Credit Control Update: November 2025
As the festive season approaches, many businesses begin winding down , but for credit controllers, November is the time to ramp up.
December’s shorter working weeks, staff holidays, and delayed approvals often lead to a slowdown in payments.
By acting now, you can strengthen your cash flow, reduce overdue invoices, and head into 2025 with confidence.
Table of Contents
1. Review Your Aged Debtors Report
Start by analysing who owes you money, and for how long.
Identify accounts that are over 30, 60, or 90 days overdue.
Prioritise high-value debts and older balances first.
Take note of any customers who have developed a pattern of late payment.
Tip: Use November to schedule calls and agree on realistic payment plans before the December rush.
2. Send Early Reminders and Statements
Don’t wait for due dates to pass.
Send gentle reminders in advance to keep payments top of mind.
Issue monthly statements to prompt action.
Keep communication friendly but firm.
Tip: Adding a personal touch (like a quick call) can often speed up results compared to automated emails alone.
3. Tighten Your Credit Control Processes
Now’s a great time to review and refine how you manage credit.
Are your terms clear and up to date?
Do you run credit checks on all new customers?
Is your follow-up schedule consistent?
Action point: Update your credit policy and ensure your team has clear escalation procedures for overdue accounts.
4. Act on Problem Accounts Before December
If an invoice is already significantly overdue, don’t wait until after Christmas to act.
By the time January comes, your debtor’s cash flow may be even tighter.
Engage a professional credit recovery partner early.
The sooner you escalate, the higher your chances of full recovery.
Darcey Quigley Tip: Many successful recoveries happen when action is taken in November before offices close and finance teams go quiet.
5. Forecast for the Year Ahead
A strong end to the year sets the tone for 2026.
Review cash flow forecasts based on expected payments.
Identify any potential shortfalls early.
Use insights from this year to adjust your credit terms or client onboarding for next year.
Tip: November’s data can reveal trends to help improve future credit control strategy.
Conclusion
Don’t let the festive slowdown impact your business finances.
By taking proactive steps in November, you’ll not only recover more outstanding invoices – you’ll also enter 2026 with a stronger, healthier cash flow.
Need support recovering overdue invoices before year-end?
Contact our expert team today – we’ll help you get paid faster and take the stress out of credit control. Or alternatively action your case today here.
