- 19 Jan
Case Study How FundInvoice Helped A UK Drinks Importer Secure CHOCs Invoice Finance
Growing businesses often assume that if invoice finance is not working well, the problem lies with the product. In many cases, the real issue is whether the provider is the right fit for the business's size and structure.
Case Study How FundInvoice Helped A UK Drinks Importer Secure CHOCs Invoice Finance
This case study shows how FundInvoice supported a UK-based drinks importer and distributor in transitioning to a CHOCs invoice finance facility, from an independent provider, that better aligned with their turnover and service expectations.The Client Background
The client is a UK-based drinks importer and distributor supplying customers across the hospitality and wholesale sectors. With an annual turnover of a few hundred thousand pounds, the business required a funding solution that would allow it to remain hands-on with customer relationships while improving cash flow.
They contacted FundInvoice seeking specialist support to review their existing invoice finance arrangement and identify improved options.
Challenges With Their Existing Invoice Finance Provider
At the time, the business was using an invoice finance facility provided by a bank's invoice finance arm. While the facility structure itself was appropriate, the client became increasingly unhappy with the service they were receiving.
From our experience, this can often happen when a business falls below a provider’s typical size criteria. As the annual turnover was relatively modest, the client felt they were receiving poor service from a provider geared toward larger businesses.
For a drinks importer managing stock, suppliers, and seasonal demand, this lack of service created unnecessary pressure.
Our Review And Recommended Approach
FundInvoice carried out an independent assessment of the client’s cash flow, customer profile, and funding needs. It became clear that the business did not need a more complex solution, but rather a provider that actively supported smaller businesses and offered consistent, personal service.
We identified a CHOCs invoice finance facility with an independent invoice finance company that could offer:
- Customer Handles Own Collections, keeping credit control in-house
- Funding against unpaid invoices to smooth cash flow
- Direct access to experienced account managers
- A service model designed for smaller UK businesses
More details on how these facilities work are available on our Invoice Finance page.
The Outcome
The client successfully moved away from their bank-backed invoice finance facility and into a CHOCs arrangement from an independent provider that better aligned with their size and expectations.
As a result, the business gained more reliable cash flow support and a higher level of service. Having a provider that valued their account allowed the client to focus on operations and growth rather than chasing responses.
Why Provider Fit Matters For Smaller UK Businesses
This case highlights an important point for smaller UK businesses. Invoice finance is not just about rates and percentages. Service quality, responsiveness, and understanding of your business are just as important.
The British Business Bank recognises invoice finance as an established form of business funding for UK businesses, including smaller businesses, helping to unlock working capital tied up in unpaid invoices.
How FundInvoice Can Support Your Business
FundInvoice offers free, independent support to UK businesses exploring invoice finance or reviewing existing facilities. We use our expertise to match businesses with providers that suit their size, sector, and way of working.
If you are considering CHOCs invoice finance or feel underserved by your current provider, you can request a free quote search and speak with a specialist who understands the market.
Final Thoughts
This CHOCs invoice finance case study demonstrates how a smaller UK drinks importer benefited from switching to a more suitable provider. FundInvoice continues to support UK businesses by helping them secure invoice finance that genuinely fits their needs.
FAQ About This Case Study
1) What Is CHOCs Invoice Finance
CHOCs stands for Customer Handles Own Collections. It allows businesses to keep control of credit control while accessing funding against invoices.
2) Is Invoice Finance Suitable For Businesses With Annual Turnover Under £300,000
Yes. Many independent invoice finance providers actively support smaller UK businesses that fall below traditional bank thresholds.
3) Can FundInvoice Review An Existing Invoice Finance Facility
Yes. FundInvoice can review your current facility and explain whether alternative options may offer better service or flexibility.
4) Will FundInvoice Charge Me For Its Support
No. FundInvoice provides independent, free-to-use support to UK businesses looking for invoice finance solutions. It receives a commission from the funder if you choose to proceed.
Case Study How FundInvoice Helped A UK Drinks Importer Secure CHOCs Invoice Finance
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