Cash Flow Management solutions help UK SMEs get paid faster and reduce overdue debt. Smart assistants handle invoice reminders, credit control, reconciliation, and financial admin with UK legislation and GDPR compliance.
Cash Flow Management solutions help UK SMEs get paid faster and reduce overdue debt. Smart assistants handle invoice reminders, credit control, reconciliation, and financial admin with UK legislation and GDPR compliance—so cash comes in on time, not three months late.
UK SMEs wait an average of 60 days to be paid—double standard 30-day terms. Every overdue invoice ties up working capital and forces expensive overdrafts. We eliminate the awkwardness of manual chasing with consistent, professional collections—reducing debtor days by 30–40% and recovering £5k–£15k monthly in aged debt.
Arthur chases overdue invoices; James manages accounts receivable for property and services; George supports practice admin and junior accounting—so cash comes in on time, not three months late.
Eliminate revenue trapped in overdue invoices and manual reconciliation drag. Every invoice is monitored, every payment chased professionally, every receipt reconciled—creating faster cash flow, reduced bad debt, and 10–15 hours weekly freed from admin chasing.
Cash flow crises don't come from lack of profit—they come from late payment. Cash flow assistants reduce debtor days, recover aged debt, and eliminate manual invoice chasing—so cash arrives faster and working capital stays healthy.
Reduce debtor days by 30-40%
Automated reminders & persistent follow-up—cash arrives faster
Recover £5k-£15k monthly in overdue invoices
Professional credit control—aged debt systematically recovered
Eliminate 10-15 hours/week of manual chasing
Xero, Sage, QuickBooks integration—GDPR-compliant from £350/mo
Estimated aged debt recovery
£10,000
40% recovery rate from persistent professional follow-up on 90+ day debt.
Aged debt target
£25,000
Prevented write-offs / yr
£18,000
Total benefit
£28,000
Cash Flow assistants handle the full collections cycle—from polite reminders through to persistent credit control. Every overdue invoice is chased professionally, every payment reconciled—so cash comes in faster without damaging client relationships.
Arthur monitors outstanding invoices in real-time, sending polite payment reminders at 7, 14, and 30 days overdue. All communications logged, escalation managed automatically—no invoice forgotten.
James handles persistent follow-up on aged debt, coordinates payment plans, sends formal notices, and escalates to designated managers when needed—maintaining cash flow discipline whilst preserving relationships.
George reconciles payments against invoices, updates aged debt reports, flags discrepancies, and maintains accurate financial records—ensuring you always know who owes what and when payment is expected.
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Smart assistants are AI-powered team members that handle routine administrative tasks with human-level understanding.
Unlike basic automation or chatbots, they adapt to your business processes, learn your preferences, and work alongside your team to eliminate the drudgery that holds UK SMEs back.
They comprehend context, nuance, and intent—not just keywords. They can handle complex requests, understand your business terminology, and make informed decisions.
They log into your existing tools—Xero, HubSpot, Slack, Gmail—just like a human employee. No new platforms to learn, no complex APIs to configure.
Every smart assistant works under human supervision. Your dedicated account manager reviews their work, handles edge cases, and ensures quality standards are always met.
They improve over time, learning from feedback and adapting to your evolving business needs. What starts as basic task automation becomes an indispensable extension of your team.
Arthur automates invoice reminders and first-stage collections; James handles persistent credit control and aged debt recovery; George reconciles payments, maintains records, and supports financial reporting—reducing manual admin and improving cash collection rates.
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Solutions explain the Cash Flow outcome. Products are what you buy — staffed desks that write into BureauCRM™ so every touch shares one clean record.
UK SMEs fail not from lack of profit, but from late payment. Below is citation-aware evidence on debtor days, plus a calculator to model the working capital impact on your revenue and payment terms.
60 days
Federation of Small Businesses research shows UK SMEs wait an average of 60 days to be paid—double the standard 30-day payment terms. Late payment creates cash flow crunch, forcing businesses to use expensive overdrafts or miss growth opportunities. Cash flow assistants reduce debtor days by 30-40% through consistent professional follow-up.
Source: FSB Late Payment Survey (2024); consistent with UK Government late payment statistics.
£22bn
Over £22 billion is owed to UK small businesses at any given time in overdue invoices. This working capital constraint limits hiring, investment, and growth. Automated credit control releases this trapped cash through persistent professional collections—reducing both overdue balances and future late payment incidence.
Source: UK Government Business Population Estimates; FSB late payment impact reports.
50,000
Approximately 50,000 UK businesses fail each year due to cash flow problems—not lack of profit, but inability to collect receivables fast enough to meet obligations. Poor credit control directly causes insolvency. Professional collections discipline prevents cash flow crises before they threaten viability.
Source: Insolvency Service UK statistics; widely cited across UK SME cash flow research.
8% + base
UK Late Payment of Commercial Debts Act allows businesses to claim 8% + Bank of England base rate on overdue invoices plus £40-£100 fixed debt recovery costs. Yet most SMEs don't enforce this—losing thousands in statutory compensation. Cash flow assistants automatically calculate and reference statutory interest in reminders, improving both payment speed and compensation recovery.
Source: Late Payment of Commercial Debts (Interest) Act 1998; UK Government guidance.
WORKING CAPITAL RELEASED
£35,000
Debtor days reduction
21 days (-35%)
ROI
292%
Model assumes 35% debtor days reduction from automated reminders and professional credit control. Cash released is one-time working capital improvement. Actual results depend on debtor profile, payment terms, and collection discipline. Not financial advice.
Real UK engagements. Named operators. Measurable outcomes — so the 14-day probation isn't a leap of faith.
Big-budget automation programmes and enterprise rollouts often stretch for months before teams feel the benefit. Your managed smart assistants can go live in about 14 days. Our managed onboarding protocol works alongside your existing tools and workflows—so day-to-day disruption stays low and your stack is not replatformed overnight.
We map your SOPs, tone of voice, and escalation protocols.
We configure the assistant's knowledge base to support your team's workflows and culture.
You test the assistant in a safe, offline environment.
The assistant receives live login credentials and begins work.
Deploy your managed smart assistant today. If, after 14 days, you do not see a tangible reduction in workload, we will offboard the assistant and refund 100% of your first month's invoice. No tribunals, no questions asked.
Every assistant comes with dedicated account management and human oversight. These aren't faceless bots—they're part of your team, backed by ours.
