You send the invoice. Then the chasing begins, and it lands on you or your finance team. Steinfin takes that off your desk. We follow up on every overdue invoice in your name, keep the cash moving, and give you one clear view of where it all stands.
This is not just admin. It is money you have already earned that you cannot use yet.
Cash stays tied up. Money you have already earned funds someone else's business instead of yours.
Your time disappears. Hours each week go into reminders and follow-up calls that are nobody's real job.
Promises get forgotten. A customer says they will pay Friday, and without tracking, Friday quietly passes.
Growth gets harder to fund. When cash flow is unpredictable, every decision to hire, buy or expand carries more risk.
The result
The invoices are being worked. You just watch the cash come in.
Overdue invoices pile upWorked consistently, every single day
Customer questions get missedCaught early, before they stall a payment
Promises to pay are forgottenTracked until the cash actually arrives
Nobody knows what is coming inPaid, promised and overdue, all in one view
What Steinfin is
Your outsourced credit control team.
Outsourced credit control simply means we handle the day-to-day work of getting your invoices paid, so your own team does not have to. We sit between the invoice going out and the cash coming in.
Your businessraises invoices as usual
Steinfinworks every overdue account
Your customersfollowed up in your name
Paidcash and status back to you
A service, not software to runPeople do the work. Our systems keep it organised and visible to you.
Your accounting software stays your main recordWe work alongside Xero, QuickBooks and Sage, never instead of them.
You stay in chargeYour rules, your tone, your relationships. We operate inside them.
How it works
A simple start, with little work on your side.
Getting started is light on your side. Most of the effort is ours.
1
Set up access
You give us authorised access to your accounting system, or send exports, so we start with the full picture of your open invoices.
2
Agree the approach
Together we set the tone, the timing and the rules for when something should come back to you.
3
Prioritise
We work out which accounts matter most right now, so the biggest and oldest balances get attention first.
4
Follow up
Consistent, professional contact by email and phone, in your name, with every promise and query tracked.
5
Report
You get regular reporting: a clear summary of what came in, what is promised and what needs you.
What we handle
The work you keep meaning to get to, done properly.
Every account runs through one operation. You hand over the ledger, we do all of this, and the money comes back to you.
Overdue follow-upEvery invoice keeps moving
RemindersBefore and after due date
Query and dispute chasingDriven to resolution fast
Your ledger, worked every day
Outstanding£148,200$185,000€172,000C$251,000
3 overdue accounts chased today 2 promises to pay tracked 1 paid in full
Promise-to-pay trackingHeld to the date they gave
Prioritisation and escalationBiggest, oldest accounts first
Clear reportingRegular updates on where you stand
Human and technology
Human judgement where it matters. Structure everywhere else.
Chasing invoices well is a human job. Knowing who to call, how to word it and when to push takes judgement. Our people do that. Our systems keep every account organised, record every follow-up, and make sure the next step is always clear.
Nothing falls through the cracks, because every account has a next action.
A complete history of every call, email and promise, in one place.
You get the visibility, without any extra work for your team.
Accounts to work todayExample
Northgate LtdInvoice 2088
£12,600$15,750€14,750C$21,400Overdue 21d
Bright StudiosQuery, artwork
£3,150$3,950€3,700C$5,350In progress
Harbour CoPromised Fri
£7,800$9,750€9,150C$13,250Promised
Meridian InteriorsInvoice 1042
£8,400$10,500€9,850C$14,300Paid
Expected this week£19,350$24,200€22,650C$32,900
Your customers
Getting paid and keeping the relationship are not opposites.
The fastest way to damage a good customer is to chase them badly. So we do not. Every message goes out in your name, in a tone you approve, firm when it needs to be and always professional.
Polite and persistent, the way a good colleague would chase.
The wording and boundaries are agreed with you first.
You can step in on any account whenever you want to.
Where we fit
We understand how your industry actually gets paid.
Every trade has its own payment habits and sticking points. Here is where structured follow-up makes the biggest difference.
Construction and trades
Cash gets stuck in applications for payment, retentions and long main-contractor payment chains. We keep every stage moving so it is not left sitting on site.
Recruitment and staffing
High invoice volumes, timesheet queries and slow client sign-off hold up billing. We chase across the whole ledger so weekly and monthly invoices get paid on time.
Wholesale and distribution
Lots of trade accounts and large ledgers mean overdue balances build up quietly. We keep accounts current and act before small delays become big ones.
Agencies and professional services
Project billing, scope questions and approval delays stall payment. We follow up and clear the queries so finished work turns into cash.
Prices scale with the size of your ledger. Billed monthly, cancel with notice.
A simple first step
Start with a free AR health check.
Before you commit to anything, we look at your overdue invoices and show you where your cash is being held up, and what we would do about it. Genuinely useful, and no obligation.
No. We work as part of your team and communicate in your name, using the wording and tone you approve. To your customers it reads as your own finance function following up. The relationship stays yours.
Are you a debt collection agency?
No. We manage your open invoices as your agent, following up professionally before anything becomes a formal dispute. We do not buy debt and we do not use aggressive collection tactics. If an account ever genuinely needs legal action, we hand it back to you with a clear history.
Do you work with our accounting software?
Yes. We work alongside the systems you already use, including Xero, QuickBooks and Sage, through authorised access you grant from your own account, or regular exports. You do not need to change how you raise invoices.
Will I still see what is happening?
Yes, more clearly than before. Regular reporting shows what is outstanding, what is overdue, who has promised to pay, what we did on each account and anything that needs your input.
Who decides when an account is escalated?
You set the rules during onboarding, including tone, timing and when something should come back to you. Anything sensitive or unusual is flagged for your decision rather than actioned automatically.
What happens when a customer disputes an invoice?
We identify the query early, log it and follow up so it gets resolved instead of quietly delaying payment. Anything that needs your input is brought to you clearly, with the context attached.
How is our financial data handled?
Access is controlled and role based, data is handled with GDPR-aware processes, and we work under a clear agreement that sets out how your information is used and protected.
How quickly can we start?
Once we have reviewed your ledger, agreed your rules and set up access to your accounting information, we begin working your overdue invoices. We agree the start date with you.
Hand the chasing to us, and get your week back.
See exactly what is stuck in your ledger, and what would get it moving. It starts with one short, free conversation.
