Why your bank's commercial rate probably isn't the best one available to you

Most businesses negotiate their commercial lending through their existing bank relationship — and most assume that loyalty and history earn them a competitive rate. In our experience, the opposite is often true: incumbent banks price on inertia, not on the strength of your position.

The commercial lending market is far broader than it appears from inside a single banking relationship. With a panel of 30+ lenders — majors, second-tier banks, and specialist funders — we consistently secure sharper pricing, better covenant terms, and structures matched to how the business actually generates cash.

Even where a refinance isn't the right answer, a market comparison gives you leverage. Presenting your existing bank with a genuine alternative is often all it takes to move the rate — and the cost of finding out is a conversation, not a commitment.