Thursday, 13 March 2014

Avoid becoming an unsecured creditor


From a supplier’s perspective the most important part of any transaction is to ensure prompt and satisfactory receipt of funds for goods or services provided.

When a company oversteps the mark by abusing agreed payment terms they are in fact using the seller’s tolerance as means of providing an unsecured overdraft.

Put simply would you exchange a promise from your buyer for prompt settlement conditional on your company providing the upfront funds enabling them to do so?

In reality by continuing to supply a persistent late paying account this is exactly what is happening.

It is a question of commercial judgment.

In these present trading conditions business is hard won but if the transaction carries a disproportionate risk then it isn’t worthwhile.

The time and effort spent chasing a recalcitrant account could be better spent elsewhere.

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