· Reviewed by Nimra Khalid
What is credit control outsourcing?
Credit control outsourcing means a remote credit controller manages the credit you extend to customers and the money owed: vetting new accounts, setting credit limits and terms, sending statements, chasing overdue invoices and reporting debtor days. The term is common in the UK and Australia, where the function sits with the finance team rather than a separate AR department.
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Credit control: what we do and how it runs
Credit control outsourcing means a remote credit controller manages the credit you extend to customers and the money owed: vetting new accounts, setting credit limits and terms, sending statements, chasing overdue invoices and reporting debtor days. The term is common in the UK and Australia, where the function sits with the finance team rather than a separate AR department.
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What it is
Credit control outsourcing means a remote credit controller manages the credit you extend to customers and the money owed: vetting new accounts, setting credit limits and terms, sending statements, chasing overdue invoices and reporting debtor days. The term is common in the UK and Australia, where the function sits with the finance team rather than a separate AR department.
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What you get
Credit checks and limits before terms are offered to a new customer
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How it runs
Statement runs and debtor chasing in your name, in your software
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Discovery call
A 20-minute call to review your customer base, terms, current debtor days, existing credit policy and which accounts are sensitive. We agree the tone of chasing and who approves holds.
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A named accountant, a backup and a team lead
Inside your own software, on a fixed close calendar, with a reply from a person within 1 business day. Call +1-657-777-0006 or start a quote.
Get a custom quote 06 / 06
Who it is for
UK and Australian trade businesses
Builders, wholesalers, recruiters and manufacturers offer 30-day accounts and get paid in 60 or more. You want a credit controller who opens accounts carefully and chases consistently.
Owner-managers
You are the credit controller, the sales team and the one who has to make the awkward call. You want that call made professionally and the debtor days number to move.
Finance managers
Your bookkeeper posts receipts but nobody owns credit limits, statements or the aged-debtor review. You want a monthly report you can take to the owner or the bank.
What's included
- Credit checks on new customers through Creditsafe or your chosen bureau
- Credit application forms, trade references and director checks
- Credit limits and payment terms set to your policy and reviewed yearly
- Monthly statement runs by email or post from your software
- Debtor chasing by email, phone and letter in your name
- Retention and application-for-payment tracking for construction accounts
- Credit holds recommended when limits or terms are breached
- Dispute log with reason codes routed to your decision-maker
- Receipts allocated and remittances matched weekly
- Late-payment interest and compensation calculations where you choose to apply them
- Monthly debtor days, aged-debtor and credit-exposure report
- Debtor ledger reconciled to the general ledger every month
Deliverables and KPIs
| Deliverable | KPI we report | Cadence |
|---|---|---|
| Credit checks completed | Every new account checked and limit set before first invoice | Per invoice |
| Statement run | Every open account receives a statement on the agreed day each month | Monthly |
| Debtors chased | Every overdue invoice actioned within 5 business days of falling due | Weekly |
| Receipts allocated | Unallocated receipts below 1% of the month's takings | Weekly |
| Debtor days report | Debtor days, over-90 balance and top exposures with month-on-month movement | Monthly |
| Ledger reconciliation | Debtor ledger ties to the general ledger with zero unexplained variance | Monthly |
KPIs are what we measure and report, agreed per engagement. Service-level commitments are set in your agreement.
How it works
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Discovery call
A 20-minute call to review your customer base, terms, current debtor days, existing credit policy and which accounts are sensitive. We agree the tone of chasing and who approves holds.
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Policy, access and ledger review
We draft or tidy your credit policy and chasing letters, and you grant access to Xero, QuickBooks Online or MYOB, your bureau account and a branded mailbox. A first aged-debtor analysis follows within 48 to 72 hours.
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Dedicated credit controller assigned
A named credit controller, a backup and a team lead take over new-account vetting, the statement run and the chasing cycle. The first month runs with your sign-off on every hold and dispute.
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Monthly cycle and report
Statements go out, debtors are chased weekly, receipts are allocated and the ledger is reconciled. Each month you receive the debtor days report under our Two-Tier Review, with recommended holds and limit changes.
Software we work in
How much does credit control cost?
Credit control is priced as a share of a dedicated credit controller's time, sized by the number of active accounts, invoices per month and how much chasing is by phone. Bureau fees for credit checks are billed at cost or run through your own account. There is no setup fee and engagements run month-to-month. Pricing depends on volume and scope, so we send a custom quote within 1 business day.
What moves the quote
- Number of active credit accounts and new accounts opened each month
- Invoices per month and the share that go overdue
- Chasing channels: email and letter only, or phone as well
- Whether receipt allocation and ledger reconciliation are included
Market benchmarks
| Market | Typical range | Source |
|---|---|---|
| UK | Bookkeeping and credit control support £20 to £55 per hour; fixed fees £100 to £1,500 per month; in-house £24.7k to £32.1k salary plus 15% employer NI | UK provider pricing surveys (2026) |
| Australia | Bookkeeping and AR support A$40 to A$100 per hour; fixed fees A$300 to A$1,500 per month | Australian bookkeeping fee surveys (2026) |
| US | Dedicated offshore AR staff $8 to $35 per hour all-inclusive; US-based $40 to $75 per hour | Madras, Acculink, Rose Talent (2026) |
Third-party ranges for orientation, not our prices.
Get a custom quote No setup fee. Month-to-month.
Credit control for your industry
Security and compliance
- UK GDPR data-processing agreement and Australian Privacy Act addendum available
- MFA on every login, least-privilege access and a per-client access log
- Chasing calls follow PECR and Ofcom rules in the UK and ACMA rules in Australia
Full control list on the security page and country rules on the compliance page. Certifications are listed only when held.
Frequently asked questions
How much does credit control outsourcing cost?
Pricing depends on volume and scope, and we send a custom quote within 1 business day. As a market reference, UK bookkeeping and credit control support runs £20 to £55 per hour, with fixed fees of £100 to £1,500 per month, and an in-house hire costs £24.7k to £32.1k plus 15% employer NI (UK provider pricing surveys, 2026). Australian equivalents run A$40 to A$100 per hour.
What are debtor days and how do you reduce them?
Debtor days measure how long, on average, customers take to pay you. We reduce them by opening accounts carefully, invoicing correctly the first time, sending statements on a fixed day, chasing every overdue invoice within five business days and resolving disputes quickly. The monthly report shows the number and what moved it.
Do you run credit checks on new customers?
Yes. New accounts are checked through Creditsafe or the bureau you already use, with the report, trade references and director details kept on file. We recommend a limit and terms under your policy, and you approve. Existing accounts are re-checked yearly or when a payment pattern changes.
Which software do you work in for UK and Australian clients?
Xero is the most common, followed by QuickBooks Online, MYOB, Sage 50 and FreeAgent. Chaser adds automated statement and reminder sequences if you use it. We work inside your file and your bureau account, so nothing moves to a system of ours and your accountant sees the same ledger.
Can you chase debtors by phone as well as email?
Yes. Chasing starts with statements and emails and moves to phone calls in your name from the point you choose. Calls follow PECR and Ofcom rules in the UK and ACMA rules in Australia, in local business hours. Every call is logged with the outcome and any promise to pay.
Can you claim late-payment interest on overdue invoices?
We can calculate it and add it to the chasing letters where your policy says so, using the statutory rules in your country. Whether to apply it is a commercial decision for you, and we do not give legal advice. Many clients use the calculation as a negotiating point rather than a charge.
What happens when a customer will not pay?
The account goes through the full chasing cycle, then a recommended credit hold and a final letter. If it is still unpaid, we hand you the complete file: invoices, proof of delivery, statements, contact log and promises made, so you and your adviser can decide on the next step. We do not refer accounts to third parties.
Do you cover US and Canadian customers too?
Yes. The same credit controller can chase North American accounts using TCPA and FDCPA-aware scripts in the US and CRTC rules in Canada. US clients usually search for this service as accounts receivable management, which is the same desk under a different name.
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