The Octempo:RM Blog

International debt collection service for SMEs...Octempo fills the gap

Thursday, 14 January 2010 13:01 by Julian

Over the course of the last few months we have been carefully expanding our international collections service to enable us to provide SMEs with a viable alternative to faceless credit insurance giants. We have built up a team of largely foreign nationals to help exporters collect debts from companies overseas, and have expanded the service to cover all aspects of the order to cash cycle.

 

Our commercial experience of business cultures around the world gives also us a key advantage over many debt collecting insurance companies. Previously SMEs would have had to rely on huge multinationals like Euler Hermes, Atradius and Coface – a one size fits all service generating large bills in the process. This service doesn't meet the needs of the SME market where often debt values are smaller. 

 

As more SMEs look to export, they have to deal with language barriers and more importantly misunderstandings about business cultures in other countries. This means they can have problems and delays, not just with getting paid on time, but through the whole order to cash cycle.

 

Most collection agencies don’t have the capability to handle international collections, which in the past left global credit insurance companies as the only alternative.

 

We have also linked up with a network of international legal firms, meaning clients don’t have to source help themselves. And unlike many lawyers in the cash flow management field, they operate on a ‘no win, no fee’ basis for international debt recovery work. 

 

No win no fee international legal assistance is long overdue in our field - it makes commercial sense for SMEs and also ensures clients will not fall foul of specific countries’ laws on debt collection.

 

Beware the dead cat bounce - free tips to avoid bad debts

Monday, 4 January 2010 13:32 by Julian

One of the great aspects of the Christmas break is it allows time to spend with family, to switch off from the pressures of day to day business and reflect on the passing year. Most of us will look to the New Year with optimism and a sense of hope and, in the run up to a general election, our politicians currently holding power will encourage this feel good mood. There will be many upbeat phrases deployed over the coming weeks - 'emerging from recession'; 'the worst is over'; 'economy starts to pick up' - but a cautious optimism is by far the safer route.   

A word of caution though. Whilst we may well be seeing the start of the end of the recession no business should neglect cash flow or credit control. The dead cat bounce - when a cat falls from a tall building, dies on impact with the ground but bounces up and gives the appearance of still being alive - is the perfect analogy of those commentators predicting the start of economic recovery. 

We still have a huge deficit to deal with and, like it or not, it will need to get repaid. This will mean increased taxes and cuts in public spending. Insolvency body R3 has warned that the next few months could be the most dangerous time for businesses. Matt Dunham, North West regional chairman of R3 and a partner at Grant Thornton, said: “Once the recession ends, there is a delay before businesses start to feel a sense of relief.” R3 estimates the number of corporate insolvencies will reach 26,675 in 2010, with March being the worst month.

However, there are actions all businesses can take to protect themselves from defaulting debtors:

1) Credit policy and trading terms - establish, communicate and enforce

2) Credit checking - new customers. Existing critical customers. Make sure you understand the information you receive

3) Pro-active credit control - regular scheduled contact early in the cycle after invoice issue. Allocate specific resources and incentivise against cash collection targets. Keep close to your customer

4) Invoice queries - deal with them quickly and professionally and analyse what causes them. Go and fix the cause rather than always dealing with the effect 

5) Good housekeeping - make sure your data is always up to date - contact details, payments received and correspondence

6) Always do what you say - threatening to escalate a debt and then doing nothing wastes your time, makes you look a chump and worsens the likelihood of forcing a debtor to pay  

 

The 'Lucky Seven' tips when collecting payments from overseas companies

Friday, 18 December 2009 11:43 by Julian

More and more businesses are looking to grow by building links and trading with companies in other countries.

While this is a bold, and intelligent, step, it can lead to some pitfalls. Not only do you have all the same problems as you would growing a business in the UK – primarily finding customers and getting paid – but you will also have to contend with countries where English is not the first language.

While the language barrier can be overcome directly, perhaps by employing someone who is fluent in that tongue, there are other things to consider – especially when managing your credit control and collecting payments.

A knowledge of the country’s business culture is vital, and probably more important than speaking the lingo. We have dealt with lots of companies who have struggled to win contracts, and then get paid, purely because of their ignorance of the country they are dealing with.

Whilst Government organisations like UK Trade and Investment do a great job of helping businesses develop trading links in Europe and further afield, businesses still have to address the issue of how then to deliver that business, at an operational level, to ensure those international business cultures are identified and sympathetically managed.

Recognising this need, and in the spirit of giving in the run up to Christmas, we have put together our 'Lucky Seven' tips on collecting payments from foreign companies:

1. Speak to the right person: in some countries, businesses are organised in a very hierarchical manner, so decision-making powers lie in the hands of very few people.

This is particularly true in Greece, where senior managers make the decisions and you’ll be wasting your time speaking to anyone without real authority.

2. Make sure you have a clear agreement: in China it is very difficult to say ‘no’ directly, therefore be circumspect about anything other than a direct ‘yes’.

Similarly in South Africa, make doubly sure of every aspect of the business arrangement before starting to trade – especially with recently privatised companies – because high levels of bureaucracy are common.

3. Humour: Use wisely. In Germany, humour is generally considered to be out of place in business, so avoid it in all difficult or important business situations.

4. Small talk: many countries, including The Netherlands and Germany, prefer you to get straight to the point in your business dealings with them.

Alternatively, in countries like Spain, Brazil and Hong Kong, your rapport with them is the most important part. You need to spend much more time developing a friendly relationship with Brazilian companies to get ahead. Similarly, in Hong Kong, you should display an interest in family, general health, and even your impressions of the country to make a success of your trade links.

5. Get straight to the point: Subtlety, diplomacy and coded speech can all lead to problems, so don’t beat around the bush.

6. Follow up your initial communication: some countries place more importance on the written word than the spoken word, and vice versa.

In Spain for instance, it’s important to follow-up an email with a phone call, but in Germany you must do the opposite and put your phone conversations into writing.

7. Free online translation websites - don't use them for business! They are free for a reason. In many countries, including France and Germany, the written word is more important than the spoken. Get your message wrong in your initial communication and you could have problems.

Always check and double-check before sending correspondence, particularly to French companies. In France perhaps even more than in other countries, the ability to produce correct written language is seen as a sign of intelligence and good education. Written business French is also extremely formal and full of protocol - you have been warned.

Octempo:RM specialise in supporting SME businesses that trade internationally. We have over 20 years experience in international trade and currently help clients exporting to over 30 different countries.

 

Octempo:RM is brought to life

Monday, 9 November 2009 17:03 by Julian

 

In today’s market place having a unique identity is more important than ever. Our services and solutions are unique, but our old name wasn’t. That’s why we’ve taken the decision to rebrand ourselves as Octempo:RM. Email addresses follow the same format but now end in @Octempo.com, the web address is www.Octempo.com and all other contact details remain the same. 

 

If you have any questions please contact me via the blog or through http://www.octempo.com/About.aspx .

SME Connect arrives in Warrington

Wednesday, 23 September 2009 16:25 by Julian

After the success in Manchester we have taken SME Connect on the road to Warrington. I would like to extend a personal invitation for all readers of my blog to attend an SME Connect business seminar on Wednesday 7th October, 2009 at Warrington Business School, Winwick Road, Warrington at 2.00pm. The current recession, whether ‘V’ or ‘W’ shaped, will come to an end. The seminar theme is around coming out of recession, preparing for growth and managing the associated risks. 

  

The seminar, sponsored by RBS and Forshaws Davies Ridgeway LLP, will be presented by North West based experts from a number of key business areas, giving practical tips and guidance on the following topics:

  

Banks like lending money

Stuart Finnerty, Commercial Manager at Royal Bank of Scotland Group

www.rbs.co.uk

  

The secret to using marketing to help generate ACTION!

Stephen Nurdin, Head of Marketing at Kinesis

www.kinesismarketing.co.uk

 

 Recruitment risk and managing performance

Paul Halliwell, Commercial Manager at the Urquhart Partnership

www.upwebsite.com

  

Employment policy compliance and process

Sarah Evans, Senior Commercial Litigator at Forshaws Davies Ridgway LLP

www.fdrlaw.co.uk

  

Closing the sale

Brian Ashley, Director and Founder at Achieve Sales

www.achievesales.net

  

Turning effort and activity into cash

Julian Llewellyn, Managing Director and Co-Founder of Octempo:RM

www.Octempo.com

 

The usual cost is £75 per delegate. Attendees are restricted to Directors/Owners of SMEs employing a minimum of 5 people and an annual turnover of £1m+ (or looking at rapid growth), to ensure attendees get the most benefit from the event.  Space is limited and places will be allocated on a first come first served basis. Your place can be reserved by registering online at www.sme-connect.co.uk, picking the 7th October event and entering the special booking code WBSO 12.

 

If you are unable to attend the 7th October event we are also hosting two further seminars, on 24th November (booking code WBSN 17) and 10th February (WBSF 23). Venue and timings remain the same.

  

Complimentary refreshments will be served. Please arrive at 2.00pm for a 2.30pm prompt start. The event will finish with informal networking and a scheduled close of 6.00pm. I hope you will be able to make it.

 

Best regards,

 

Julian