Credit Manager Resourcs and Industry Trends
Blog Posts
When Should a Business Escalate to Commercial Collections
Introduction Unpaid invoices can create serious cash flow challenges for businesses, yet deciding when to escalate to commercial collections debt is not always straightforward. Business owners, finance teams, and credit managers must weigh the cost of collections, the...
How to Reduce Days Sales Outstanding (DSO) by 30% Using Predictive Analytics
Introduction For many businesses, cash flow depends on how quickly customers pay their invoices. A long lag between sale and payment – measured by the metric Days Sales Outstanding (DSO) — can create serious liquidity issues, limit growth opportunities, and strain...
When to Escalate a Past-Due Account: A 5-Stage Decision Framework
Introduction Every business that extends credit or issues invoices risks encountering late payments. While many past-due accounts get resolved with friendly reminders or extended payment terms, some linger — draining resources, hurting cash flow, and creating...
How to Increase Recovery Rates During Economic Slowdowns
Introduction Economic slowdowns whether driven by inflation, tightening credit, or macroeconomic uncertainty create headwinds for many businesses. For companies that extend credit, offer invoicing terms, or rely on accounts receivable, a slowdown often means more late...
Legal Escalation in Commercial Debt Recovery: When to Involve Attorneys
Introduction For many businesses, unpaid invoices are a painful—but unfortunately common—reality. Even with diligent follow-ups, clients sometimes delay payment, offer broken promises, or vanish altogether. At a certain point, chasing outstanding balances internally...
How Small Businesses Can Strengthen Cash Flow Before Year-End
Introduction As the year winds down, small businesses face a unique set of financial pressures. Rising operational expenses, delayed client payments, seasonal revenue fluctuations, and tighter credit conditions can combine to create a stressful end-of-year scenario....
Understanding the Role of Skip Tracing in Collections
Introduction In 2025, businesses are facing an increasingly complex collections landscape. Debtors are more mobile than ever—relocating, changing jobs, or concealing assets to avoid repayment. For business owners and AR teams, simply sending invoices and making calls...
Debt Recovery Documentation Process: Key to Successful Collections
Introduction In 2025, businesses across industries are grappling with unprecedented challenges in managing accounts receivable. Unpaid invoices, late payments, and mounting debts are not only affecting cash flow but also threatening operational stability. Amid these...
Q4 Cash-Flow Crunch: Proactive Strategies for Credit Teams to Avoid Year-End Surprises
Q4 Cash-Flow Crunch: Proactive Strategies for Credit Teams to Avoid Year-End Surprises Introduction Every year, Q4 arrives with both anticipation and anxiety for businesses across the U.S. Sales targets climb, client spending surges, and the pressure to close the...
Technology Trends in Commercial Debt Recovery for 2026: AI, Automation & Human Touch
Introduction The financial landscape for U.S. businesses—especially across Minnesota and the Midwest—is transforming faster than most leaders anticipated. Rising interest rates, global supply chain volatility, and tighter credit terms have amplified one persistent...