Articles

By Kredcor Staff — Kredcor, South Africa’s Commercial Debt Recovery Partners.Registered with the Council for Debt Collectors (Reg Nr 0016365/06) | 26+ years of commercial debt recovery | 2 October 2026 Most business owners treat credit risk management as part of collections — something that starts once an invoice is late. That’s backwards. By the

By Kredcor Senior Pre-Legal & Credit Risk Team — Kredcor, South Africa’s Commercial Debt Recovery Partners.Registered with the Council for Debt Collectors (Reg Nr 0016365/06) | 26+ years of commercial debt recovery | 30 September 2026 Picture a steel fabricator in Germiston. On Tuesday it delivers R1.4 million of structural steel to a main contractor.

By Kredcor Africa Team — Kredcor, South Africa’s Commercial Debt Recovery Partners.Registered with the Council for Debt Collectors (Reg Nr 0016365/06) | 26+ years of commercial debt recovery The invoice to your distributor in Lusaka went out in March. It’s now spring, their finance manager has stopped replying, and your attorney says a South African

By Kredcor Gauteng Team — Kredcor, South Africa’s Commercial Debt Recovery Partners.Registered with the Council for Debt Collectors (Reg Nr 0016365/06) | 26+ years of commercial debt recovery Most business owners assume a debt is a debt. Send the reminders, send the letter of demand, hand it over. That’s backwards. Before experienced debt collectors in

Commercial Payment Arrangements: The SME Owner’s Practical Guide How to turn a stalling invoice into a structured, written plan the debtor keeps to — and one you can act on immediately if they do not. Then Commercial Payment Arrangements are defenitely the way to go. By Kredcor Senior Pre-Legal & Credit Risk Team — Kredcor, South Africa’s

Preserve the Relationship, Still Get Paid: A South African Debt Collectors’ Guide to B2B Recovery If a client owes you money and you still want their business next year, how you collect matters just as much as whether you collect. Preserving the client relationship during debt recovery means using a structured, respectful, graduated process — a reminder,

Medical Aid Shortfalls & Rejected Claims: When South African Practices Need Debt Collectors A practical playbook for recovering the money medical schemes and patients owe your practice — before it becomes a write-off. Yes — medical aid shortfalls and rejected claims are recoverable, and writing them off is usually the wrong first move. A structured

📋 Executive Summary Early delinquency management is the structured process of handling a business invoice from the day it first goes overdue until it is paid or moved to formal pre-legal action, usually within a 90-day window. Handled well, it protects cash flow and preserves the client relationship. Ignored, it turns a minor administrative delay

📋 Executive Summary Pre-litigation negotiation is the structured process of recovering unpaid business-to-business debt through direct contact, formal demand, and negotiated settlement — before either party sets foot in a South African court. For SME owners, credit managers, and CFOs, it’s almost always the faster, cheaper, and relationship-preserving route: attorney-led litigation in the Magistrate’s or

7 Steps to a Rock-Solid Credit Control System for SA Businesses Executive Summary: A credit control system is the set of policies, checks and follow-up habits a business uses to decide who gets credit, how much, and how it gets collected on time. For South African businesses, an effective credit control system rests on seven pillars: