We are a B2B Credit Risk Management company based in the GCC. We are a trusted partner to local and multinational brands. Our services are tailor-made to suit the needs of various industries delivered by a “best of breed” team of professionals. We cater to customers across construction, logistics & freight forwarding, hospitality, travel, technology, engineering and many others.

Best-in-class Team

Expert team of professionals with a combined experience of 80+ years in Credit Management


Smart online platforms to facilitate automation, communication and live updates

Worldwide Coverage

CMS through its wide network of partners has the capability to offer reporting and debt mediation services globally


You are our partners; we listen and engage with you to find the right answers


Growth Partners

Growth Partners facilitates the growth of companies by working with Owners, Boards and Management. We focus on the transformation of structures, processes and systems to improve the scalability of the company.

We advise on transformation, corporate governance, digitization, and offer CFO services with an experienced team of consultants and advisors and a proven track record of success cases.

Al Dahbashi Gray

Al Dahbashi Gray is a full-service law firm based in Dubai. With a dedicated representative office in London, and a bespoke network of leading firms and individuals across the globe, our clients enjoy a truly international service.

We employ a team of high-calibre and dynamic lawyers, from international and local backgrounds, to deliver expert advice and comprehensive legal and professional services. Our clients have uncompromising high standards, and so do we. Combined with a responsive and friendly attitude, we work hard to generate premium outcomes.


The Chartered Institute of Credit Management (CICM) is the largest recognised professional body in the world for the credit management community.

Formed over 75 years ago, the Institute was granted its Royal Charter in 2014. Representing all areas of the credit and collections lifecycle, it is the trusted leader and expert in its field, providing its members with support, resources, advice and career development as well as a networking and interactive community.

We pride ourselves in setting the highest standards and offer a comprehensive range of training and Ofqual regulated qualifications that have become the recognised standard in the credit profession. Our qualifications and range of flexible learning opportunities equip our members with the professional skills they need at every stage in their career.  We help organisations of all sizes manage credit and maximise cash collection efficiently and professionally in an increasingly challenging business environment.

Through a comprehensive programme of publications, communications, helplines, conferences and regional events, we ensure our members are supported, kept up-to-date and equipped to meet the demands of the crucial role they perform in modern business.  Our website resources are complemented by a range of webinars and social media activity.

We promote professionalism and best practice through our award-winning Credit Management magazine, and our CICMQ quality accreditation scheme recognises outstanding organisations. Giving our members a voice, we influence government policy and direction, and collaborate with other business organisations.  Our close relationship is exemplified through our management of the Prompt Payment Code for the Department for Business, Energy and Industrial Strategy (BEIS), and the highly acclaimed CICM Managing Cashflow Guidesof which we were the authors.

JOIN ONLINE TODAY to enhance your career and earnings potential, and join the growing network of members around the world gaining from the respect afforded to holders of our post-nominal letters. Experience the benefits of belonging to the largest professional credit community.

TCM Group

International debt collection and recovery can be one of the most complicated and costly tasks your business will face. In your efforts to clear your books of delinquent debt and get cash flowing again, you are most likely having problems:

  • arriving at an amicable, out-of-court solution;
  • communicating or negotiating in the language of your debtor;
  • understanding the laws of the land where your debtor is located;
  • dealing with debtors or debt collection agencies in a number of countries, across several time zones, and multiple currencies;
  • finding a debt collection services provider that will consolidate all of your of worldwide commercial debt collection endeavours into one efficient and effective collection operation; or
  • finding reliable and cost-effective legal counsel in your debtor’s jurisdiction.

If so, then TCM Group International, a unique global alliance of local debt collection agencies and specialized law firms, is your one-stop global shop for prompt, professional and ethical international debt collection and recovery services.

With representation in over 140 countries spanning every major economic region of the globe, we are in a unique position to deliver fast, effective solutions to the complex challenges of your global debt recovery problem—all on a ‘No Win, No Fee’ basis.

Lynwood Consulting UAE

Can you afford not too?  It shouldn’t be a question of can you afford me, but can you afford not too? Having worked with small and micro businesses throughout my career and specifically in my last role as the CEO of Gulf Finance, I am well placed to support and advise SMEs with the many challenges they face.  I have also set up my own small business so I have an understanding of what it takes. So why choose me over deciding to continue as you are and not spending anything on your business?

One of my mantra’s is “don’t practice struggle”  Often this can be a case of getting a fresh pair of eyes on a problem or bouncing ideas around on how to solve it. I bring a wealth of practical hands-on experience, accumulated from over 30 years of working in banking, finance and insurance in emerging markets – particularly in the Middle East.  Assistance could be by way of undertaking a critical diagnostic of your business, helping you present a case for finance to your Bank, assistance with the feasibility study for a new product or entering a new market.


Tell us about your debt collection requirements or your plans to implement a strong Credit Management Culture. We will help you in achieving your business targets!