Chase invoices, protect cash flow, and get paid on time, without the awkward phone calls.
Late-paying customers are the single biggest cash flow killer for UK small businesses, and chasing them eats hours you should be spending on the work itself. Our outsourced credit control service handles the polite-but-firm follow-up for you, from statement runs and reminder sequences to statutory late-payment interest and pre-legal escalation. You keep the customer relationship; we keep your ledger clean and your bank balance healthy.
We run a timed reminder sequence across email, letter and phone from before the due date through to overdue escalation, so nothing slips through the cracks. Each step is tracked against your sales ledger in Xero, QuickBooks, FreeAgent or Sage, giving you a live view of who owes what and when they were last contacted.
We reconcile your aged debtors report regularly, matching receipts to invoices, clearing allocations and flagging disputed or duplicated items. A clean ledger means your chasing is accurate, nobody gets chased for an invoice they have already paid, which protects the relationships that matter to you.
Under the Late Payment of Commercial Debts (Interest) Act 1998 you can charge interest at 8% above the Bank of England base rate plus fixed compensation per invoice. We calculate and apply these entitlements correctly, which often prompts payment on its own and ensures you are not leaving money on the table.
Prevention beats collection. We help you set sensible credit limits and payment terms, run credit checks on new accounts, and build clear terms and conditions so payment expectations are agreed up front. Getting this right at onboarding is the cheapest way to avoid bad debt later.
When a debt is genuinely irrecoverable, you should not be out of pocket for VAT you have already paid HMRC. We identify invoices that qualify for bad-debt relief, typically once they are over six months overdue and written off, and reclaim the VAT through your return so a lost sale does not become a double loss.
For stubborn debtors we manage the final stages: formal letters before action, settlement negotiation, and a clean handover pack should you choose to instruct a solicitor or use the small claims process. We also handle genuine disputes professionally, separating real queries from delay tactics so you only escalate where it is warranted.
You work with one named, ACCA-qualified accountant who knows your ledger and your customers, not a faceless call centre. Every chase reflects your brand and tone, so debt collection never costs you a client relationship.
Credit control is included within our transparent fixed-fee plans at £99, £199 or £499 per month, billed on a rolling monthly basis with no long tie-in. You always know the cost, and there are no surprise per-call or commission charges eating into the cash you recover.
Consistent, professional chasing shortens your debtor days and shrinks the pile of invoices that quietly turn into bad debts. More of the revenue you have already earned actually reaches your bank account, when you need it.
Stop dreading the awkward payment-reminder call. We absorb the admin, the follow-ups and the difficult conversations, freeing you to focus on delivering work and winning new business.
We respond to your queries within 72 hours, and every engagement is backed by our 30-day money-back guarantee. If we are not the right fit in the first month, you are not locked in.
Understanding your business needs.
Crafting your custom accounting strategy.
Quick and easy integration.
Consistent monitoring and reporting.
13-week rolling cash forecasts, runway analysis, and treasury support.
Read more3-statement forecasts, scenario modelling, and investor-grade financial models.
Read moreBank-ready and investor-ready business plans with financials that hold up.
Read moreDirect line to your account manager for the questions that come up between calls.
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Day one. A pre-due-date reminder goes out a week before the invoice is due, a polite nudge on the due date itself, then structured follow-ups at 7, 14, and 30 days overdue. Early intervention is the single biggest lever on debtor days - by day 60 most disputes have hardened and recovery rates fall sharply.
It would if we used aggressive language - we do not. Communications are firm, professional, and brand-aligned, written under your trading name not ours. Most clients tell us their customers never realise an external team is involved. The point is to make late payment uncomfortable without damaging the trading relationship.
Yes - the Late Payment of Commercial Debts (Interest) Act lets B2B suppliers charge 8% above the Bank of England base rate plus a fixed compensation amount (£40 to £100 per invoice depending on size) on any commercial debt paid late. We can apply this on your behalf where the commercial relationship supports it, and the threat alone often accelerates payment.
We are credit control, not a debt collection agency. We handle structured chasing, dispute resolution, payment plans, and statutory interest. For genuinely uncooperative debtors we transition the matter to a regulated debt recovery partner or solicitor for letter before action and County Court Money Claim - with your sign-off at each step.
Credit control is included from £199 Premium Plus upwards (volume capped) and uncapped on the £499 Enterprise plan. Most clients see average debtor days drop by 15-25 within the first 90 days, which on typical SME ledgers releases more cash than the service costs in the first quarter.
Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.
