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What Is Fractional Credit Control?
Fractional credit control means outsourcing your credit control function on a flexible basis.
Instead of employing a full-time credit controller (with salary, NI, pension, holidays and recruitment costs), you access an experienced team for the time and level you actually need.
Think of it as:
- Specialist support
- Embedded into your systems
- Focused entirely on getting you paid
- Without the overhead
Simple.
What Does a Fractional Credit Controller Do?
We don’t just “chase debt”. We manage your receivables properly.
Here’s what that looks like in practice:
Proactive Payment Management
- Structured reminder processes before invoices fall overdue
- Consistent follow-ups once they do
- Clear, documented communication trails
Late payment is often a process problem. We fix the process.
Professional Customer Communication
- Polite but firm conversations
- Query resolution
- Escalation where required
You keep the relationship. We protect the cash.
Aged Debt Reduction
- Targeted recovery plans
- Clean-up of historic debt
- Early intervention to prevent write-offs
Reducing aged debt improves cash flow and reduces bad debt risk. That’s measurable impact.
Reporting & Visibility
- Clear debtor reports
- Insight into payment trends
- Support for forecasting
You can’t manage what you can’t see. We give you the numbers.
Systems Integration
We work within your existing accounting software and processes. No disruption. No drama. Just structure and consistency.
Why Businesses Choose Fractional Credit Control
Across SMEs, construction firms, professional services, creative agencies and growing businesses, we see the same patterns.
1. Cash Flow Is Tight (Even Though Sales Are Strong)
Growth without cash discipline creates stress.
If turnover is rising but your bank balance isn’t, your debtor days are probably creeping up.
A structured credit control process reduces debtor days and stabilises cash flow. That’s not theory — that’s operational discipline.
2. No One “Owns” Credit Control
In many businesses:
- The FD is too strategic
- The finance assistant is overloaded
- The business owner ends up chasing invoices
And let’s be honest — most owners don’t enjoy that call.
Fractional credit control gives the role clear ownership and accountability.
3. You Can’t Justify a Full-Time Hire
If you don’t have the volume for a full-time credit controller, but you absolutely need proper control, fractional is the logical step.
You pay for expertise — not idle capacity.
4. Growth Has Outpaced Process
When businesses scale quickly, credit control often lags behind.
More customers.
More invoices.
More complexity.
Without structure, overdue balances multiply quietly.
Fractional support restores control before it becomes a problem.
5. You Need Temporary or Project Support
- Backlog of aged debt
- Staff absence
- Maternity cover
- System transition
Fractional credit control can be short-term, targeted and outcome-focused.
The Financial Case
Let’s keep this practical.
If you reduce debtor days by even 10–15 days, the impact on working capital can be significant.
For a business turning over £1m per year:
- 10 days improvement can release tens of thousands of pounds back into cash flow.
That’s money already earned. Just collected properly.
Compare that to:
- Recruitment costs
- Salary and on-costs
- Management time
Fractional credit control is often the most cost-effective way to improve liquidity without borrowing.
Why Outsource to My Credit Controllers?
We act as an extension of your team.
- UK-based specialists
- Consistent, structured processes
- Professional communication
- Clear reporting
- Flexible service levels
We focus on one thing: helping you get paid on time, every time.
No aggressive tactics.
No damaged relationships.
No internal friction.
Just controlled, consistent cash collection.
Is Fractional Credit Control Right for You?
If any of these sound familiar:
- Overdue invoices are increasing
- You’re spending too much time chasing payments
- Cash flow feels unpredictable
- Your finance team is stretched
- Growth is outpacing process
It’s time to consider a different approach.
Credit control is not an admin task. It’s a cash strategy.
Final Thought
Most businesses don’t have a sales problem.
They have a collection problem.
Fractional credit control gives you expertise, structure and accountability — without the cost of a full-time hire.
If you’re ready to strengthen your cash flow and remove the stress of chasing payments, speak to My Credit Controllers.
Because being paid on time shouldn’t be optional.
