Unpaid Invoices & Late Payments: Your Business’s Silent Killer? 

Don’t let the UK’s debt crisis cripple your business. Discover strategic solutions to protect your assets and secure your financial future.

London’s Debt Crisis: A Staggering £4.9 Billion Burden for SMEs

London, the UK’s economic powerhouse, is also its debt capital. Small and Medium-sized Enterprises (SMEs) across London are collectively shouldering a monumental £4.9 billion in liabilities. From bustling retail shops to vital construction projects and consultancy firms, business owners across every sector are grappling with unprecedented financial pressures.

• £2.5 billion: Annual cost of late payments to London’s economy.
• £6,000+: Average overdue invoice amount for London businesses.
• £2.7 billion: Debt burden on the retail and wholesale sectors alone, driven by rising costs and shifting consumer habits.

This isn’t just about company solvency; it’s about the deep personal impact on directors. For many, the true sleepless nights are caused by personal liabilities such as:

• Personal Guarantees Exposure (PGs): Threatening personal homes and savings.
• Overdrawn Director’s Loan Accounts (ODLAs): Creating significant personal tax and repayment obligations.
• Outstanding HMRC Obligations: VAT, Corporation Tax, and PAYE arrears that can lead to severe penalties and business collapse.

Don’t let these personal liabilities threaten your future. Skip straight to your solution today.

Real-World Solutions: Case Studies in Debt Resolution

Our expertise isn’t theoretical; it’s built on a foundation of tangible results. Here’s how Bell & Company have recently empowered business directors to overcome significant financial challenges:

1. Construction Director: Facing a daunting £380,000 across three Personal Guarantees (PGs). We negotiated a 64% reduction, removing £243,200 in liability and safeguarding crucial personal assets.

2. Retail Owner: Struggling with an Overdrawn Director’s Loan Account (ODLA) of £117,000. Through strategic negotiation with the Liquidator, we settled the liability for under 40%.

3. Sole Director: Owed £92,000 to HMRC in VAT and Corporation Tax arrears. We secured a 32-month Time-to-Pay Arrangement, providing vital breathing space and preventing business collapse.

These aren’t isolated incidents. These outcomes are the direct result of our specialist strategy, expert creditor negotiation, and decades of accumulated experience in business and personal debt resolution.

Your Partner in Debt Resolution: What Sets Us Apart

In a landscape of complex financial solutions, it’s crucial to understand who you’re working with.

We are NOT a funding platform. We don’t provide loans or credit.

We are NOT collectors. We won’t chase your debtors.

What we ARE, is specialists in resolving complex business and personal debt. Our focus is on strategic solutions, negotiation, and asset protection.

If your business is reeling from the impact of late payments, mounting liabilities, or aggressive creditor action, understand this: you are not alone, and effective solutions exist.

Essential Tips for Directors Facing Debt

Tip 1: Understand Your Personal Exposure. Many directors underestimate the extent of their personal liability, especially concerning signed Personal Guarantees (PGs), Overdrawn Director’s Loan Accounts (ODLAs), or jointly owned assets. A proactive, simple review can prevent severe, long-term financial damage.

Tip 2: Act Before Legal Action Escalates. Once creditors initiate statutory demands, County Court Judgments (CCJs), or winding-up petitions, your options become significantly limited. Engaging with specialists early gives you a strategic advantage and preserves a wider range of solutions.

Tip 3: Never Negotiate Alone. Whether dealing with a Liquidator, HMRC, or other aggressive creditors, our team possesses the proven expertise to structure settlements that work. We have a robust track record of successful negotiations that protect our clients’ interests.

We partner with clients across the entire UK and Ireland, delivering tailored strategies designed to:

• Reduce overall liability.
• Safeguard valuable personal and business assets.
• Ultimately, provide business owners with a clean slate to move forward confidently.

Don’t Let a Bad Situation Become Irreversible.

• Download our free Construction Debt Guide: Directors’ Handbook
• Chat live with a specialist to discuss your case in real time
• Book a free consultation with one of our experts today

We’re here to help—whenever you need us.

Take Control: Don’t Let a Bad Situation Become Irreversible

Take the First Step Towards a Solution:

• 📞 Book a confidential case review today: [Book a Free Case Review]
• 📚 [Explore Our Debt Advice Hub]: Discover how we have helped others in your situation
• ⭐[Read Our Trustpilot Reviews]: See what our clients say about our services on Trustpilot.

Bell & Company – Expert Financial solutions for those under pressure.

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