Business overview

At Fred Michael & Co Ltd, we help businesses improve cash flow, reduce late payments, and maintain healthier finances through reliable credit control and cash flow management services. We understand that unpaid invoices and inconsistent customer payments can place unnecessary pressure on your business, affecting growth and day-to-day operations. That's why we provide practical, proactive support that helps you get paid on time while maintaining positive customer relationships. Our outsourced credit control service is designed to take the stress out of chasing overdue invoices. We professionally manage payment reminders, debtor communication, account monitoring, and collections, allowing you to focus on running your business with confidence. Whether you are a small business or an established company, we work as an extension of your team to improve payment performance and reduce outstanding debt. Alongside credit control, we provide comprehensive cash flow management and forecasting services to help you understand your financial position and plan for the future. By monitoring cash movement, forecasting future income and expenses, and identifying potential cash shortages early, we help you make informed business decisions with greater confidence. Our B2B credit management solutions help businesses minimise financial risk by establishing effective credit policies, setting appropriate credit limits, reviewing customer creditworthiness, and implementing structured credit control procedures. We also provide expert guidance on payment terms, invoice management, debtor reporting, supplier payment planning, bank account monitoring, expense tracking, and cash flow strategy. Every business has different financial challenges, so we tailor our services to meet your specific requirements. Our experienced team supports businesses across a wide range of industries with practical advice, responsive communication, and proven financial management solutions that improve working capital and business stability. In addition to credit control and cash flow services, we also offer bookkeeping and accounting services, payroll services, tax planning and compliance, VAT services, management accounts, business planning and financial advice, outsourced accounting, Virtual Finance Director (VFD) services, budgeting, financial reporting, and strategic business support. By combining these services under one roof, we help businesses gain better financial control while saving valuable time. At Fred Michael & Co Ltd, our goal is simple—to help you strengthen your cash flow, reduce financial risk, improve payment performance, and build a financially resilient business with dependable accounting and financial support tailored to your needs.