FOR UK SMEs
Credit control services that stop late payment becoming normal
Whether invoices are already overdue, late payment keeps repeating or your team needs help with collections, Collect Wise gives you a clearer way to get customers to pay.
- £25m+ debt recovered
- 500+ organisations supported
- 30+ years’ experience
DIFFERENT PAYMENT PROBLEMS NEED DIFFERENT ACTION
HOW WE CAN HELP
Late payment usually starts before the invoice is overdue
Credit control problems often begin earlier in the payment process. Unclear terms, missing information, inconsistent chasing and unresolved disputes can all make payment easier to delay.
Collect Wise helps businesses at three stages: dealing with aged debt that already exists, improving the credit control process behind repeated late payment, and training the people responsible for getting customers to pay.
Our Services
Practical credit control services to improve cash flow
Aged debt action plan & templates
For businesses with several overdue invoices and no clear priority.
We review the aged debt, identify what needs attention first and give you a practical 30-day action plan.
- Your aged debtor report is growing
- Debts are moving into older columns
- Customers keep making payment promises
- Disputes and excuses are delaying collection
- Nobody is certain what to chase or escalate next
Credit control review & setup
For businesses where late payment keeps repeating.
We review the credit control process, identify what’s causing the delays and help put a stronger system in place.
- Late payment keeps happening
- Purchase orders or accounts-payable details are frequently missing
- Invoices are queried after they become overdue
- Chasing depends on who has time
- Credit control has no clear owner or escalation process
Credit control
training
For teams responsible for getting customers to pay.
Practical training covering chasing, payment conversations, disputes and escalation.
- Chasing is inconsistent
- Payment calls feel uncomfortable
- The wrong accounts receive attention
- Customers’ excuses go unchallenged
- Follow-up actions and escalation points aren’t clear
FIND YOUR STARTING POINT
Which payment problem are you dealing with?
You don’t need to know which service to ask for. Start with what’s happening now.
01
Several invoices are already overdue
Your aged debt is growing, customers keep promising payment, disputes are sitting unresolved or you’re not sure which accounts need attention first.
Start by prioritising the debt and giving each account a clear next action.
02
Late payment keeps coming back
If the same payment problems keep repeating, the cause is often further upstream: payment terms, onboarding, invoicing, chasing, disputes or escalation.
A credit control review identifies where the process is breaking down and what needs to change.
03
Your team needs a stronger way to chase
The process may exist, but inconsistent follow-up, difficult conversations or uncertainty around escalation can still leave invoices unpaid.
Practical credit control training helps teams handle chasing, disputes and payment conversations more consistently.
How We Work
From uncertain chasing to clear next actions
1
Review
2
Prioritise
3
Act
4
Improve
We help you build clearer credit control so fewer invoices are left to drift into aged debt.
THE COMMERCIAL COST
Late payment is still costing UK SMEs
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 deal with those issues earlier, before they become another overdue account.
Why Collect Wise
Credit control services built from experience
Collect Wise brings more than 30 years of credit management experience and over £25m of recovered debt into practical support for businesses that need to get paid.
We’ve worked across hundreds of businesses and seen the same problems from every angle: invoices nobody follows up, payment promises that drift, disputes that sit unresolved, weak processes and accounts that should have been escalated weeks earlier.
That experience helps us work out what needs fixing, what needs chasing and what needs a different approach.
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.
How Go Live Data strengthened credit control and reduced aged debt
See how ongoing credit control support brought greater structure, clearer collection decisions and measurable improvement to the aged-debtor position.
FREE PRACTICAL RESOURCE
One overdue invoice?
Start here.
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.
COMMON QUESTIONS
Frequently Asked Questions
What credit control services does Collect Wise provide?
Collect Wise provides aged debt reviews and action plans, credit control consultancy and setup, and practical credit control training for UK SMEs. Each service addresses a different part of getting customers to pay.
Which credit control service do I need?
If you already have several overdue accounts, start with the Aged debt action plan. If late payment keeps repeating because the underlying process isn’t working, start with Credit control consultancy. If the process exists but your team needs help applying it, Credit control training may be the better fit.
Can Collect Wise help with overdue invoices?
Yes. If several customer accounts are overdue, we can review the aged debtor position, identify which accounts need attention first and give you a practical action plan for chasing, resolving disputes and escalating where necessary.
Can you help prevent customers paying late in future?
Yes. Our credit control consultancy reviews payment terms, onboarding, invoicing, chasing, disputes, escalation and internal ownership to identify where payment is being allowed to drift.
Can you train staff responsible for chasing customers?
Yes. Collect Wise provides practical credit control training for finance, administration and operations teams responsible for chasing payment, handling disputes and managing customer payment conversations.
Do you provide outsourced credit control?
Collect Wise focuses primarily on helping businesses improve their own credit control through aged debt action planning, consultancy and training. Ongoing managed credit control may be available for selected clients where it is the right fit.