PRACTICAL CREDIT CONTROL SUPPORT
Credit control support for UK SMEs
Collect Wise helps SMEs deal with overdue invoices, growing aged debt and weak payment processes, with practical support to improve credit control and decide what happens next.
30%+ Aged debt reduction in under three months
CLEARER DEBT. BETTER DECISIONS. STRONGER PAYMENT PROCESSES.
Practical credit control and collections experience
for SMEs that need fewer invoices drifting, better chasing decisions and stronger payment processes.
Collect Wise helps small and medium-sized businesses get clearer on what’s owed, what needs chasing, what’s causing payment delays and what should happen next.
For aged debt, loose credit control processes, awkward payment conversations and customers who keep promising payment next week.
START HERE
Choose the right credit control support
Start with the problem you’re dealing with now. Each Collect Wise service tackles a different stage of the payment process.
AGED DEBT ACTION PLAN
Invoices are already overdue
Get a clear plan for which accounts need attention first, what action to take and when to escalate.
CREDIT CONTROL CONSULTANCY
Credit control keeps slipping
Review the payment terms, invoicing, chasing, disputes and internal process behind repeated late payment.
CREDIT CONTROL TRAINING
Your team needs to chase better
Practical training for finance, admin and operations teams responsible for customer payment.
WHERE THINGS GO WRONG
Where credit control problems usually start
Late payment often begins before an invoice becomes overdue.
Weak payment terms, missing information, inconsistent chasing and slow dispute handling all make it easier for invoices to drift.
If these problems keep repeating, a credit control process review can identify where control is being lost and what needs changing.
Customers keep promising payment next week
They sound reasonable. The money still doesn’t land.
Your aged debtor report keeps growing
The numbers are there. The next steps aren’t.
Invoices get disputed too
late
The issue should have been picked up before the due date.
Chasing is
inconsistent
A reminder goes out. Then silence. Then panic.
Payment terms aren’t
doing enough
The terms exist, but they don’t protect the business in practice.
No one knows when
to escalate
The business stays polite for too long, then reacts too late.
THE COMMERCIAL COST
Late payment is still costing UK SMEs
Late payment is still one of the biggest payment problems facing small and medium-sized businesses.
Research from Sage and CEBR found that 44% of invoices were paid late, while separate government-backed research estimates UK businesses are owed around £26bn in late payments at any given time. Affected businesses also spend an average of 86 hours a year chasing payment.
Late payment often starts with weak terms, invoicing errors, inconsistent chasing or slow dispute handling. Stronger credit control helps fix those issues earlier, before they become another overdue account.
Sources: Sage/ CEBR and the Office of the Small Business Commissioner.
Why Collect Wise
Practical credit control support backed by real collections experience
Most businesses know how to send a payment reminder. The difficult part is knowing why an invoice hasn’t been paid, what action is commercially sensible and when an account needs firmer escalation.
Collect Wise brings more than 30 years of credit management experience and £25m+ of recovered debt into practical support for SMEs that want better control over how customers pay.
Is this an easy win, a slow payer, a risk account or one that needs firmer action?
Should the team keep chasing, offer a payment plan, charge interest or move towards formal recovery?
Collect Wise helps SMEs make better credit control and collections decisions before overdue invoices drift, relationships sour or formal recovery becomes the only option.
Paula Bolton
FREE PRACTICAL RESOURCE
Got an overdue invoice and not sure what to do next?
Download the overdue invoice checklist. A simple step-by-step guide covering what to check, what to send, when to call and when to escalate.
HOW WE WORK
How Collect Wise credit control support works
1
We understand the problem
We look at what’s happening with payment, aged debt and the current credit control process.
2
We identify the gaps
We find the terms, process, chasing, dispute or ownership issues allowing payment to drift.
3
We recommend the right action
Depending on the problem, that may mean an aged debt action plan, a credit control review and setup, or team training.
4
You get a clearer process
Clearer decisions, stronger credit control and fewer invoices left without a next step.
RESULTS
Credit control case studies and results
See how Collect Wise has helped businesses reduce aged debt, strengthen credit control processes and improve the way overdue payments are managed.
Reduction in aged debt within four months.
Aged debt outstanding by January 2026.
Huge Reduction in Aged Debt For Go Live Data
Who we help
Credit control support for businesses that need to get paid
Collect Wise supports businesses that:
- Have overdue invoices sitting on the aged debtor report
- Rely on owners, admin staff or bookkeepers to chase payment
- Don’t have a dedicated credit controller
- Have customers who pay late but still need careful handling
- Want better credit control without jumping straight to full outsourcing
- Need clearer payment terms, chasing routines and escalation points
- Want professional commercial credit control and collections support for their business.
Do you know how long it really takes customers to pay?
Your Days Sales Outstanding figure shows how long it takes, on average, to collect payment after a sale. Use the free DSO calculator to get a quick view of your debtor position and whether slow payment is starting to affect cash flow.
NOT SURE WHERE TO START?
Tell us what’s happening with your credit control
Whether the problem is overdue invoices, a process that isn’t working or a team that needs more confidence chasing payment, tell us what’s happening and we’ll help you work out the right starting point.