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SME debt collection: a playbook that actually works

Small and mid-sized businesses rarely have a dedicated collections department. These practices keep cash predictable while protecting client relationships.

Start with a single source of truth for open invoices, promises to pay and disputes. When credit management lives in spreadsheets, DSO drifts and unpaid invoices pile up before anyone notices.

Define clear steps: polite reminder, firm reminder, call, then escalation toward contentieux or a partner. Multichannel dunning (email, letter, portal) beats email-only campaigns because it matches how your customers actually work.

Use reporting to watch aging buckets weekly. If assurance-crédit or internal limits apply, trigger reviews before exposure spikes. OptiBFR ties relance, litigation tracking and portfolio views so your team spends time on exceptions, not copy-paste.

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