Minimise Debt, Maximise Cash with Top Service

In this episode of  Minimise Debt, Maximise Cash  with  Top Service , we bring you the latest insights from the world of  construction credit management . From event highlights to pressing industry challenges, we cover everything you need to know this month. We discuss  Vertikal Days feedback , updates from  Credit Fest 2025 , details on the upcoming  CICM Webinar , and the latest member conversat...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley speaks with Alison Beard, head of insolvency at Silverback Commercial Law Services, about winding-up petitions, their process, and consequences. A winding-up petition is typically presented when a debtor owes a creditor more than £750 and is believed to be insolvent, unable to pay their debts as they become du...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service, talks with Brent Cumming of Let's Talk Credit. They discuss the history of his credit forums and the benefits they offer to construction businesses. Brent, who began his career at Experian in 1988, has been involved in credit forums since the early '90s. He took them over in 2019, forming...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year , introduces a discussion between Lauren Woolley, Head of Business Operations, and Phillip King, Non-Executive Director. They discuss effective strategies for dealing with debtors who ignore payment requests. Lauren advises trying every available...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year , introduces a discussion between Laura Humphries, Head of Customer Development, and Phillip King, Non-Executive Director. They discuss the importance of agreeing on payment terms that work for both parties. Laura emphasizes that both the supplie...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service, presents the monthly update on construction credit management. As the third quarter of 2025 comes to a close, a shift in customer payment behavior has been observed. While customers were previously open about payment problems, they are now reducing communication, making debt recovery more...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year , introduces a discussion between Lauren Woolley, Head of Business Operations, and Phillip King, Non-Executive Director. They discuss practical strategies for getting paid promptly in the construction industry. Lauren emphasizes several key steps...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year , introduces a discussion between Laura Humphries, Head of Customer Development, and Phillip King, Non-Executive Director. They explore how various sources of information, beyond traditional credit reference agencies, can be invaluable when asses...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year , introduces a discussion between Rachel Symmonds, Member Support Team Manager, and Phillip King, Non-Executive Director. They delve into how to effectively use credit agency information. Rachel and Phillip agree that credit reference agency info...

In this "Minimise Debt, Maximise Cash with Top Service" episode, Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year, provides an August 2025 update on construction credit management. Emma announces that following a successful webinar, the next one will be held on October 1st, featuring an expert panel discussing retentions, with more details to follow. She report...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year, introduces a discussion between Rachel Symmonds, Member Support Team Manager, and Phillip King, Non-Executive Director.  They delve into the crucial differences between sole traders, partnerships, and limited companies, particularly within the c...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year , introduces a discussion between Laura Humphries, Head of Customer Development, and Phillip King, Non-Executive Director.  They explore why cash flow should be the number one business priority. The discussion highlights that businesses fail when...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Riley, CEO of Top Service and the 2025 Credit Professional of the Year , provides tips on how to maximize cash and minimize debt in the construction industry. Listeners can contact Top Service Limited on LinkedIn for questions or check out their video podcast on YouTube. The next episode will continue to help you ma...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Reilly, CEO of Top Service and the 2025 Credit Professional of the Year , presents a discussion between Laura Humphreys, Head of Customer Development, and Stella Reilly. Stella Reilly shares insights from her 20 years at Top Service, including credit management tips and tricks she's learned.  The podcast aims to pro...

In this episode of "Minimise Debt, Maximise Cash with Top Service," Emma Reilly, CEO of Top Service and the 2025 Credit Professional of the Year, hosts a discussion with Rosey Fitzsimmons and Laura Browne of Saint-Gobain. Long-term members of Top Service, Fitzsimmons and Browne share insights into their credit management procedures and how Top Service integrates into their operations.  L...

Think credit policies are only for large companies with big teams? Think again. Lauren Woolley explains why every construction business, no matter the size , needs a credit policy—and how having one can make the difference between getting paid and chasing debt. You'll learn: What a credit policy actually is (hint: it's not always a 50-page document!) Why “one size fits all” doesn’t apply in credit...

In this insightful episode, host Emma Reilly introduces a special conversation between Philip King , former Small Business Commissioner and newly appointed Non-Executive Director at Top Service, and Rachel Simmons from the Top Service team. Phil shares his first impressions of Top Service after spending time with the member support team—and what he discovered impressed him deeply. From their in-de...