Broker Trends and Opportunities – April 2025

The \’Outside The Box\’ Opportunity

Objection handling with brokers:

“Aren\’t business loans and business finance just helping businesses to take on more debt?

In short, no. No client wakes up in the morning with the sole intention of going to bed that night with £100,000 of debt (to pick a number out of the air).

Borrowing helps a business in multiple ways, including:

• To meet a liability
• To spread the cost of their liabilities and overheads over a fixed period rather than taking a single cash flow hit
• Consolidate their existing debts into a lower rate/longer term (or both) to manage cash flow
• Be able to take on new work and opportunities, affording upfront costs where clients will settle at completion/delivery

The Economic Pressure Businesses Are Facing

This month, more than ever, we\’re seeing a perfect storm in terms of rising employment costs, VAT quarters falling due, corporation tax on the horizon to be settled, increases in energy costs, and global economic uncertainty denting business confidence.

If businesses don\’t have the confidence to make decisions right now – they still need to be able to afford to stand still – and that\’s where a good cash flow and loan broker can add a lot of value to their clients.

Business Loans Aren’t the Only Answer

Sometimes, a straightforward business loan will be the quickest or most suitable way to meet client requirements, but with the time to also consider the cost of debt servicing for your customers, I am a big advocate of thinking outside the box for other – and better – solutions.

If businesses don\’t have the confidence to make decisions right now – they still need to be able to afford to stand still – and that\’s where a good cash flow and loan broker can add a lot of value to their clients.

Working with TRIVER: A Smarter Way to Finance

We\’ve worked this month with our lender partner TRIVER to look at an alternative to business loans in the form of \’selective invoice finance\’ – which essentially means borrowing funds against one issued customer invoice at a time.

How Does TRIVER Use Selective Invoice Finance to Fund Businesses?

Unlike traditional loans, TRIVER is not debt. It\’s a simple way for businesses to get paid early for invoices they\’ve already issued. This means your clients won\’t take on extra debt or hurt their credit score.

TRIVER uses smart technology (Open Banking and AI) to quickly approve funding, ensuring clients get money exactly when needed.

Fast, Flexible Funding When It’s Needed Most

Subject to a credit process – aided by their portal and real-time access to banking – selective invoice finance funders can often fund your clients in an extremely short time frame:

Traditional business loans often take weeks and involve long application processes and paperwork. TRIVER can deliver same-day cash flow to your clients (subject to credit acceptance) by using their unpaid customer invoices.

Business loans and selective invoice finance are just two of the ways that you could help clients achieve their objectives or solve their problems – and with the time to think outside the box, it\’s an opportunity to deliver a more cost-effective solution.

A Faster, Smarter Alternative to Business Loans

TRIVER is a quicker, easier alternative to traditional business loans. In today\’s challenging economy, it helps businesses manage their cash flow effectively without extra debt.

However, you do help your clients in what we and TRIVER both agree is a challenging economy. To return to the common objection that I can hear from brokers, no, you\’re not \’just helping businesses to take on more debt\’.

You\’re adding a lot of value at a time when they need it the most, allowing them to move forward with a suitable, workable solution – which is what good client outcomes are all about.

Mark Grant, Managing Director, Fiducia Commercial Network.
April 2025.

To learn more about how TRIVER can help clients, visit TRIVER.com or Fiducia Commercial Network brokerages can get details on the AR Portal here: TRIVER

About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance \’Appointed Representative\’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years\’ experience in commercial finance.

If you\’d like to discuss joining Fiducia Commercial Network or you\’d like to apply to become an Appointed Representative…

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To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk 

Jade Keval, Sales Director at Somo

Network members can use this exclusive window before Somo Prime launches to the wider market. To learn more, contact Somo directly on 0161 312 5656 and make the most of this early access opportunity.