About Collect Wise
Helping SMEs get paid properly
Collect Wise helps small and medium-sized businesses deal with overdue invoices, aged debt and the credit control processes that should stop late payment becoming normal.
We work with businesses that have money sitting unpaid, customers promising payment next week, and teams who need a clearer way to chase, escalate and improve how payment is managed.
Practical credit control support, built from real collections experience.
Our Values
Action takers, impact makers
Owners with
integrity
Quality & results driven
Honest &
transparent
The story behind CollectWise
Collect Wise was founded by Paula Bolton after years of working inside credit management, collections and business growth.
Before starting Collect Wise, Paula founded, scaled and sold Franklin James Credit Management. She stayed with the business after the sale, then moved on to build Collect Wise with a sharper focus: helping SMEs take practical action on overdue invoices, aged debt and weak credit control processes.
The same issue kept showing up.
Businesses had done the work. They had sent the invoice.They were owed the money.
But they didn’t always have a proper system for collecting it.
Many had no clear chasing rhythm. Some had weak payment terms. Some didn’t know when to call. Some didn’t know how to respond to disputes. Some had never used a Letter Before Action properly. Others had customers sitting on aged debtor reports for months because nobody knew what should happen next.
Collect Wise exists for that gap.
The gap between polite reminders and formal recovery. The gap where most overdue invoices are allowed to drift.Paula Bolton
Practical credit control and collections support
Collect Wise supports SMEs through three core services.
Aged debt action plan & templates
For businesses with overdue invoices, growing aged debt and no clear collection plan. We review the aged debtor position, identify priority accounts and provide practical templates for reminders, disputes, payment plans, escalation and Letter Before Action.
Credit control review & setup
For businesses where late payment keeps happening because the process is too loose. We review payment terms, invoicing, queries, debtor chasing and escalation points, then help set up a clearer credit control process the team can run.
Credit control
training
For teams responsible for chasing payment. We train admin, finance and operations teams to handle overdue invoices, payment conversations, customer excuses, disputes, payment plans and escalation with more confidence.
What we believe about getting paid
- Payment should have a process
Getting paid shouldn’t depend on memory, panic or one person finally losing patience.
- Chasing should be firm, but not hostile
Good credit control protects the relationship where it can, while still making it clear that payment matters.
- Aged debt needs judgement
Not every overdue invoice needs the same action. Some need a reminder. Some need a call. Some need a dispute resolved. Some need escalation.
- Customers show you who they are
Payment behaviour tells you something. Good customers respect terms. Poor-fit customers absorb time, cash and attention.
- The earlier you act, the easier it is to stay in control
Late payment becomes harder to manage when nobody owns the process.
