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Our Services
- 01.
Working Capital Diagnostic
A 4–6 week deep assessment of your debtor book. We analyse DSO by customer, sector and risk grade, uncover terms-versus-behaviour mismatches, identify dispute root causes and assess credit-limit governance. Deliverables include a board-level report, 90-day cash release plan and customer risk heat map.
- 02.
Credit Policy & Governance Build
Builds a complete credit-risk framework for scale-ups, PE-backed businesses and SMEs — covering risk appetite, onboarding controls, credit limits, escalation rules, bad-debt triggers and delegated authority. The result is a disciplined governance structure that protects cashflow and supports growth.
- 03.
DSO Reduction & Cash Recovery
Targeted interventions to reduce debtor days and stabilise cashflow without taking over collections. Includes benchmarking, customer behavioural analysis, term optimisation, risk-band tactics and KPI dashboard frameworks to give leaders clearer visibility of cash performance.
- 04.
Bad Debt & Provisioning Framework
Builds audit-ready provisioning frameworks that accurately reflect recoverability and protect earnings. We implement objective impairment methodologies, probability-weighted loss models and recovery curve analysis — delivering clarity for boards, auditors and lenders.
- 05.
Pre-Refinance / Pre-Transaction Support
Strengthens your credit and working-capital position ahead of refinancing, invoice-finance onboarding or a business sale. We clean and validate the ledger, normalise DSO and evidence credit controls to improve deal readiness and secure stronger commercial outcomes.
- 06.
AI & Automation Advisory
We come into your business to identify manual, repetitive credit processes — the spreadsheets, the email chains, the reviews that live in one person's head — and rebuild them around AI. Practical, hands-on implementation, not vendor-neutral advice from the sidelines. Judgement stays human; the manual work doesn't have to.
- 07.
Credit Risk & Compliance Review
An independent review of your credit risk exposure and compliance framework. We assess customer concentration risk, identify policy gaps, review regulatory obligations and stress-test your controls against current market conditions — giving boards and lenders confidence that risk is being managed effectively.
- 08.
Board-Level Credit Advisor
Senior board-level credit oversight without the full-time cost. Working 1–2 days per month, Bluebone supports leadership on credit risk, cash forecasting, ledger quality and governance — keeping working-capital risk tightly controlled at a fraction of the cost of a full-time hire.