Debtor Days.
Aged analysis.
Collection calls.
Working capital.
Critical Problems We Solve
Effective financial management isn't just about balancing books; it's about removing the friction points that stall your business growth.
Cash flow shortages caused by slow-paying customers
Lost supplier discounts due to poor payment planning
No visibility into who owes you money
Bad debts written off too late (missing tax deduction timing)
The Aged Analysis
The Aged Debtors Report is your single most important cash flow tool. It shows exactly who owes you money, how much, and how long they've owed it.
We categorize debtors into 30, 60, 90, and 120+ day buckets. Anything over 90 days is a red flag. Over 120 is a write-off risk.
- 30/60/90/120 day buckets
- Risk classification
- Write-off identification
- Collection priority ranking
Credit Policy Design
A credit policy is a set of rules that determine who gets credit, how much, and on what terms. Without one, you are essentially lending money to strangers with no contract.
We help you design and implement a credit policy that protects your cash flow while maintaining good customer relationships.
- Credit limit setting
- Payment term design
- Application process
- Escalation hierarchy
Supplier Payment Optimization
Not all supplier payments should be made on the same schedule. If a supplier offers 2% discount for payment within 10 days, that is equivalent to 36% annual return — always take it.
If no discount is offered, pay on the last day of the term. We analyze every supplier relationship to optimize your payment timing.
- Discount analysis
- Payment scheduling
- Term negotiation
- Cash flow optimization
Who Is This For?
- Businesses with large debtor books
- Companies struggling with late-paying customers
- Businesses needing better supplier payment timing
- Companies wanting to improve working capital
Engagement Requirements
- Access to accounting software
- Customer and supplier master lists
- Credit terms documentation
- Invoice records
Deliverables & Results
- Aged Debtors Report (30/60/90/120+ days)
- Aged Creditors Report
- Customer statements and collection letters
- Debtor and Creditor Days calculation
- Working Capital optimization recommendations
South African Compliance Context
"Creations transformed how we handle SARS. No more compliance anxiety."
Trusted Resources
Our Operational Methodology
A structured, 5-step approach designed for precision and clarity.
We analyze your current debtors and creditors to identify slow payers, high-risk accounts, and missed discounts.
We send statements, follow up on overdue invoices, and escalate non-payers according to your credit policy.
We review supplier payment terms to maximize cash flow — paying early only when discounts justify it.
We provide monthly aged reports with commentary on trends and action items.
Professional Insights
For every R1 million in revenue, reducing Debtor Days from 60 to 30 frees up approximately R82,000 in cash.
The biggest mistake SMEs make is having no formal credit policy. Every customer should have a credit limit and payment terms documented.
Paying suppliers early without a discount is essentially giving them a free loan. We identify where this is happening.
Common Questions
Everything you need to know about our debtors & creditors management service.