What we do

As a MICM credit professional with a wealth of experience and two industry-related awards to my name, I started Flex Credit Management after becoming increasingly disillusioned with the direction corporate credit control was taking.


Yes, all businesses - regardless of size - need to be cost-conscious and time savvy but in many organisations, advances in technology and so-called streamlining were beginning to replace genuine customer engagement. Overseas outsourcing was causing customer friction. Processes became more automated, communication more templated, and the human element — often the key to successful collections — was being lost. While systems and automation have their place, they cannot replicate the value of a tailored, relationship-led approach taken by friendly, experienced professionals who aren't afraid to have conversations about payments.


At Flex, we do things differently.  We combine our professional expertise with commercial awareness and a personal touch to achieve the right results for your business.


The employment market has changed considerably in recent years. Many smaller businesses simply do not have the need or the resources to employ a full-time credit controller. Instead, the responsibility is often sidelined to somebody else within the business, who may not have the specialist experience required to manage more complex or sensitive debt situations effectively.


At the same time, larger organisations face their own challenges. Fluctuations in sales levels — particularly following periods of cost-saving or restructuring — can quickly create tangible difficulties within the sales ledger. In these situations, additional support is needed, but not always on a permanent basis.


Recruiting and onboarding new staff is both costly and time-consuming and is only worthwhile if the individual stays long term. Many businesses have experienced the recruit–resign–recruit cycle and understand how disruptive and frustrating it can be. During this time, debts continue to age, and the likelihood of successful collection reduces. 

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You have a 90% chance of collecting your overdue debts within the first 60 days following due date.   


Once those debts reach more than 90 days from due date, your chance of a successful collection falls to 50%.


More than 180 days beyond terms, and you have just a 20% chance of collecting what you're owed.


Once a year or more has passed, you’ll likely find yourself writing it off as the chance of successful collection pretty much drops to nil.

At Flex, we provide a flexible, client-led solution, offering professional credit control support without the cost, risk or long-term commitment of permanent recruitment.


Our experience spans a wide range of industries and business environments, and that expertise is brought into every client engagement. The most common thing clients say when they first approach us is that they don't want to aggrieve their customers. Of course! Business is hard enough won and customer retention is crucial. That's why we work as an extention of your business, conveying your ethos and managing your outstanding debts with both professionalism and friendliness, maintaining the customer relationships that matter to you.


We can cover all, some or just one of your credit management requirements depending on what you need and when. No task is too small. Anything from sending copy documents, through calling your customers, to advising on how to word your collection letters for maximum impact and best results. We can even initiate legal procedings if a debt remains unpaid and negotiation hasn't worked.


Our focus is simple:


  • Improve cash flow
  • Reduce debtor days
  • Protect valuable customer relationships
  • Remove the burden of credit control from business owners and existing staff


We believe effective credit control is not just about chasing payment — it’s about communication, consistency and understanding how to achieve the right outcome for your business. 


The 2025 'Late Payment and Payment Methods in Small Businesses' report from the Federation of Small Businesses (FSB) highlights that 54% of small firms report being paid late in the past three months.


20% of these say the problem has worsened since the end of 2024.


Businesses in construction, professional services and retail are among the hardest hit.


Cash flow pressure is cited as the biggest challenge linked to late payment, alongside reduced headroom for growth.



Our rates can be as low as £15.00 per hour depending on the length of your booking and we also offer a'per debt collected' option so what are you waiting for?  Take a look at the various services we can provide to your business and get in touch to discuss your job with us. We never take on work if we are already at capacity so you can rest assured that for the hours and days that we agree, we will only be working for you and no other business.                                                                                          We look forward to making a positive difference to your business.