Why Switching Invoice Finance Provider Can Transform Your Credit Control

If you’re using a bank-run invoice finance facility, you’ll know the feeling: you get the funding, but the invoice finance credit control support you expected isn’t really there.

You’re still the one chasing overdue invoices, dealing with late-paying customers, and having awkward conversations — all while trying to run and grow your business.

The truth is, most banks offer invoice finance as a lending product, not a hands-on service. That means credit control is often left to you, even though you took out the facility to improve cashflow and reduce stress.

This is one of the biggest reasons businesses switch to a specialist provider like Regency Factors — for faster funding and proper invoice finance credit control that actually helps you get paid.

🚨 Why Banks Fall Short on Credit Control

Many business owners come to us with the same story about bank invoice finance:

• “They funded our invoices but didn’t help with collections.”

• “We were still doing all the chasing.”

• “They monitored us more than they supported us.”

Banks focus on the lending side — checking the numbers, watching your debtor book, and making sure you stay compliant. What they don’t do is actively manage your credit control to help improve payment times.

That leaves you stuck:

✔ Paying fees for invoice finance

❌ Still chasing customers yourself

Which means you’re not getting the full benefit of what invoice finance should deliver.

Spotlight on the advantages of a specialist

✅ The Advantage of Switching to a Specialist Invoice Finance provider

When you switch to a provider like Regency Factors, you don’t just improve cashflow — you upgrade your invoice finance credit control support at the same time.

Here’s what that looks like:

Professional Credit Control Included

We handle the chasing for you, meaning:

• No more uncomfortable calls to customers

• No wasted hours following up on payments

• Faster collections and fewer overdue invoices

Your customers are treated with respect and professionalism — we protect your relationships while improving results.

Clear Communication & Real People

With Regency Factors, you get a direct point of contact — someone who understands your business, not a call centre. If something needs escalating or a debtor becomes difficult, we’re on it.

This level of personal support is one of the biggest differences between banks and specialist independent providers.

💬 What Clients Say After Switching

One of the most common things new clients tell us is:

“We were paying for invoice finance and still chasing every payment. Moving to Regency was a relief — the credit control alone was worth it.”

Another new client recently said:

“We didn’t realise invoice finance credit control could be included until we switched. It’s made a huge difference.”

🔄 Is Switching Difficult?

Not at all — especially when you move to a specialist who handles the process properly.

At Regency Factors, we make the transition smooth and stress-free:

• We guide you through the exit from your bank

• We liaise with them where needed

• We get you set up quickly so there’s no funding gap

In most cases, onboarding and transfer are completed far quicker than people expect.

⭐ Final Thought

If your current bank invoice finance facility is giving you the money but not the credit control, then you’re only getting half the benefit you should be receiving.

Switching to a specialist provider like Regency Factors gives you:

✅ Expert invoice finance credit control

✅ Less chasing and admin

✅ A real relationship manager

✅ Funding that grows with your business

When someone else handles the chasing — and your cash comes in faster — everything becomes easier.

If you’d like a confidential chat about how improving credit control could help your business, or want to compare your current bank facility with what Regency Factors can offer, we’re here to help.

No jargon. No pressure. Just honest support to help your business run better.