About Credit Management Group
Your Credit Management Partner for Growth, Cash Flow, and Risk Control
Who We Are
With over 35 years’ experience in credit management, our team helps businesses across all sectors. Specialising in Construction and Recruitment, helping to strengthen cash flow, reduce risk, and protect margin.
We’ve worked at corporate Credit Manager level within SME, national, and global organisations before founding our consultancy. Our mission is simple: deliver corporate level credit management expertise at a commercially viable cost.
Many companies outsource their collections to us to benefit from proven processes, commercial expertise, and results driven recovery.
What we do
- Construction
We help contractors, subcontractors, and suppliers improve applications for payment, comply with the Construction Act and CIS, and manage adjudications and disputes to protect profitability. - Recruitment
We support agencies managing contractual terms, timesheet disputes, funding pressures, and margin protection. We have successfully recovered revenue from back door hires, enforcing contracts and securing lost placement fees while protecting relationships. - Order-to-Cash & Credit Processes
We transform underperforming Order to Cash functions into structured, accountable processes that improve collections and reduce bad debt. - Training, Consultancy & Support
We coach finance, sales, and operational teams, deliver training in commercial law, contract awareness, and negotiation skills, and provide ongoing consultancy to embed credit management best practice.

Our Approach
We combine practical experience, commercial insight, and a people-first approach. Credit management shouldn’t block growth, it should support it. By focusing on both systems and people, we help businesses:
- Recover revenue and improve cash flow
- Reduce aged debt and bad debt risk
- Implement efficient, compliant processes
- Equip teams to prevent disputes before they arise
- Protect margins and strengthen commercial relationships
Why Work With Us?
- Proven expertise across Construction, Recruitment, and multi sector businesses
- Hands-on support with outsourced collections, consultancy, training, and O2C transformation
- Practical, results driven approach that delivers measurable impact
- Straight talking, approachable team who get results without damaging relationships
Let’s discuss how we can help you strengthen cash flow, reduce risk, and protect your margins 03332 413 203.
Credit Management Group UK (Merseyside) Ltd
Company Reg No: 4950171
Registered office: 1 Abbots Quay, Monks Ferry, Birkenhead, CH41 5LH
VAT Number: 921 904 241
Jenny Esau is a Fellow of the Institute of Credit Management Registration Number: 5005548
Dawn Sandilands is registered with the Chartered Institute of Credit Management Registration Number: 6017102
Stephen Jones is registered with the Chartered Institute of Credit Management Registration Number: 6015854
Registered under the Data Protection Act. Registration Number: Z9053428