Business debt recovery services for SMEs

• Cash flow challenge: Clients aren’t paying on time, and chasing them is taking up too much of my team’s energy. I need a reliable way to recover debt and protect cash flow without damaging relationships.

• Perfect for: SMEs struggling with late B2B payments who need structured, professional recovery support.

Novuna helps SMEs recover overdue invoices through our in-house solutions and trusted UK partners. Whether you need early intervention or formal recovery, we help you choose the right path to reclaim what’s owed and protect your business.

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What are business debt recovery services?

Debt recovery services are professional solutions that help businesses reclaim unpaid invoices. They cover every stage of the process, including:

• Making reminder calls and sending follow-up letters

• Issuing formal demands for payment

• Negotiation of repayment plans

• Taking legal action if required

For SMEs, outsourcing this process often saves time, reduces stress, and increases the chances of getting paid faster.

Why SMEs use debt recovery services

Free up internal resources

Chasing overdue payments pulls your team away from productive work. Debt recovery services take this burden off your plate.

Improve success rates

Experienced professionals know how to apply pressure at the right level while keeping within the law.

Protect relationships

Third-party services can maintain a neutral, professional tone, making it easier to continue working with clients after debts are settled.

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When should you consider debt recovery?

• If invoices remain unpaid after reminders and clear deadlines

• When late payments are affecting your ability to pay staff or suppliers

• If you need a faster, more structured approach than chasing internally

Many SMEs also combine recovery services with short-term funding, ensuring cash flow isn’t disrupted while the debt is being pursued.

How Novuna Business Cash Flow supports SMEs

• Guidance on whether credit control or recovery is right for your situation

• Access to professional recovery services that act quickly and fairly

• Flexible funding options like invoice finance to cover gaps while recovery takes place

With Novuna, you won’t face late payments alone - we help protect your business and strengthen your financial position.