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In partnership with Stable Payments

Find hidden profit in your business

Every finance team knows it should regularly review its banking, foreign exchange, treasury deposits and card processing. Almost nobody has the time. What that costs you is the "too busy to check tax".

The Benchmarker compares what you pay against current market rates in under 60 seconds, and you see your position before anyone calls you.

Open the Benchmarker
Register for the webinar

Free to use. No obligation to take it any further.

Free to use
no cost, no obligation
Under 60 seconds
to see where you stand
No sales call first
you see the numbers, then decide

The cost of being too busy to check

Banking arrangements. Foreign exchange rates. Treasury deposits. Merchant services. Energy contracts. Every finance function has this list, and it always loses to something with a deadline attached.

Nothing dramatic happens when it goes unchecked. That is exactly the problem.

Open the Benchmarker

Costs creep up

Rates and fees agreed years ago rarely improve on their own. They drift, quietly, and the drift compounds.

Margins reduce

Money lost to an uncompetitive rate comes straight off the bottom line. It never appears as an overspend against a budget anyone is watching.

Opportunities are missed

You cannot act on a saving you have never measured. Most businesses never find out what was available to them.

The review never gets done

Benchmarking suppliers is important but never urgent. It sits on the list until something forces the issue, and by then the cost is already sunk.

You should not have to book a sales call to find out whether you are paying too much.

What is the Benchmarker?

A free online tool that compares what your business currently pays against current market rates, and shows you where the gaps are. Built by Stable Payments and made available to the Macildowie Connect community.

Live now

Foreign exchange

Compare the rates you receive when buying or selling foreign currency against the rates available in the market.

Live now

Treasury deposits

Compare the interest you earn on cash held on deposit against institutional market rates.

Live now

Card acquiring

Understand what you are paying to process card transactions, and identify where that cost could come down.

Energy benchmarking and comparison is coming soon.

Open the Benchmarker

Who is it for?

Built for CFOs, finance directors, financial controllers and business owners. The numbers are the same for everyone. What you do with them depends on where you sit.

Let us do the work you do not have time to do

CFOs and finance directors

You already know the review is overdue. The Benchmarker does the work you do not have time to do, gives you a data-backed position in under a minute, and does not put a salesperson between you and the answer.

Show the value you have delivered

Financial and credit controllers

Be the person who found the opportunity. The Benchmarker gives you a measurable, defensible number to take to your leadership team, and a straightforward way to show the value you have delivered.

Increase EBITDA without increasing sales

Business owners

Cost taken out of the operating line feeds through to profit, and to your valuation with it. If you are thinking about selling in the next five years, that is worth more than most things on your list.

Where could the savings be?

The size of the opportunity depends on what you buy, how much of it, and how long ago the terms were agreed. Three questions are worth asking before you assume there is nothing there.

The Benchmarker turns all three into a number in under a minute.

See your numbers

Do you buy or sell in foreign currency?

The margin added to an exchange rate is rarely visible on the transaction itself. Across a year of trading it is one of the costs most often left unmeasured.

Do you hold cash on deposit?

Balances sitting in the wrong account can earn well below the institutional rates available to them. The gap is straightforward to measure once you look at it.

Do you take card payments?

Card processing is priced in fractions of a percent, which is exactly why it goes unchallenged for years at a time. Multiply it by your volume and the picture changes.

How it works

Step 1

Open the Benchmarker

Follow the link. There is nothing to install and nothing to pay to start looking.

Step 2

Enter your figures

Tell the tool what you currently pay across foreign exchange, treasury deposits or card acquiring. Your recent statements or rate schedules will have what you need.

Step 3

See where you stand

The tool shows your position against current market rates. Enter your email address to unlock the rest of the tool and have your full report sent to you. Consent is captured directly by Stable Payments, and you decide whether there is a conversation worth having.

Meet Stable Payments

Stable Payments exists to fill the advice gap left by traditional banks, helping SME owners and finance directors benchmark and improve the key services in their finance function. Macildowie Connect has partnered with Stable to make the Benchmarker available to our community of finance and business leaders.

Benchmarking and cost optimisation

Cost optimisation across treasury yield, foreign exchange, risk management, card acquiring and payments. This is the part of Stable that powers the Benchmarker.

Debt advisory

Debt advisory for UK SMEs, covering working capital, asset finance, term loans, revenue finance and management buyouts.

Dedicated experts

Whether you are reducing costs, preparing for sale or planning for growth, Stable Payments makes sure you have a trusted advisor in your corner.

Time is money. Save both.
Start benchmarking

See it in action

Two chances to see the Benchmarker run against real figures, ask questions, and work out where the opportunity sits in your own business.

Webinar, week commencing 7 September 2026

How to find hidden profit in your business without speaking to salespeople

An introduction to the Benchmarker, what it covers and how to build a case for change from what it tells you. Bring your own numbers and follow along. We will confirm the date and time once it is set.

Register your interest
Conference, 17 September 2026

East Midlands Growth Conference

Stable Payments will be running the Benchmarker live on their stand. Bring your figures, see your position in under a minute and have the report sent to you.

Find out more

Frequently asked questions

Is the Benchmarker free?

Yes. The Benchmarker is a free online tool and there is no charge for your results.

Do I have to speak to a salesperson?

Not to see your numbers, and that is the point of it. You see your own position first and decide for yourself whether there is anything worth following up. If you enter your email address to unlock the full report, Stable Payments may contact you about what it shows. You can opt out at any time.

What information do I need to hand?

What you currently pay: your foreign exchange volumes and rates, your deposit balances and the interest you earn on them, or your card processing fees. Your recent statements or rate schedules will have the figures. You only need the ones relevant to the area you want to check.

Why do you ask for my email address?

You can explore the first section of the tool without giving any details. To unlock the rest of it and receive your full report, you enter your email address and give consent directly to Stable Payments.

What happens to my data?

The Benchmarker is operated by Stable Payments, not by Macildowie. Your consent is given to Stable Payments, who hold and process your details so they can send you your report and anything else you have agreed to receive. Macildowie does not receive the figures you enter. For what Stable Payments do with your data and how to withdraw consent, see their privacy policy.

What does the tool cover, and what is coming next?

Today the tool covers foreign exchange, treasury deposits and card acquiring. Energy benchmarking and comparison is coming soon.

Who are Stable Payments, and how are they involved with Macildowie?

Stable Payments is a specialist advisory business that helps SME owners and finance directors benchmark and improve the key services in their finance function, filling the advice gap left by traditional banks. Macildowie Connect has partnered with them to make the Benchmarker available to our community. Macildowie has a commercial referral arrangement with Stable Payments. The Benchmarker itself remains free to use, and you are under no obligation to take anything further.

Find out in under 60 seconds

Free, self-service and no obligation. See what the "too busy to check tax" is costing your business, then decide what to do about it with a number in front of you.

Open the Benchmarker
Register for the webinar

Start your journey towards building your best company today

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