Handling Pressure to Provide Credit with Jonathan Ward-National Timber Group,Simon Howell-Tarmac and Luke Sculthorpe-CICM
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In this episode of Minimise Debt, Maximise Cash, Top Service CEO Emma Riley takes us back to the "At the Coalface" seminar for a critical discussion on the internal and external pressures facing credit teams in the construction industry today.
Moderated by Philip King, this panel features candid insights from Jonathan Ward (National Timber Group), Simon Howell (Tarmac), and Luke Sculthorpe (CICM) on how to navigate the delicate balance between enabling sales and protecting cash flow.
Key Topics Covered:
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The "Yes" Mentality: Jonathan Ward explains why the goal is always to find a way to say "yes" to credit, but why transparency with sales teams regarding the logic behind a refusal is crucial for reducing internal friction.
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Combatting Spurious Disputes: Simon Howell highlights a worrying increase in "spurious disputes"—last-minute complaints about material quality or price used purely as a tactic to delay payment. Learn why speed and accuracy are your best defense.
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Early Intervention in Contracts: Luke Sculthorpe discusses why credit teams must be involved at the start of the tender process, not the end, to avoid locked-in liability caps and poor payment terms.
Whether you are battling internal pressure to approve risky accounts or fighting off delayed payments disguised as disputes, this episode provides actionable strategies to maintain control.
Featured Guests:
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Philip King (Moderator)
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Jonathan Ward (National Timber Group)
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Simon Howell (Tarmac)
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Luke Sculthorpe (CICM)
Keywords: Credit Risk Management, Construction Finance, Debt Recovery, Spurious Disputes, CICM, Sales vs Credit, Cash Flow Forecasting, Tarmac, National Timber Group.
Subscribe to Minimise Debt, Maximise Cash for your monthly construction credit update.
To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/
Music by Purple Planet
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