Excellent
Credit Control & Cash Flow Management in London
Stop wasting your valuable time chasing unpaid invoices. Let our friendly, professional team handle your credit control and protect your cash flow, so you can focus entirely on running your business.
Credit Control in London Starts From Just £199 Per Month
Credit Control Service in London
Getting paid on time is the heartbeat of any healthy business. But when clients miss their payment dates, it puts a huge strain on your day-to-day operations. Constantly chasing up late payments is not only awkward, but it also pulls you away from doing what you do best—growing your business and looking after your customers.
That is exactly where our credit control services come in. At Fred Michael & Co, we act as an extension of your own team. We use a polite, professional, and consistent approach to recover your money without damaging your hard-earned client relationships. By combining smart credit management with expert forecasting, we make sure your bank balance stays healthy and your business keeps moving forward.
Dive into Our Services
Outsourced Credit Control Services
Chasing money can feel like a full-time job. By choosing our outsourced credit control services, you can hand that headache completely over to us. We handle the awkward phone calls, send the polite email reminders, and manage your debtor ledger from start to finish. Our goal is simple—get your invoices paid faster while keeping your customers happy so you don’t have to hire a full-time internal staff member just to chase payments.
Cash Flow Management in London
Knowing exactly how much money is coming in and going out is vital. Our cash flow management and forecasting services give you a crystal-clear picture of your financial future. We don’t just look at what happened last month, we build a reliable cash flow forecast for business growth so you can clearly see when you will have the funds to buy new stock, hire more staff, or get through a quiet season safely.
B2B Credit Management
Dealing with other businesses requires a tactful touch, especially when setting payment terms. Our B2B credit management solutions help you set the right credit limits for your business clients from day one. We run the necessary background checks and put solid credit control management practices in place, making sure you only offer credit to reliable partners, which drastically reduces your risk of bad debt.
Who We Serve
We work with a huge variety of hardworking business owners who simply want to get paid on time without the hassle. Our friendly, plain-English services are perfect for:
Local Tradespeople, Creative Agencies, Expanding Tech Startups, Wholesalers, Professional Service Providers, E-commerce Brands, and Construction Firms across London and Essex.
Our Meticulous Services Include
Credit Control
✔️Friendly credit control services
✔️Polite invoice chasing
✔️Reducing late payments
✔️Setting up clear payment terms
✔️Credit control for small business
✔️Resolving invoice disputes
Cash Flow Solutions
✔️Cash flow management services
✔️Bank account monitoring
✔️Spotting cash flow gaps early
✔️Tailored cash flow forecast for business
✔️Expense tracking
✔️Managing supplier payments
Strategy & Consulting
✔️Advice from a credit control consultant
✔️Outsourced credit control services
✔️B2B credit management checks
✔️Credit management services
✔️Guidance from a cash flow management consultant
Your Local Experts Across the Capital and the Home Counties
When it comes to managing your money, you need a local partner who truly understands the daily realities of running a business in your area.
Cash Flow in London
London businesses move fast, and late payments can derail a project instantly. As an experienced cash flow management company, we help fast-paced city businesses keep their cash moving. We provide the quick, professional credit control needed to ensure your city-based clients respect your payment terms without hurting your professional reputation.
Credit Control in Essex
For our hardworking clients across Essex, we offer hands-on, highly accessible support. We take the time to understand how your local business works, offering personalized advice as your dedicated credit control consultant. We handle your local invoicing and chasing remotely, giving you complete peace of mind that your money is being looked after.
Why Choose Fred Michael & Co?
Late payments cost the UK economy almost £11 billion every year
Cash flow problems are not small admin issues — they affect the wider economy. An experienced credit control service helps your business get paid on time and keeps money moving.
Around 14,000 UK businesses close every year because of late payments
That is around 38 businesses every day. Professional cash flow management helps you spot payment risks early before unpaid invoices put pressure on your business.
More than 1.5 million businesses are affected by late payments each year
This represents around 28% of UK businesses. Fred Michael & Co Ltd helps you follow up invoices properly, reduce delays, and protect your income.
18% of surveyed businesses believe some customers pay late on purpose
Late payment is sometimes used like “free finance” by customers. A strong credit control process makes it clear that your payment terms must be respected.
In 2024, there were 23,872 registered company insolvencies in England and Wales
Not every insolvency is caused by cash flow problems, but poor cash flow can quickly put a business under pressure. Strong credit control helps protect the business before problems become serious.
Cash flow is the lifeblood of every business
Profit on paper does not pay bills — cash does. The right credit control and cash flow management support helps you pay staff, settle suppliers, plan ahead, and grow with confidence.
How We Support London & Essex Businesses
Outsourced Credit Control Services in London
Let’s be honest, asking your favorite clients for overdue money is incredibly awkward. By using our outsourced credit control services, we become the polite middleman. We handle all the reminder calls and emails professionally under your brand’s name. This means you get paid faster, and you never have to have an uncomfortable money conversation with your clients again.
Reliable Cash Flow Forecast for Business
A lot of business owners lose sleep wondering if they will have enough cash to pay their staff at the end of the month. We take that worry away by building a clear cash flow forecast for business owners. We map out exactly what money is due to come in and what bills need paying, so you can spot any quiet periods weeks in advance and plan around them safely.
B2B Credit Management
If you sell to other businesses, offering them credit (like 30-day payment terms) is a great way to win work, but it’s also risky. Our B2B credit management helps you check out new commercial clients before you offer them credit. We make sure they have a good track record of paying their bills, which stops you from doing a lot of hard work for someone who might never pay you.
Getting personalized help from a Cash Flow Management Consultant
Sometimes you just need an expert to sit down and look at your numbers with you. As your dedicated cash flow management consultant and tax planner, we help you figure out why you always feel short on cash, even when you are busy. We look at your spending, help you negotiate better deals with your suppliers, and give you simple, plain-English advice to keep more money in your bank account.
Affordable Credit Control for Small Business Owners
You don’t have to be a massive corporation to get professional help with your invoices. We provide highly affordable credit control for small business owners who just need an extra pair of hands. Whether you are a local plumber waiting on five big invoices or an online shop trying to track daily payments, our credit control management team keeps your books perfectly balanced.
Partnering with a trusted Cash Flow Management Company
When you partner with us, you are getting more than just an accounting service, you are getting a dedicated cash flow management company that truly cares about your survival and growth. We provide complete cash flow management services, meaning we watch your daily bank feeds, track every penny, and give you the confidence to make big business decisions knowing your finances are solid.
Want to build a business that gives back?
You’ve worked hard to make a living; now it’s time to build a lifestyle. Let us take the financial heavy lifting off your shoulders so you can focus on freedom and growth.
To learn about our credit control service, please fill in the enquiry form below with your full details and a convenient time to discuss your options without any obligations.