1. Could you briefly outline your services and USPs?
We are a UK-based specialist lender providing flexible, asset-based funding solutions to support business growth and cashflow.
Our core products include Invoice Finance, Asset Finance, and Bridging Finance, alongside Structured Finance, where we combine multiple products to deliver the most appropriate funding solution for each client. We take a tailored, relationship-led approach, enabling us to understand each business’s needs and deliver the right funding solution quickly, reliably, and with a high level of personal support.
2. What key pressures are your clients facing in the current market?
Our customers are currently navigating a challenging environment shaped by economic uncertainty, rising costs, and tighter liquidity. As a result, many businesses are being required to operate with greater financial efficiency, while maintaining stronger control and oversight of their debtor books to protect cashflow and minimise risk
3. Why is effective cashflow and debtor management so critical for mid-sized businesses today?
Effective cashflow and debtor management is critical for mid-sized businesses, as delays in customer payments can quickly impact working capital and day-to-day operations.
Maintaining control of the debtor book ensures predictable cashflow, while solutions such as Invoice Finance allow businesses to unlock cash tied up in invoices, improving liquidity and supporting ongoing growth.
4. From your perspective, what risks arise when businesses don’t have control over their debtor book?
A lack of control over the debtor book can lead to deteriorating cashflow, increased bad debts, and reduced confidence from funders. It also limits visibility over customer quality and concentration risk, impacts service levels, and creates inefficient processes that result in missed opportunities.
Ultimately, this can restrict a business’s ability to trade effectively and, in more severe cases, threaten its financial stability
5. What impact have you seen itsettled / Credebt has on client cashflow and recoveries?
Credebt has a clear and measurable impact by bringing structure, focus, and expertise to the collections process.
From our experience, their involvement often leads to Improved collection rates in an existing relationship or in a recovery position with a customer, Accelerated recovery of aged or problematic debt, better discipline and consistency within debtor management processes, and enhanced confidence in the debtor book including paper trails supporting the debt for funders when supporting clients.
Their proactive and professional approach helps unlock cash that may otherwise remain tied up in the ledger.
6. How does working with a specialist like itsettled / Credebt complement the support you provide to your clients?
Working with a specialist like Credebt really strengthens the overall support we’re able to provide, bringing an added layer of expertise and independent insight when it’s needed most.
In a recent scenario, Andrew was able to attend site at short notice, travel a considerable distance, and quickly get under the skin of the client’s systems and processes. He provided an objective and experienced view, and supported both us and the client in working towards a balanced and informed way forward.
His clear, honest feedback and ability to act in a time-sensitive situation was invaluable, ultimately helping us make a well-informed decision to support the customer and achieve the right outcome for all parties
For more information on Ultimate Finance visit: https://ultimatefinance.co.uk/