Kredcor Articles
Agriculture & Seasonal Debt: 7 Proven Ways to Time Your Recovery with Harvest Cycles 📋 Executive Summary Agriculture and seasonal debt go hand in hand because farmers and agri-businesses operate on harvest-driven cash flow, not standard 30/60/90-day payment cycles. The most effective way to recover agricultural debt is to align collection timelines with post-harvest windows […]
Export Credit Insurance: 7 Powerful Ways to Protect Your South African Business from Global Debt The definitive, plain-English guide to trade credit insurance for SA SME owners, credit managers, financial managers, and CFOs who export — or plan to. By Kredcor | Registered Commercial Debt Recovery Specialists since 1999 | Council for Debt Collectors Reg.
Collecting from Government Departments: Your Essential PFMA & Treasury Rules Guide (2026) Struggling to get paid by a government department? Learn exactly how the PFMA and Treasury Regulation 8.2.3 work, and get 5 proven steps to collect what you’re owed. 📋 Executive Summary Collecting from government departments in South Africa is governed by the Public Finance Management
Manufacturing & Wholesale: 9 Proven Strategies for High-Volume, Low-Margin Debt 📋 Executive Summary Manufacturing and wholesale businesses in South Africa operate on net profit margins as thin as 2%–8%, yet they issue high-volume invoices and carry large debtors books. A single unpaid account can wipe out the profit from ten successful deliveries. This article provides 9 proven,
Logistics & Freight Debt: 7 Proven Strategies for Recovering Funds in the South African Supply Chain Executive Summary Logistics and freight debt is one of the most damaging and under-managed problems in South Africa’s supply chain. Freight forwarders, hauliers, transport operators, and third-party logistics providers (3PLs) routinely extend credit to clients who delay or default on payment
The Medical Practitioner’s Definitive Guide: Ethics of Collecting Outstanding Patient Fees How to recover what your practice is owed — without compromising your integrity, your HPCSA registration, or your patient relationships. Executive Summary The ethics of collecting outstanding patient fees is one of the most misunderstood topics in South African medical practice management. Medical practitioners have a
Commercial Debt in Construction: The Brutal Truth About Retention Money and Late Payments — and 7 Powerful Ways to Fight Back 📋 Executive Summary Topic: Commercial debt in the construction industry, specifically retention money (retainage) and late payments in South Africa. Key Answer: Retention money is a 5%–10% percentage of contract value withheld by employers to guarantee
Small Business Survival: 7 Proven Ways to Manage Cash Flow When Your Biggest Client Won’t Pay 📋 Executive Summary When your biggest client won’t pay, your ability to manage cash flow comes under immediate, severe pressure. The answer-first response: act within 24 hours, contact the client directly, run an emergency 13-week cash flow forecast, activate
What to Do When a Debtor Files for Debt Review: The Essential Creditor’s Survival Guide 📋 Executive Summary What to do when a debtor files for debt review: When a consumer or sole proprietor files for debt review under Section 86 of South Africa’s National Credit Act (NCA), you as the creditor must act immediately —
Virtual Debt Collection: 7 Powerful Ways Technology is Transforming the South African Landscape 📋 Executive Summary Virtual debt collection is the use of digital technology — including automation, AI, cloud platforms, WhatsApp, and online debtor portals — to recover outstanding commercial debts faster and at lower cost. In South Africa, virtual debt collection is transforming