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Practical guides for smarter business finance

From credit management to debt collection — expert insights to help your business get paid faster and grow with confidence

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How to choose the right invoice management software

Manual invoicing is costing you more than time. Learn what to look for in invoice management software, and the questions worth asking before you buy.

Invoice management

Payment management

How to use cash flow forecasting to plan for seasonal dips

Seasonal slowdowns catching your business off guard? Learn how to forecast cash flow gaps, plan ahead, and protect working capital through the dip.

Definitions explained

Invoice management

Payment management

What is cash flow, and why does it matter for your business?

Late payments tying up your cash? Learn how to forecast cash flow, tighten credit discipline, and recover working capital.

Definitions explained

What is credit risk management — and why does it matter for B2B?

How B2B finance teams use credit risk management to protect cash flow, reduce write-offs, and make earlier decisions on customer exposure.

Definitions explained

Credit optimisation

In-house collections vs. outsourced collections: pros and cons

Should the collections process sit inside the business, or be handled by a specialist partner – a guide.

Debt collection

Latest guides and articles

How AI and machine learning are transforming debt collection

AI saves European businesses over €100bn a year in payment admin. See what it does across the payments cycle,…

Debt collection

How to monitor overdue accounts before they become bad debt

Overdue invoices turn into bad debt without warning. Learn what to check, how often, and when to escalate, so…

Invoice management

Payment management

Paper vs electronic invoicing: what's the difference?

Leran the difference of Paper vs electronic invoicing.

Invoice management

How to build a B2B credit policy from scratch

Learn how to build credit policy from scratch

Invoice management

Payment management

Cash Flow Lending vs. Invoice Finance: Which Is Right for You?

Figure out what is best for you, cash flow lending or invoice finance.

Invoice management

Payment management

How to recover a commercial debt abroad: a step-by-step guide

A step-by-step guide to recovering a commercial debt abroad. Classify, document, and diagnose before you escal…

International collection

In-house vs. outsourced credit control: pros, cons and costs

Learn what to do, either In-house vs. outsourced credit control: pros, cons and costs

Invoice management

Credit optimisation

A–Z guide to accounts receivable terminology

An A–Z glossary of accounts receivable terminology, from AR and aging to DSO, factoring and write-offs. Clear…

Definitions explained

How to reduce days sales outstanding (DSO): A step-by-step guide

Learn how to calculate, analyze and reduce days sales outstanding with our step-by-step guide.

Payment management

What is commercial debt collection and how does it work

Invoice sent, payment overdue — now what? Learn how commercial debt collection works, when to escalate, and ho…

Debt collection

International debt recovery: what businesses need to know

Cross-border customers not paying? Learn how international debt recovery works — from pre-legal negotiation to…

International collection

What is accounts receivable management: and why does it matter?

Invoiced but still waiting? Learn how accounts receivable management works, why DSO is the metric that matters…

Payment management

How to improve your liquidity: A guide for businesses

Late payments are a growth problem, not just a cash flow one. Learn how to run credit checks early, tighten yo…

Payment management

The most common cash flow issues — and what causes them

Profitable on paper but tight on cash? Learn the seven most common cash flow issues in B2B, why they happen, a…

Debt collection

How do you handle a customer who doesn’t pay?

Learn what to do if a customer doesn’t pay, how to keep the relationship intact, and when to escalate.

Customer experience

Debt collection

Payment management

In-house collections vs. outsourced collections: pros and cons

Should the collections process sit inside the business, or be handled by a specialist partner – a guide.

Debt collection

How to choose the right invoice management software

Manual invoicing is costing you more than time. Learn what to look for in invoice management software, and the…

Invoice management

Payment management

What is cash flow, and why does it matter for your business?

Late payments tying up your cash? Learn how to forecast cash flow, tighten credit discipline, and recover work…

Definitions explained

What is credit risk management — and why does it matter for B2B?

How B2B finance teams use credit risk management to protect cash flow, reduce write-offs, and make earlier dec…

Definitions explained

Credit optimisation

Explore more topics

Corporate indebtedness in Europe

Corporate indebtedness in Europe has become a critical concern as economic pressures push insolvency rates higher. With businesses facing mounting challenges from inflation, supply chain disruptions, and rising interest rates, understanding how these factors interplay is key to navigating the uncertain road ahead.

Financial outlook

Payment trends

2024: €10.5 trillion oustanding receivables

European businesses estimate that they are owed a staggering €10.5 trillion in receivables, an amount close to the combined GDP of France, Germany, and the UK. As this sum grows, the risk of late or unpaid invoices increases, putting significant pressure on businesses' cash flow, liquidity, and potential for future growth.

Financial outlook

Payment trends

AI's growing role in credit management

As AI continues to evolve, European businesses are increasingly turning to artificial intelligence to enhance credit management and improve payment processes. According to the European Payment Report 2024, businesses see AI as an essential tool in handling the complexities of late payments and fraud detection, but there are also significant risks involved.

Payment trends

Automation

European payment behaviour differs across income groups and generations

Data from the European Consumer Payment Report 2025 shows that payment behaviour across Europe varies significantly between income groups and generations. While a growing share of consumers report paying their bills on time, important differences remain when the data is viewed across the population.

Payment trends

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