it’s also a way to remove the burden of chasing payments. Factoring facilities include credit control, meaning the invoice financier should manage customer payment reminders, collections, and ledger monitoring on your behalf.
But what happens when they don’t?
If your invoice finance provider isn’t delivering on their credit control responsibilities, your business could feel the impact far more than you realise.
Spotting the Signs of Poor Credit Control
When credit control isn’t handled properly by your provider, the warning signs appear quickly:
1. More Debtors Falling Overdue
If customers are consistently going beyond terms but you’re still the one having to chase for updates, something isn’t working.
2. Invoices Being “Reassigned” Back to You to Chase
Some funders pass invoices back to the client instead of handling them — leaving you paying fees for a service you’re not receiving.
3. Lack of Communication and Slow Response Times
If you rarely hear from your relationship manager or can’t get updates on debtor accounts, it’s a red flag.
4. Your Available Funds Reduce Without Clear Reason
Poor credit control leads to ageing debt — which reduces available funding, affects concentration limits, and ultimately tightens cashflow.
Why Strong Credit Control Matters
The whole point of choosing a factoring facility with credit control is to free up your time while keeping cashflow steady.When the credit control is weak, you lose on both fronts:
Cashflow slows down
Funding availability tightens
Debtor relationships weaken
You end up doing the work you’re already paying for
It defeats the purpose of having invoice finance in the first place.
The Regency Difference
At Regency Factors, we know credit control is an essential part of a successful invoice finance facility — so we treat it that way.
Our dedicated credit control team:
✅ Proactively chase payments and keep communication professional
✅ Maintain strong relationships with your customers
✅ Monitor ledgers closely to prevent issues before they escalate
✅ Provide regular updates so you’re never left in the dark
We don’t hand invoices back for you to deal with. We manage the process end-to-end, so you can focus on running and growing your business — not chasing payments.
Ready for a Better Level of Service?
If your current provider isn’t delivering the credit control support you were promised, it might be time to explore a more reliable alternative.
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📞 0161 280 4220
🌐 Or visit our website to learn how our facilities work
