Kredcor Articles
How to Read a South African Business Credit Report Like a Pro — The Essential 2026 Guide 📄 Executive Summary A South African business credit report is a document that summarises a company’s payment behaviour, court judgments, credit exposure, director profiles, and overall credit risk. Reading it correctly helps SME owners, credit managers, financial managers, […]
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How Repo Rate Hikes Dangerously Hurt Debtor Payment Behaviour in South Africa — And What You Must Do Right Now 📋 Executive Summary Topic: The impact of repo rate hikes on debtor payment behaviour in South Africa.Answer in brief: When the South African Reserve Bank (SARB) raises the repo rate, borrowing costs for businesses and individuals rise
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Building a Credit Policy That Doesn’t Scare Away Sales If you are an SME owner or a CFO, you know the “Sales vs. Credit” tug-of-war all too well. Your sales team wants to close every deal under the sun, while your credit department wants to lock the vault and hide the keys. But here is
The Impact of Repo Rate Hikes on Debtor Payment Behavior in SA. Executive Summary Repo rate hikes in South Africa act as a catalyst for significant shifts in debtor payment behavior, often leading to increased delinquency rates and extended Days Sales Outstanding (DSO) for SMEs. As the South African Reserve Bank (SARB) adjusts the repo
When to Write Off Debt for Tax Purposes: The Essential Section 11(i) Guide Every CFO Needs Stop leaving money on the table. Learn exactly when and how to claim your bad debt deduction under South Africa’s Income Tax Act — and avoid the SARS pitfalls that catch most businesses off guard. By Kredcor | Updated April 2026 |
The Dangerous Psychology of the “Professional Runner” Debtor — 9 Proven Ways to Catch Them Fast The ultimate guide for SME owners, credit managers, financial managers, and CFOs who are tired of being outsmarted by serial evaders. By Kredcor Debt Recovery Team | Updated April 2026 | Reading time: ~14 minutes ⚡ Executive Summary A
Credit Insurance vs Third-Party Debt Collection: The Definitive 2026 Guide Every Smart SME Needs ⚡ Executive Summary Credit insurance vs third-party debt collection — both protect your business against bad debt, but they work in fundamentally different ways. Credit insurance is a proactive financial product: you pay a premium, and if a customer fails to pay, your insurer
How to Powerfully Structure an Internal Credit Department for Growth If your business extends credit to customers, the structure of your internal credit department will either protect your cash flow — or quietly drain it. This guide shows you exactly how to build, organise, and grow a credit department that works. 📌 Executive Summary Structuring an internal
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Hidden Costs: The Shocking Real Price of “Doing Nothing” About Bad Debt For SME owners, credit managers, financial managers, and CFOs who want to stop losing money silently — starting today. By Kredcor Commercial Debt Recovery | Updated April 2026 | 26+ Years of B2B Collection Experience | CFDC Reg Nr 0016365/06 📋 Executive Summary Bad debt — unpaid
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A step-by-step guide on how to conduct a powerful credit risk audit on your top 20 debtors. Protect your cash flow, spot bad debt early, and manage debtor exposure ⚡ Executive Summary A credit risk audit on your top 20 debtors is a structured, systematic review of the customers who hold the largest balances in
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