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We offer three packages to suit your business needs. Joining FSB Connect is free, our Business Essentials package starts at £177 in the first year and our specialist Business Creation package has a fixed price of £133.
The scourge of late payment is, and continues to be, a mighty problem for the small businesses. Government figures published late last year indicate that small and medium-sized UK businesses as a whole were owed £26.8 billion in late payments.
But on-time payment can be make-or-break and it’s imperative that businesses take steps to secure it. Here are my top tips for getting paid on time:
Unless you do a credit check, you just don’t know whether a client is capable of paying you. There are now online ways to determine the creditworthiness of your business partners in an instant, and also the opportunity to find out if there is any change to a credit rating, so protecting your business even further.
An obvious one, but it is one of the biggest reasons for late payment. It can be tricky to make time for paperwork when you’re caught up with running a business, but invoices can’t be ignored. Schedule time in your calendar to get invoices out quickly and accurately.
Make sure your invoices are professional and well designed, containing all the information your clients’ finance departments (or householders) require, such as purchase order numbers, payment terms and date due. This will help to ensure prompt payment.
Don’t let being busy stop you. If you use an online accounting service, you can set payment reminders for your clients. And don’t just send invoices – direct communication with the person who actually pays you (an accounts department or the householder) is vital. It’s much easier to ignore paper than it is people.
If your invoice clearly states payment terms but a client has not paid them, you could consider a late payment fee. This could be contentious so use it wisely.
Some clients want your work as quickly as possible, so why not explain therefore that payment terms for certain jobs are shorter than the traditional 30 days. It is definitely worth looking at this for emergency work or smaller jobs needed more urgently.
So while the blight of late payment shows little sign of abating, there are clear and simple ways to ensure you don’t fall victim to it.
For information on managing your cashflow through Brexit, click here.
Don’t let late payments give you sleepless nights
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