Option three - Debt collection and
other providers

• Debt collection
• Tracing gone aways
• Repossessions
• Credit reports
• Credit insurance
• Cease relationship with customer
• Expensive: due to no customer
• retention and financial cost of actions
• End of the line
• Last resort
• No opportunity to further sales
• Indirectly could encourage negative
• publicity

Option two - APP Services
Member of the Institute of Credit Management
Professional service
Diplomatic approach to slow payers
Improve in-house process and procedures to prevent
last resort
Improve communications with customers
Chance to retain customer
Better value for money, cheaper alternative
Work in conjunction with your existing resources
Assist business to recognise drains on cash flow
Assist the business to deal with issues causing
slow/non-payment
Assist the business and staff to improve relations, both
in-house and externally
A common goal to improve cash flow