Leaders in working capital management and credit control
At itsettled, we believe no business should fail just because it struggles to get paid on time, every time.
Precision and action, trusted by the best
We’re specialists in working capital management, credit control and collections management, helping businesses reduce debtor days and strengthen their credit control policies.
After a career leading senior corporate credit management functions within blue-chip companies, Glen Morgan FCICM founded itsettled with a single purpose — to help UK businesses take back control of their cashflow and thrive. Having spent decades advising banks, funders, and even government bodies on credit management best practice, Glen saw first-hand how many great businesses struggle not because of poor products or leadership, but because of delayed payments and weak credit processes.
That insight, and his passion for helping businesses secure their future, led him to launch itsettled as a founder-led, results-driven solution. Built on the experience and reputation of his first company, Credebt, itsettled brings Glen’s proven expertise directly to business leaders. It’s not just about recovering cash; it’s about restoring confidence, building sustainable credit control systems and ensuring long-term success.
With itsettled, clients don’t just buy a service — they buy into Glen’s decades of experience, his trusted reputation in the credit management industry, and his genuine commitment to seeing UK businesses prosper.
What makes us different?
30+ years of expertise
Our founder Glen Morgan, MCICM Graduate and Fellow, has advised the UK Government on late payments and helped write the Credit Control syllabus for the Chartered Institute of Credit Management. He’s backed by a team of experts with combined experience of over 250 years in credit management or invoice finance.
Proven track record
We’ve recovered over £1bn for businesses just like yours since 2009.
A discreet, collaborative approach
We work as part of your team — protecting customer relationships and keeping you in control.
Sustainable outcomes
We don’t just collect overdue debt. We leave you with stronger processes, trained people and board-ready reporting.
No long-term tie-in
Unlike traditional credit control services, we don’t lock clients into lengthy contracts. Every project runs on a clear three-month basis, with visible results from the very first month and no notice period*.
*If at any stage you’re unhappy, you can walk away. That’s how confident we are in our service.
our team
Glen Morgan
Managing Director
Glen has over 25 years’ experience in credit management and is recognised as a leading expert in working capital and credit control. A Fellow of the Chartered Institute of Credit Management, he guides our strategic direction and supports clients facing critical cashflow challenges.
Rachel Blacker
Recoveries Director
With over 20 years in credit management, Rachel leads our Trading Cases and Collect Outs, delivering consistently strong recoveries for funders. An MCICM member, she’s known for her calm, methodical approach.
Terence Pugh
Director
Head of Advisory & Risk Management
Terence is a qualified fellowship accountant with extensive experience in insolvency, turnaround and receivables. He leads advisory work across London and the South East, helping businesses understand risk and stabilise cashflow.
Andrew Hill
Director North
Andrew has more than 25 years’ experience in invoice finance, including senior leadership roles focused on client service and risk. He manages relationships across the North and supports businesses with cashflow, debtor reviews and funding considerations.
Howard Teague
ABL Director
Howard brings over 30 years’ experience in asset-based lending and insolvency, advising lenders on complex ledgers and recoveries. At itsettled, he works with finance providers and turnaround specialists across a wide range of cases.
Ruth Stanley
Senior Recoveries Manager
Ruth has more than 24 years’ experience in invoice finance, specialising in recoveries and credit risk. She manages collect-out cases with a structured, detail-driven approach.
Trudie Tucker
Recoveries Manager
Trudie has over 20 years’ finance experience, including 16 years in credit control and debt recovery. She is known for her problem-solving approach and client-focused mindset. Trudie has over 20 years’ finance experience, including 16 years in credit control and debt recovery. She is known for her problem-solving approach and client-focused mindset.
David Hookings
Recoveries Manager
David has over 20 years of experience within the finance industry where the majority of his career has been within Invoice Finance. During his career he has worked on high-risk and collect-out situations where support has been required.
Alison Knibbs
Senior Manager
Advisory & Risk Management
With 25 years’ experience in receivables and risk, Alison has worked across auditing, credit control and recoveries within both banks and independent lenders. She supports businesses through periods of cashflow pressure with a calm, structured approach.
Glenn Hutchinson
Senior Manager
Advisory & Risk Management
Glenn brings over 25 years of invoice finance experience, supporting clients through complex and high-pressure situations. He leads relationships with invoice finance partners and provides expert business reviews.
Jeff Longhurst
Non-Executive Director
Jeff has over 40 years’ senior-level experience in invoice finance and ABL, including serving as Chair of the UK Finance ABL board. He has held CEO and MD roles and founded a successful invoice finance business. He holds an MA in Law from Trinity Hall, Cambridge.
Emma Mackley
Marketing Manager
Emma has over 25 years’ marketing and PR experience across agencies, corporates and public sector organisations. She leads itsettled’s marketing strategy, helping shape how we communicate our value to clients.
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: