CGI Credit Guard Inc.

10/13/2026

The Invoice Is Real. But Is the Bank Account?

A legitimate supplier. A familiar email conversation. An invoice that looks exactly as expected.

But what happens when the banking information has been changed by a fraudster?

Payment redirection fraud is a growing concern for Canadian businesses, and the consequences can extend well beyond the initial financial loss. For credit managers and accounts receivable professionals, a fraudulent payment can leave two legitimate businesses facing a difficult situation: one believes the invoice has been paid, while the other has never received the funds.

In Our Latest Article, We Explore:
-How payment redirection fraud and business email compromise work
-Warning signs that may indicate fraudulent banking instructions
-Why these incidents can become accounts receivable disputes
-Practical steps businesses can take to verify payment changes

A simple verification process could prevent a costly payment mistake. Read the latest blog here: https://www.cgicreditguard.com/payment-redirection-fraud-canada/

10/12/2026

Happy Thanksgiving!

10/09/2026

A long-standing customer suddenly starts paying on Day 45 instead of Day 30.
Then Day 50.
Then Day 60.
Nothing dramatic has happened—but something has changed.

Changes in payment behaviour can be an early indicator that an account deserves a closer look. Credit managers don't necessarily need to react to every late payment, but patterns matter.

Watch for:
-Gradually increasing payment times
-Requests for repeated extensions
-Broken payment commitments
-Unexpected changes in ordering behaviour
-Difficulty reaching your usual contacts

The earlier a change is identified, the more options you generally have for managing the account. Submit your collection today: https://www.cgicreditguard.com/submit-a-collection/

09/30/2026

📅 Tomorrow is October 1st. What’s still sitting in your A/R?

Q4 is about to begin — and those overdue accounts aren’t getting any younger.

Before year-end gets busy, now is the time to review your receivables and identify accounts that have moved from “late” to “unlikely to pay without action.”

The longer an account remains unpaid, the harder it can become to recover.

CGI Credit Guard helps Canadian businesses turn overdue receivables into recovered revenue — while keeping the process professional.

Don’t carry unnecessary bad debt into Q4.

📞 Send those overdue accounts to CGI Credit Guard and let our collection professionals get to work.

09/22/2026

A long-standing customer has always paid reliably. Their credit limit was established years ago, the account is in good standing, and then you learn the business has been sold.

Should the existing credit account simply continue under the new ownership?

Not necessarily.

A change in ownership can mean changes to the company’s financial position, management, banking arrangements, corporate structure and even the legal entity responsible for new purchases.

For credit managers, that makes an ownership change an important time to review the account rather than simply relying on the customer’s past history.
In our latest article, we look at:
-Whether an existing credit limit should automatically continue
-What information should be re-verified after an ownership change
-Why the legal entity behind a familiar business name matters
-What to consider when invoices are already outstanding
-Warning signs to watch for following the transition

A customer’s history matters, but credit should not run indefinitely on history alone. Read the blog, Your Customer Changed Ownership. What Happens to Their Credit?

A customer ownership change can affect credit risk. Learn what Canadian credit managers should review before continuing an existing credit account.

09/14/2026

Not every collection experience has to feel cold or intimidating. At CGI Credit Guard, we believe in handling every account with respect, clarity, and care. We make tough conversations easier, keep the process transparent, and always aim to leave people better than we found them.

Have we helped you, too? Drop us a review — we’d love to hear your story.

Western Canada Headquarters: https://g.page/r/CZGD8O3FHHhaEBM/review
Eastern Canada Headquarters: https://g.page/r/CQIZRs0TYumtEBM/review

09/04/2026

One of the strangest situations in accounts receivable: A customer owes you money... while continuing to ask for more credit.

A new order can feel reassuring. They're still operating. They're still buying. Surely they'll catch up. But increasing your exposure doesn't necessarily improve your chances of getting paid. Before approving that next order, look at the entire account, not just the new sale. Sometimes the most profitable sale is the one you don't finance.

08/25/2026

Would you lend a customer $25,000 with no application, no security and no clear repayment plan?

Probably not.

But when a business provides $25,000 worth of products or services and allows the customer to pay later, that's essentially what it's doing: extending credit.

And yet, customer credit decisions don't always receive the same attention as other financial decisions.

Before extending significant credit, businesses should be asking:
-How much exposure are we comfortable carrying?
-Does this customer's payment history justify their current terms?
-Have circumstances changed since those terms were established?
-What happens if this account doesn't pay?

Good credit management starts long before an invoice becomes overdue. Sometimes the best collection strategy is preventing the collection problem in the first place.

08/20/2026

A reliable customer can become a payment risk with little warning. Learn why good customers suddenly stop paying, which changes in payment behaviour deserve attention, and how Canadian businesses can respond before an overdue account becomes a serious collection problem.

Read our latest blog, Why Good Customers Stop Paying: Warning Signs to Watch, here: https://www.cgicreditguard.com/why-good-customers-stop-paying/

08/10/2026

Take 30 seconds and ask yourself these questions:
✔️ Do you have invoices over 90 days old?
✔️ Are customers avoiding your calls?
✔️ Have payment promises come and gone?
✔️ Is one overdue account affecting your cash flow?

If you answered yes to even one of these questions, it may be time to bring in a professional collection agency. Recovering outstanding receivables isn't just about collecting money. It's about improving cash flow, reducing financial risk, and allowing your business to move forward.

CGI Credit Guard has been helping Canadian businesses recover commercial debt for decades.

No Collection. No Fee.