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The Ledger

Credit control insights for UK businesses.

Our take on credit control, cash flow, and the reality of getting paid in the UK. Insights, opinions, and practical advice for SME owners who are tired of chasing invoices.

Credit Control articles

Credit Control
Credit Control

Should you outsource your credit control? The decision checklist.

Outsourcing your credit control might be the right move. Or it might not. This is an honest framework for working it out, not a sales pitch dressed up as an article.

7 min read19 Mar 2026
Credit Control
Credit Control

Stop being an accidental credit controller.

You did not start your business to chase invoices. But somewhere along the way, that is exactly what happened. You became an accidental credit controller. And it is costing you more than you think.

6 min read19 Mar 2026
Credit Control
Credit Control

Why your Xero automated reminders are not getting you paid.

You did the sensible thing. You set up automated invoice reminders in Xero. So why are invoices still going 30, 60, 90 days overdue? Because automated reminders are not credit control. Here is what is actually going on, and what to do about it.

7 min read19 Mar 2026
Credit Control
Credit Control

The complete credit control checklist for UK SMEs.

This is everything you need to have in place to get paid on time, consistently. Not theory. Not corporate waffle. A real, printable checklist built for UK SMEs that actually want to fix their cash flow.

8 min read19 Mar 2026
Credit Control
Credit Control

How to write a payment reminder email that actually gets a response.

You know you need to chase the invoice. You just do not know what to say. Here are the exact emails to send at every stage (from the pre-due nudge to the final notice), with advice on tone, timing, and what to do when none of them work.

9 min read18 Mar 2026
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