15/04/2026
Most small business owners think cash flow problems come from not making enough sales.
They don't.
They come from not collecting what you're already owed.
I've seen it repeatedly working with founder-led businesses:
→ Invoices sent. No follow-up.
→ 30-day terms stretching to 90 days.
→ Healthy-looking revenue. Empty bank account.
Credit control isn't chasing. It's a system.
Here's what a solid one looks like:
✅ Send the invoice the same day work is delivered
✅ Set clear payment terms upfront — in writing
✅ Send a friendly reminder before the due date — don't wait for it to go late
✅ Follow up the moment it becomes overdue — firmly but professionally
✅ Pick up the phone — a quick call to check everything is okay goes further than another email
✅ Escalate at day 45 — stop work if needed
✅ Reconcile your debtors ledger every single week
The businesses that do this consistently?
They rarely have a cash flow crisis.
The ones that don't?
They're profitable on paper and struggling in reality.
Your revenue means nothing until it's in your bank account.
Credit control is not an admin task.
It is a survival skill.
—
I'm Sunjeda — finance support for small businesses, eCommerce sellers and startups.
If your debtors ledger is keeping you up at night, let's talk.
FinanceTips Accounting FounderFinance
