Cashflow and working capital issues?
Get itsettled.
Cut debtor days, recover overdue invoices and strengthen credit control in just 90 days — without damaging customer relationships.
Unlock cashflow with expert credit management and credit control advisory services
We work alongside your finance team for a maximum of three months — discreetly, transparently, and effectively. You stay in control while we unlock overdue debt, strengthen processes and leave your team with lasting capability.
£1bn+
Recovered for UK businesses since 2009
20–30 days
Typical reduction in Days Sales Outstanding
+30 years
Credit management expertise
action and organisation that starts producing results immediately
Problems we solve
Late payments don’t just delay cash — they damage confidence
Too much aged debt?
If more than 10% of your sales ledger is stuck over 100 days, you’re not alone. We unlock working capital quickly so you can stabilise cashflow.
Cashflow under pressure?
We help finance leaders cut DSO by 20–30 days and recover cash without adding staff or risk.
Invoice finance pressure?
We strengthen debtor management and improve your funding readiness.
Reputation at risk?
We help you stay compliant with payment practices reporting, protecting both funder confidence and supplier trust.
No collections process in place?
If your finance team is stretched or underperforming, we embed policies, procedures and the right people to take back control.
How we help
Proactive Hands-On Intervention
We step in discreetly to resolve overdue invoices, clear bottlenecks and get cash moving again from day one.
Strengthening Your Credit Processes
We refine your policies, workflows and behaviours so your Order-to-Cash function becomes consistent, structured and predictable.
Expertise That Integrates Quietly
Our team works as an extension of yours, communicating in your voice and protecting customer relationships throughout.
Sustainable, Long-Term Capability
We leave your finance team stronger, better equipped and fully prepared to maintain healthy cashflow long after our involvement ends.
How a typical project works
Month 1
Unlock working capital
We move fast to recover overdue invoices and inject cash back into your business — giving immediate breathing room for payroll, suppliers and growth.
Month 2
Strengthen credit control
We resolve queries, put policies in place, and upskill or recruit support so your collections process is no longer a bottleneck.
Month 3
Future-proof your finance function
We embed lasting credit control policies, systems and provide ongoing collections management support. We’ll hand over so your team stays in control — leaving you stronger, not dependent on us.
From immediate collections support to longer-term credit control and collections assistance, we deliver measurable cashflow improvements that boards, auditors and funders recognise.
Trusted by the best
itsettled is led by Glen Morgan, one of the UK’s most experienced credit management specialists. With decades spent advising major banks, funders and national organisations — including direct consultation at government level – Glen has built a reputation for restoring stability where it matters most. His work has shaped industry training, informed best practice, and supported some of the country’s largest finance teams in strengthening their approach to credit control.
Over the past decade, the wider team has helped recover more than £1bn for UK businesses across multiple sectors. That experience sits behind everything we do: steady, discreet intervention backed by a deep understanding of how complex finance functions operate. When leaders choose itSettled, they do so because they want expertise they can trust, delivered with the professionalism their organisation expects.
I have been really impressed with the work from the team. They prepared a concise 3-month plan for us to tackle our aging debtor balance and our teams worked together seamlessly.”
Karen Ko, CFO, Florence Staffing
Glen is full of energy and gets results – fast. I would have absolutely no hesitation in recommending Glen and Credebt to my clients.”
Terry Wolfendale, Head of Sales (South), Time Finance
Begin the Process
Getting started is straightforward. A short, no-obligation conversation is often all it takes to understand your situation and outline the clearest path forward.
We're happy to arrange an on-site visit, a video call or whichever method best fits your availability. We’ll talk through your challenges, gather the essentials, and give you a realistic view of how quickly we can improve your cashflow with minimal disruption to your team.
You’ll come away with clarity, a plan, and a clear sense of what the next 90 days would look like with our support.
Call Us Direct:
0117 959 6433
Or schedule a meeting: