SMEs Default More Often Than Large Corporates | CMS Credit Management Services

If You’re Entering the GCC, Do You Actually Know How Its Businesses Pay?

Every week brings another headline about the GCC: record foreign direct investment, mega-projects, a young and fast-growing consumer base. It’s easy to read the coverage and conclude that entering this market is simply a matter of showing up with a good product and the right local partner. But...

Aug 13, 20264 min readCredit Management, KYC, Bad Debt, Debt Collection, CreditRating

Credit Management, CFO, Business Ownership, Leadership

What Does It Mean to Lead with Integrity in Credit?

Credit management sits at an uncomfortable intersection. On one side: the pressure to collect, to protect the balance sheet, to hit the numbers. On the other: a human being, a business owner, a family, on the receiving end of every decision we make. How we hold that tension...

Aug 11, 20264 min read

Credit Management, CFO, Cash Flow, Bad Debt, Receivables, Debt Collection

To Every CFO Reading This: You Are Not Alone. And It Is Not Your Fault

You have worked hard to get where you are. The qualifications. The years of experience. The financial modelling, the board reporting, the treasury management, the audit cycles, the investor relations, the strategic planning. The ability to look at a complex set of numbers and understand immediately what they...

Aug 6, 20269 min read

CreditRating, KYC, CFO, Financial Transparency

The Transparency Paradox: When Businesses Want Credit Facilities but Won’t Open Their Books

There’s a pattern emerging across B2B lending and credit markets that deserves a direct conversation — companies pursuing credit facilities while simultaneously resisting the very process designed to secure them. The Disconnect at the Heart of B2B Credit When one business extends credit to another — whether through...

Aug 4, 20264 min read

Credit Management, Cash Flow, Bad Debt, Debt Collection, Credit Policy

The Board Director’s Question Nobody Is Asking - Bad debt is on your P&L. Is it on your board agenda?

Board directors carry a fiduciary responsibility for the businesses they govern. They are there to provide oversight, to challenge executive decisions, to ensure that the organisation is managing its risks appropriately and building sustainably for the long term. That responsibility covers financial risk. It covers operational risk. It...

Jul 30, 20264 min read

Credit Management, Cash Flow, Bad Debt, Credit Policy, Receivables

Five Myths About Credit Management That Are Costing Your Business Money

Credit management suffers from a perception problem. In the minds of most business leaders, it is a back-office function. A necessary administrative overhead. Something that happens after the sales team has done the real work. Something that matters when things go wrong but is otherwise invisible. That perception...

Jul 28, 20263 min read

Credit Management, Cash Flow, Bad Debt, Receivables, Credit Policy

Early Payment Incentives vs Late Payment Penalties — Which Actually Works?

It is one of the oldest questions in trade credit. And it remains genuinely unresolved in most businesses — not because the answer is unknowable, but because most businesses have never systematically looked for it. Do you change payment behaviour more effectively by rewarding early payment — discounts,...

Jul 22, 20264 min read

Andy Yiacoumi (MCICM)Founder & Managing Director

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