Business > What every business owner needs to know to cut costs and drive growth

What every business owner needs to know to cut costs and drive growth

Halo Corporate Finance provides some insider insights from a broker who, within just under a year on the front lines and backed by a firm that has brokered nearly £1bn for over 22,000 clients, can show you how to leverage finance solutions for maximum savings.

Business finance can feel like a minefield. Rates shift daily, lenders vary widely, and it can be hard to tell if you’re securing a genuinely good deal. Yet, getting it right could save you thousands and open doors to long-term opportunities.

David Thomson, a broker who joined in March last year, works with a well-established team at an organisation celebrating its 20th anniversary in 2025. The firm has supported businesses across sectors – from construction and manufacturing to retail and transport – providing tailored solutions rather than one-size-fits-all packages.

Here, David reveals the top 10 tips every business owner must know to ensure they are not leaving money on the table:

  • Review regularly: just as you compare car insurance each year, make it a habit to re-examine your finance arrangements. Markets change quickly – what worked last year might not be optimal today.
  • Rates change constantly: yesterday’s ‘good deal’ could be expensive tomorrow. Keep an eye on changing interest rates and lender offers to consistently secure the best terms.
  • Insist on transparency: a trustworthy broker makes costs and terms crystal clear. If anything seems hidden or overly complicated, walk away. Clarity ensures you know exactly what you’re agreeing to.
  • Find the right fit over big names: the largest lender isn’t always your best choice. Seek a solution tailor-made to your business’s size, sector and goals, rather than a generic product from a well-known brand.
  • Compare, compare, compare: don’t accept the first offer you see. A skilled broker will survey multiple lenders to find you a truly competitive deal—saving you time and money.
  • Think long-term, not just short-term: a slightly higher rate now could lead to more flexible terms or better opportunities later. Weigh immediate savings against future growth potential.
  • Leverage industry expertise: advice from someone who understands your sector is invaluable. Specialist insights ensure the finance solution aligns with your industry’s unique challenges and priorities.
  • Act fast when timing is key: if a valuable asset or strategic opportunity emerges, swift, informed decisions make the difference. A responsive broker streamlines processes, so you can strike while the iron’s hot.
  • Trust proven results: with nearly £1bn brokered and over 22,000 clients helped, this team’s track record speaks for itself. Such experience means they’ve re- fined their approach to consistently deliver the best outcomes.
  • Inaction costs more: ignoring new options or sticking with outdated arrangements might feel comfortable, but it usually results in paying more than necessary. Take action now to unlock immediate and long-term gains.

    Ready to transform your finance strategy?

    These 10 tips give you the inside track on cutting unnecessary costs and freeing up funds to drive your business forward. Don’t let confusion or complexity hold you back – empower yourself with expert guidance.

    With rates changing daily, there’s no time like the present to ensure you’re getting the best possible arrangement.

    For a free, no-obligation chat about improving your current finance deals or exploring new ones, contact David at davidt@hcfl.co.uk or call 01604 210771. Find out more about Halo Corporate Finance on their website