Credit Manager Resourcs and Industry Trends
Blog Posts
The Psychology of Late Payments in B2B Relationships
Introduction Late payments in B2B relationships are far more than simple financial delays. They reflect a complex interplay of human behaviour, organisational processes, and underlying psychological drivers that influence how and when companies settle their invoices....
Why February Receivables Review Is the Right Time to Re-Evaluate Outstanding Receivables
Introduction For many businesses, the start of a new year brings a fresh budget, renewed goals, and a clearer picture of the financial landscape ahead. One important but often overlooked task during this planning period is taking a close look at outstanding...
How Unresolved Debt Affects Long-Term Business Stability
Introduction Unresolved debt doesn’t just reduce cash in the short term — it undermines financial stability, operational continuity, strategic growth plans, and even relationships with stakeholders. For many organizations, accounts receivable are one of the largest...
Industries Most Affected by Late Payments (And How to Respond)
Introduction Late payments are more than a temporary cash flow nuisance — they can cripple operations, disrupt forecasting, and erode profit margins. For service providers, manufacturers, contractors, and businesses of all sizes, slow paying customers are among the...
When to Use a Boutique vs. Large Collection Agency
Situation / Priority Boutique (High-Touch) Collection Agency Large (High-Volume) Collection Agency Account balance size Mid- to high-balance accounts where recovery meaningfully impacts cash flow Low-balance, high-volume portfolios Account complexity Complex disputes,...
Accounts Receivable Red Flags Every Business Should Monitor
Introduction Healthy accounts receivable are critical to strong cash flow, predictable budgeting, and sustainable growth. Yet many businesses overlook early indicators that payments may be at risk, allowing problems to escalate into delinquent accounts, strained...
The Probability of Recovering Commercial Debt as It Ages
A central concept in receivables management is the relationship between aging and collectibility. As accounts become more overdue, two dynamics emerge simultaneously: the likelihood of collecting declines and the share of the original balance that will ultimately be...
State of Commercial Accounts Receivable and Collections in 2026
Benchmarks and What They Mean for Your Business Even for the most sophisticated finance organizations, accounts receivable performance remains a central indicator of financial health and operational efficiency. As we advance into 2026, long-standing trends in...
The Hidden Impact of Unpaid Receivables on Business Performance
Unpaid receivables are often treated as a routine part of doing business, but their impact reaches far beyond delayed payments. Across industries and company sizes, late invoices quietly strain cash flow, consume internal resources, and limit an organization’s ability...
How Commercial Collections Work And What to Expect
Introduction Dealing with unpaid invoices can be stressful and create uncertainty for business owners, accounts receivable teams, and finance managers. Many businesses hesitate to engage a collections agency due to misconceptions about the process, potential costs, or...