Direct debit vs cards: which is better for recurring revenue

For UK B2B recurring revenue, direct debit (via GoCardless, BryxoPay, or bank-native rails) is almost always cheaper and has lower involuntary churn than card payments. For B2C and one-off sales, cards win on conversion and instant capture.

Cash flow management: the owner's guide

Cash flow management for a UK SME is the discipline of knowing what money is coming in and going out for the next 13 weeks, identifying the lowest week, and acting before it becomes a crisis. The core tool is a rolling 13-week forecast updated weekly.

Invoice management: reducing debtor days

Debtor days (Days Sales Outstanding) is the average number of days between raising an invoice and receiving payment. UK B2B SME benchmarks sit around 45-55 days. Bringing this down to 30-35 days is one of the highest-leverage cash flow improvements available — and it requires invoicing process discipline, not new tools.