Is Your Business Funding Costing You Too Much?
Check your facility against current UK market pricing in 60 seconds. No credit check, no obligation – just an honest read on whether your rate, fees and structure still stack up in today’s market.
Facility Health Check
Get your full benchmark report – free
Thanks – your health check is with us
A GBF Funding Manager will come back to you with a written benchmark, usually the same working day. Want to move faster? Create your client portal account or call us on 020 3432 2341.
Most UK Businesses Are Overpaying Without Knowing It
Rates have moved – your facility hasn’t
Lender appetite and pricing shift every quarter. A facility priced two years ago is rarely the deal you would be offered today, especially if your business has grown since.
Renewals get rolled, not rebroked
Incumbent lenders count on inertia. Signing the renewal letter without testing the market is the single most expensive habit in UK business finance.
Structure matters as much as rate
Covenants, personal guarantees, advance rates and hidden fees often cost more than the headline rate. Our health check looks at the whole facility, not just the percentage.
One Check. The Whole Market.
Growth Business Finance is a whole-of-market, FCA authorised broker. When we benchmark your facility, we are comparing it against live appetite and pricing from 650+ banks, funds and specialist lenders – not a brochure rate card.
- Written benchmark against live market pricing, usually same day
- No upfront fee – we are only paid on completion if you switch
- No credit check to get benchmarked – your file is untouched
- If your facility is already sharp, we will tell you to keep it
What your written report covers
From Health Check to Better Facility
60-second check
Enter your facility details above. Instant verdict against current UK market ranges.
Instant
Written benchmark
A Funding Manager reviews your details against live pricing from 650+ lenders and sends a written comparison.
Same day
Market test
If there is a saving worth having, we approach a shortlist of best-fit lenders for firm terms – discreetly.
2-5 days
Switch or stay
Take the better offer and we manage the whole refinance to drawdown, or keep your current deal armed with proof it is sharp.
You decide
How to Tell if Your Business Finance Is Still Market Rate
Most UK businesses review their energy contract every year, yet leave their most expensive financial commitment – their funding facility – untouched for three, four, sometimes ten years. Lenders know this. Pricing at renewal quietly drifts upwards, covenants stay tighter than the business now deserves, and personal guarantees remain in place long after the risk that justified them has gone.
What “market rate” actually means in 2026
There is no single market rate for business finance. What a lender charges depends on facility type, business performance, security offered and, crucially, how much competitive tension exists when the deal is priced. As a working guide from deals we arrange: established businesses with clean credit typically see unsecured term loans priced between roughly 8% and 14%, secured lending between 6% and 9.5%, revolving credit facilities from around 7.5%, invoice finance with an all-in annual cost of 3% to 7% of funds in use, commercial mortgages from the low 5s, and bridging from around 0.55% per month. If your facility sits above these ranges – or was priced when your business was smaller, younger or riskier than it is today – there is usually money on the table.
The renewal window is your moment of maximum leverage
The best time to test the market is three to six months before your facility renews or your fixed period ends. That is long enough to secure credit-backed offers from alternative lenders without time pressure, and it transforms your renewal conversation: incumbents price differently when they know you have a real alternative in hand. Even if you never switch, a written offer from a competing lender routinely knocks half a point or more off a renewal.
Rate is only half the story
Two facilities at the same headline rate can differ in true cost by tens of thousands of pounds a year. Arrangement and renewal fees, non-utilisation charges on revolving facilities, minimum service fees on invoice finance, early repayment penalties and the cost of over-collateralisation all belong in the comparison. So does structure: an advance rate of 85% against your debtor book instead of 70% can release more working capital than any rate cut, and removing a personal guarantee has a value most directors would struggle to put a number on – until they try to remortgage their house.
Why use a broker to benchmark
A whole-of-market broker sees live pricing across hundreds of lenders every week – which lenders are hungry, which have quietly tightened, and what businesses like yours actually pay rather than what rate cards advertise. At Growth Business Finance we arrange everything from business loans and revolving credit to asset based lending and invoice finance and commercial mortgages and property finance. That breadth is exactly what makes a benchmark honest: we have no product to push, and if your current deal is sharp we will say so – it costs you nothing to find out.
What happens after the health check
Run the 60-second check above and you get an instant indicative verdict. Request the full report and a Funding Manager personally benchmarks your facility against live market pricing, usually the same working day. If there is a saving worth pursuing, we test the market discreetly with a shortlist of best-fit lenders – your incumbent is never contacted without your say-so, and there is no credit search until you choose to proceed with an application. We are paid by the lender on completion only if you switch, so our only incentive is finding you a genuinely better deal.
Facility Health Check Questions
Yes. The instant checker and the written benchmark report are completely free with no obligation. GBF is only paid a commission by the new lender if you eventually choose to refinance through us. If you stay with your current facility, you owe nothing.
No. The health check and written benchmark involve no credit search of any kind. A credit check only ever happens later, if you decide to proceed with a formal application to a new lender, and always with your explicit consent.
Not unless you want them to. Market testing is done discreetly and your incumbent lender is never contacted without your instruction. Many clients use our benchmark purely to negotiate a better renewal with their existing lender.
Then we tell you exactly that, in writing. Around a third of the facilities we benchmark are fairly priced, and knowing that has value too – you can sign your renewal with confidence instead of nagging doubt.
The instant verdict compares your rate against indicative market ranges for your facility type, drawn from deals we see across 650+ lenders. It is a guide, not advice – the written benchmark from a Funding Manager accounts for your sector, trading profile, security and structure, which is where the real answer lies.
Indicative terms typically arrive within days and most refinances complete within two to six weeks depending on facility type. Property-secured facilities take longer than working capital ones. We manage the whole process – lender liaison, documents and legals – through to drawdown.
Sixty Seconds Could Save You Five Figures a Year
Free, no credit check, no obligation – and if your deal is already sharp, you will know for certain.