Pecunia 2016 Limited
Brief overview of what we do
Pecunia 2016 Limited is a specialist credit management consultancy focused on strengthening the financial stability, governance and growth capability of businesses.
We work with SMEs and growing organisations to design, implement and improve structured credit management frameworks that protect cash flow, reduce risk and support sustainable commercial success.
Our core purpose
We help businesses get paid properly, on time and with reduced risk.
However, our work goes beyond debt recovery. We focus on building disciplined credit governance systems that prevent problems before they arise and create a stable foundation for growth.
What we deliver
Credit Management Audits
We conduct detailed reviews of a business’s current credit processes, including:
Credit policies and terms
Customer onboarding and risk assessment
Aged debt analysis and performance metrics
Collection procedures and escalation processes
Legal compliance and documentation
Working capital management
Our audits identify financial leakage, operational weaknesses and governance gaps, providing clear recommendations to improve resilience and reduce exposure.
Credit policy and process design
We develop tailored credit management frameworks that include:
- Written credit policies
- Risk appetite definitions
- Delegated authority structures
- Credit scoring and underwriting processes
- Escalation and recovery procedures
- Legal compliance structures
- KPI dashboards and reporting frameworks
This ensures consistent, fair and commercially sound decision-making.
Credit control and risk management training
We deliver practical, commercially focused training for:
- Finance teams
- Sales teams
Business owners and directors
Our training covers:
- Risk assessment techniques
- Negotiation and collection skills
- Legal awareness
- Dispute resolution
- Customer communication
- Governance responsibilities
We ensure teams understand both the technical and behavioural aspects of effective credit management.
Working capital and cash flow improvement
We support businesses to:
- Reduce debtor days
- Improve liquidity
- Minimise bad debt
- Strengthen cash forecasting
- Identify concentration risk
This enables businesses to grow confidently without increasing financial vulnerability.
Debt recovery support
Where required, we assist in structured recovery processes, ensuring:
- Professional communication
- Proportionate escalation
- Legal compliance
- Commercial judgement
Our approach prioritises recovery while preserving valuable commercial relationships wherever possible.
Our approach
Pecunia combines governance, risk management and practical operational discipline.
We believe that effective credit management:
- Protects jobs
- Strengthens supply chains
- Reduces insolvency risk
- Improves profitability
- Supports sustainable economic growth
Our work aligns financial discipline with responsible commercial practice.
The outcome for our clients
Clients working with Pecunia typically achieve:
- Improved cash flow
- Reduced overdue debt
- Clear internal accountability
- Stronger legal position
- Reduced financial stress
- Increased confidence to grow
In Summary
Pecunia 2016 Limited strengthens businesses by transforming credit management from a reactive function into a structured, strategic discipline.
We do not simply chase debt; we build systems that prevent it and look after your most valuable asset in your business.
