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FW: How to avoid bad debt? 3 tips to help you



Best regards


Jason Boon

SureShots Ltd

T: 0844 8003959


From: Mark Smillie [] On Behalf Of Mark Smillie
Sent: 08 December 2016 11:16
Subject: How to avoid bad debt? 3 tips to help you


First Construction Finance

0800 612 5364

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Mark Smillie
0800 612 5364 or 07710 466166
Visit our website




How to avoid bad debt? 3 tips to help you 

You know what it is like when you have had a great weekend. 

It is Monday morning and you are feeling great and then you are greeted with payment requests from your suppliers and you are thinking it’s not even 30 days and then you are looking at what you are owed and you see.

Over 65% of your Debtor ledger is 30 days or older, with some clients, proudly using you as their free banking facility.

Yes they are using the money they should have paid you, to pay someone else.

You might wish to consider the following.


When a client, gives your accounts department one of the 20 top excuses on why they need another 30 days, not to pay your bill so they can use the funds elsewhere ( you would not begrudge the Director's family a holiday, by not paying what they owe you, would you? Or to pay another Creditor who is not as accommodating as you or you could just offer to pay their HMRC liabilities).

Why not ask your accounts department, to politely suggest that if they are having short term Cash-flow problems, they  try a Finance Broker, there is a firm called Ringrose and Co who specialise in finding Business Finance, why not call Mark Smillie on 0800 612 5364.

Well if we cannot secure funding for them in 5 days, why on Earth are you financing them?


One of the biggest dangers to any business is getting hit by a bad debt; in most cases this could have been avoided by better debt control.

If a client goes into Liquidation owing you £100k that could be your year’s profit (this blog might prompt you to look at your Debtors that are over 60 days, and compare them with last year’s profit figure).
The impact on your cashflow today could be devastating; to recover the loss you would have to complete another order, in excess of £330k at a 30% margin, but this might take 3 months to come through (and you will have to fund the completion of the order) and you are left with a big hole in your cashflow right now.

It is just like someone taking out a £100k from your account today, with no warning or approval from you, how upset would you be if that were to happen?
And what are the potential consequences to your company?

This is how you can lessen the risk?

Tell your accounts department, they are not allowed to sanction any debt beyond 45 days. They have to go to the Board of Directors for approval which must be accompanied with a detailed written request on why they are asking for your firm to finance their firm.
It would be good practice for debt collection to subtly let your slower payers know of these changes.

This should have an immediate impact, because the client will more than likely go to another client who is a softer touch, and they will not want the hassle.
If your client is Credit Worthy but likes to stretch his suppliers to 60-90 days and you do not wish to lose their business then finance can easily be put in place to fund this, you are welcome to call me on my mobile 07710 466166.

If you are approached even by your oldest client, for a delay in payment of an amount of money that you could not easily afford to write off today, this is what you should do.
Tell them that the share holders and directors families have all agreed that any loan extension beyond 60 days or a certain level of debt has to go to an independent firm for a recommendation.
It is part of your duty as a Company Director to safeguard your creditors and your employee also on a personal basis to provide for your future and your families.
Acting as a Finance Company to a business that no one else will finance, without even looking at their books is pretty crazy!

Feel free to call me, if you or your clients need any business help or finance.
Best wishes, 




If you are new to my e-mails, please look me up on LinkedIn or tap in First Construction Finance and/or Mark Smillie into Google

Short term Business Finance £20,000 to £1.5m in 1 to 7 days

Mark Smillie
0800 612 5364 or 07710 466166
Visit our website


Matthew Jones
Arc Steel Fabrication Services Ltd

We are a successful growing company, but unfortunately in our Industry, we could not get the support we were looking for from the High Street Banks, so with a healthy debtor book just sitting there we decided to use it.
Mark has been writing for some time on the importance of choosing the right Finance Company to Finance your book debts.
Well he did everything he writes about, I was introduced to a Company Director, who was genuinely interested in what we did and how we operate, the company we saw have one of the highest client and staff retention rates.
But what I was impressed with was their can do attitude. The whole hassle free process took about two weeks.
My advice is, before financing your invoices, give Mark a call

Noel Paterson
Langstone Engineering Ltd
Retail maintenance specialists.

I have been receiving Mark's e-mail for some time so decided to ring him and pleased to say we received what he writes about good service and it was easy for me.

Andrew Kirkley
OSV Limited
Professionals in Vehicle Supply

We first spoke to Mark Smillie over a year ago with regard to Finance which he arranged quickly and easily for us.

What impressed us again when we spoke to him about two weeks ago, was that like our Company philosophy he truly cares about delivering the best service possible, we wish him well and it is great dealing with people who genuinely care.

Mike Stubbs


My experience of Mark is getting to grips with a distressed situation, quickly and effectively ; and making common sense recommendations on how to take forward ( or sideways ; as the case may be )


Partner at Mishcon de Reya

Chris Davidson

Mark is the Go to Guy for Business Finance and if you are in the Construction/Building related industries he is the man to see.

Mark did his first construction deal in 1990 and knows the decision makers to go to. He makes life easy for his clients because he knows how to put a deal together to achieve a successful result.

If you need someone who thinks outside the box and gets a job done then think Mark Smillie

Discover and Invest Ltd

We are an Installations Company who work in the construction industry and we were looking for some more financial flexibility.

I spoke to Mark on Tuesday and he told me about a form of Finance which was basically raising money from some of our invoices, our choice on how much and how many.

This was not Factoring which we would not do, this type of finance is totally flexible, we can dip in and out use it as much or as little as we wish and collect our own invoices as normal.

Mark took me to the right company, spoke to them behind the scenes and helped fast track my application. It sounded to be too good to be true, no Personal Guarantees, no charge at the bank, no commitments and no annual fees or contract.

A simple form and information to provide; we applied on the Wednesday and were approved Thursday afternoon.

After receiving Mark’s emails for the thick end of 3 years I am pleased I rang him and am happy to endorse him.

David P
Installations Company in Surrey

Dear Mark

I just wanted to take the time to thank you so much for your help over the last 6 months or so. You have been constantly professional, but, at the same time I feel that the Managing Director and I have built a great relationship with you.

We have recommended Mark to other business associates, but more importantly yourself personally, so please accept my apologies if your work load increases. We look forward to working with you again in the future.

Best Regards
Operations Manager——— Construction Ltd
The name is removed for Confidentiality

Dear Mark

My wife and I wanted to formerly thank you, for everything you did. I still cannot believe you spent 5 hours patiently and simply explaining the consequences of what we were about to do. And giving us an entirely different way forward, if we had not met you are income would have stopped and we could have lost everything, 18 years of hard graft down the pan.

We were told we had to give up, you knew we did not want to. Its 6 months later now and we are enjoying life and work again and all our contractors are on board.

Thank you
The name is removed for Confidentiality
Midsize firm of Shop fitting Contractors – Retail and Commercial

Philip Fernandes

Commercial Director at Twice2much Limited

Mark has a unique ability to look at a difficult business situation, find a positive way forward and then make it happen. Currently we only deal with Companies with a turnover exceeding a £100m plus, but Mark gives the same care and attention to a Shopkeeper as to a National Company. I have seen his involvement in more than 50 business situations. He is someone that I would trust to get me where I wish to go.

Amin Kassam

Senior Vice President Retail at Reliance Trends ltd

I have known Mark for quite some time now and would highly recommend him for the value he generates in the assignments he undertakes. He cuts through the issues and delivers results with accurate assessments and on time to the projected outcomes . His work ethic and integrity is beyond reproach coupled with his knowledge in his field. He has a very inclusive approach and coaching style and is highly results driven.

Nigel Temple

Marketing strategist Marketing speaker

Mark is professional, helpful and creative. He will always find a way to help, with regards to companies who face financial challenges. If your organisation needs emergency funding or help with funding, talk to Mark.

Paul Madgin

2020 Webvision -online Marketing Consultant

We have worked with Mark for over 3 years growing his online Business. His passion for delivering what the client wants is infectious. He just loves what he does

Jim Banks

Private Healthcare Consultant at Premier Choice Healthcare

“Mark is professional, thorough and does an excellent job in finding the right solution for the situation at hand, I would certainly suggest speaking to him.

Tim Weedon

Associate at Nestegg properties LLP

Having known Mark for well over Twenty years, I can whole-heartedly endorse his work, any business experiencing difficulties should talk to Mark before they talk to anyone else. He has a long and distinguished career in helping Companies either avoid insolvency, or if that is inevitable, being prepared for the rigours to come

Tony Tappy

Managing Director at Business Improvement Tappy Ltd

I have worked with Mark over many years. I carried out assignments for him and passed assignments to him. He has always achieved great results, on time and within budgets. I would not hesitate to work with him in the future. I would be happy to provide a reference for him.








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