Resources

The government has published the outcome of its late payment consultation. Its proposed reforms include maximum payment terms, mandatory statutory interest, enhanced reporting scrutiny and strengthened enforcement powers.

New legislation in April 2026 substantially changes the risks and responsibilities for agencies using umbrellas and end-user clients.

Organisations with more than 10% of their ledger sitting over 90 days face a significantly higher risk of cashflow instability, even when revenue and insights look strong on paper. Read our guide to avoiding aged debt.

Many businesses feel they don’t qualify for invoice finance or would prefer to obtain more traditional funding instead, but they are really missing out. 

When more than 10% of your ledger sits at over 90 days, or invoice finance providers begin raising concerns, working with the right credit management partner can help restore stability rapidly.