Leaders in providing debtor risk management and collections for Invoice Finance and Asset Realisation

Debt Valuation, Due Diligence and Recovery Specialists - SJB Consultants Ltd

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Debt Valuation, Due Diligence & Recovery Specialists

  • Debt Valuation, Due Diligence and Debt Recovery Specialists
  • Debt Valuation, Due Diligence and Asset Recovery Specialists
  • Providing risk management and debtor recovery to the invoice finance industry

Due Diligence

Risk Management

Debt Recovery

Debt Verification

Asset Recovery

Credit Control

Our services are tailored to your specific needs

Services

Click on tab to find out how we can help you in these areas

  • Due Diligence
  • Risk Management
  • Debt Verification
  • Asset Recovery
  • Credit Control

Due Diligence

SJB undertake a thorough review of the collateral to enable you to make considered pre lend decisions; our surveys include an in-depth executive summary supported by the working numbers detailing the security and risks  associated with the industry and the debt in both a going concern and a failed position.  Statistical analysis covers how quickly the debt turns, any erosions including hidden dilutions and industry specific issues. Validation of the processes and paperwork to support the debt or otherwise enabling you to make confident decisions.  Depending on the brief you provide we will also cover financial and cash flow analysis if required and review the suppliers, tax, bank and current facility providers.  

SJB have extensive industry sector knowledge, from the traditional steel / timber / printing / haulage/ staff agencies to the more challenging construction/ computing/ cleaning / maintenance and rail associated areas/ freight forwarding / logistics and back to back facilities. The knowledge of our people enables us to provide you with balanced risk assessment and proposed structure of these more complex opportunities assessing both the risks and the rewards for your business.   

Whatever facility size you are considering we have the right people for the job with all reporting reviewed personally by the directors

Risk Management

Either scheduled client audits or risk reviews or just when you want a second opinion we have a national team, who can react quickly. Our central booking system allows you to make one call and we will do the rest if you want. We will maintain communication with you or the client managers to ensure the specific concerns are covered as well as the standard profiling of the debt. SJB value the debt and the risks and can also cover stock and P&M assessment on site.  We are happy to use your own systems and templates  or indeed our own if you prefer – again we will use our industry knowledge to detail the risks and rewards to your business in a balanced professional way, detailing full recommendations for managing the facility.

Debt Verification

While paperwork can be used to confirm the debts you have purchased, at the end of the day nothing beats talking to the people and companies who are going to pay the bill! By doing this in a professional and friendly way we can quickly assess if the debt is collectable, but also the nuances and identify if there are rebates, two way trading, disputes, direct receipts and a multitude of other issues surrounding the debt that dilutes the value you can collect. This gives you the confidence to continue funding or have an open and frank discussion with your customer  

Debt verification can be undertaken from our offices with separate lines for each company as per your agreement with your clients and in whatever name you choose. Our communication in this area is excellent and it is a cost effective way for you to undertake this key activity as you only pay when you need the debt verification, our charges are both transparent and equitable to you. SJB also undertake debt verification from your premises, using your systems if that is preferred.

Asset Recovery

In the unfortunate situation where your clients fail, it is important for you to react quickly and identify if you are able to get your money back; it is important for your customer to know that all of the appropriate action is being taken to help them through this difficult period. SJB will visit your client and discuss the best way forward for them, at this stage our team will also secure the records for you ensuring that all the paperwork and systems are available to facilitate the collections.  A full recovery plan is agreed with you and your clients, but key issues like disclosure of your involvement, the assignment and where payments must be sent are handled by the SJB collections team.

SJB will provide you with an initial view following disclosure and verification if your position is likely to be recoverable or if a provision is required, we will report monthly thereafter – of course we are always happy to discuss any issues with you at any time. Once your funding has been recovered we will continue to liaise with  any Administrator or Insolvency Practitioner to either continue recovery or transfer the records to them.

We have a flexible team and our results are excellent – try us, you won’t be disappointed!

Credit Control

 SJB have an experienced credit control team who can assist on a temporary or long term basis where you or your clients are concerned about debt collection … for whatever reason. Generally we would visit the client first and agree with them the “why & the how”. It is important that we can access their ledger to have live information and so far we have achieved this in all cases.

By implementing ongoing collection techniques and being professional in all communication and follow ups we have had outstanding results for our clients, enabling them to manage and support their customers cash flow.

 


Our national team ensures that we can meet your changing needs promptly and cost effectively.