SME debt collection: Decisive and personal for every entrepreneur

As an SME entrepreneur, you are the engine of the Dutch economy. But unpaid invoices quickly feel like sand in the engine. Every invoice that remains outstanding for too long inhibits your growth, your investments and your sleep.

You don't want complicated legal processes. You want clarity, results and a partner who speaks your language. At Credifin, we collect your outstanding invoices on a No Cure No Pay basis, with respect for your customer relationship.

Want to file directly? You can do so completely online through our portal. Start your collection assignment in a few minutes and we'll get to work for you.

In SMEs, liquidity is everything. An invoice outstanding for months is not only a financial risk, but costs you frustration and time you'd rather put into customers.

Yet many business owners wait too long before engaging a collection agency, often for fear of damaging the customer relationship. This is a shame, because a professional party in particular can make all the difference.

• You no longer have to have difficult conversations by yourself
• Discussion shifts from personal to business
• You show that you organize your accounts receivable process seriously

Our approach connects to your existing accounts receivable management. Are you already working with dunning or a debtor management solution? Then we plug in seamlessly.

You want to make sure you choose a debt collection partner that fits your way of doing business. That's why we build our SME debt collection on three clear pillars.

A. 100% No Cure No Pay in the amicable process.

You don't want to incur additional costs on top of an invoice that is already unpaid. That's why we work on the basis of No Cure No Pay collection in the amicable process.

• No results? Then you pay us nothing for our work
• Well results? Debtor pays collection costs and interest
• You receive the full principal amount you are owed

B. Digital speed, human approach

Through our online web portal, you file within a minute. But behind the scenes work real specialists who call, think with you and switch gears.

• Quickly file online 24/7
• Personal telephone follow-up for complex SME files
• Clear communication to you and your customer

A good conversation often solves more than ten reminders. That's why we combine smart tools with a committed human approach.

C. Wki-certified safety and confidence

Since the introduction of the Wki, the debt collection market has been strictly regulated. As a business owner, you are responsible for the party you hire.

• Credifin is fully Wki registered(Justis no. 0023)
• You are certain that your clients are treated according to the law and with respect
• You reduce your legal and reputational risks

This allows you to collect with confidence, while maintaining your image as a reliable supplier.

We work for a broad group of SMEs. In some sectors, we see recurring challenges. We have tailored our approach extra to those.

Construction and installation engineering

Long payment terms, extra work discussions and lack of clarity about completion are common here.

• We know how to handle disputed claims
• We look at substantiation, quotations and correspondence with you
• We consider long-term customer relationships and chain cooperation

Business services

Do you sell hours or expertise, such as consulting, marketing or IT services? If so, any unpaid invoice is an immediate loss.

• We make the value of your delivered services clear to your client
• We guard your position as a professional service provider
• We connect to your own billing and reminder process

Wholesale and production

In trade and manufacturing, margins are often tight and inventories are expensive. An unpaid delivery is immediately felt in your cash flow.

• We ensure that outstanding deliveries are settled quickly
• We consider follow-up orders and long-term relationships
• We help you reduce risk with a tighter accounts receivable process

Do you work in another sector? Even then we are happy to help you. With our experience in e-commerce, rent collection, healthcare institutions and the self-employed, we always tailor our approach to your practice.

As soon as you submit a file in our portal, our proven SME flow starts. You keep the overview, we take the work off your hands.

Step 1: Direct summons

Your debtor receives a clear summons by e-mail and SMS within a short time, including iDEAL payment link.

• Clear overview of the outstanding amount
• Easy to pay via iDEAL
• Professional but respectful tone

Step 2: Telephone follow-up

Does the customer not respond or is there any doubt? Then our specialists call to find out what's going on.

• We listen to your customer's story
• We review whether there is a substantive dispute
• We look for a solution within your framework

Step 3: Appropriate payment plan

Can the customer not pay the whole amount immediately, but can pay in parts? Then we will make a payment plan in consultation with you.

• You determine the scope of an arrangement
• We monitor deadlines and payments
• You keep track of all appointments in the portal

Step 4: Advice on the judicial phase

Does payment persist and is the customer unwilling? Then together we look at the next step. Sometimes legal action through the district court is the best option.

• Honest advice on costs, opportunities and risks
• Collaborate with bailiffs and lawyers as needed
• Always an informed choice, not an automatic step

This way you keep control of your file and choose how far you want to go in each situation.

No more piles of paper or unclear emails. In our online portal, you can see the status of your files at a glance.

• You track in real time whether the customer has opened the email
• You see if there is a call appointment or payment arrangement
• You see when payments come in and are forwarded

No need to call for an update, but of course you can always spar with your regular contact person. You keep control, we do the collection work.

Want more control over all your outstanding items? Combine SME debt collection with tight accounts receivable management, so invoices get paid faster and end up in collection less often.

You want to do business, not chase unpaid invoices. By choosing Credifin, you are choosing a partner who understands how important healthy cash flow is for your business.

• We focus on your results and your customer relationship
• We work transparently, clearly and humanely
• You always know where you stand

Want to read more about how we work? Then see exactly how debt collection via Credifin works or read practical tips in our knowledge base.

Are you ready to tackle your outstanding invoices? Submit your first case immediately and experience how enjoyable SME debt collection can be.