Minimise Debt, Maximise Cash with Top Service

In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) shares an extract from a joint webinar with the CICM. Moderated by Philip King (Non-Executive Director), the conversation features Simon Howell from Tarmac. Simon provides an insider's look into how construction insolvency trends are currently playing out, how credit managers can spot early warning signs, and t...

In this September update, Emma Reilly shares how Top Service members are navigating current industry challenges, recovering aged accounts, and protecting their cash flow. What's in this episode: Record Debt Recovery: Why August wasn't a slow month for Top Service members, and how clear consequences for non-payment drive results. £1M Fraud Prevention Milestone: How construction-specific tra...

In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) introduces an extract from a webinar hosted jointly with the CICM. Moderated by Philip King (Non-Executive Director), the panel features Simon Howell (Tarmac), Rosie Payne (Saint-Gobain), Chelsea Ware (Travis Perkins), and Sue Chapple (Chartered Institute of Credit Management). Together, they explore the evolvi...

Here are the podcast episode notes based on the provided audio file: In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) shares the closing segment from a joint webinar held with the Chartered Institute of Credit Management (CICM). Moderated by Philip King (Non-Executive Director), the episode features quick, actionable advice from industry experts, including Pa...

In this special extra episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) takes you to Vertikal Days —the UK's premier trade event for the lifting, access, and height safety industries. To explore the unique financial hurdles facing the sector, Tosin Ajayi from Toes In Video Production hit the show floor to speak directly with industry leaders. From navigating slow...

Here are the podcast episode notes based on the provided audio file: In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) introduces a discussion featuring Nicola Hannant from CEMEX and Paula Swain of Kearns Legal Services. Moderated by Philip King (Non-Executive Director), the conversation addresses the real-world implications of charging statutory late payment...

In this episode, Emma Reilly breaks down the fast-shifting UK construction landscape. From credit insurers tightening risk limits to upcoming parliamentary legislation aimed at cracking down on late payments, learn how construction businesses can turn market challenges into opportunities for profitable growth and cash flow protection. Key Takeaways & Episode Highlights 1. Market Update: Credit...

In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) introduces an extract from a joint webinar with the CICM. Moderated by Philip King (Non-Executive Director), the panel features Nicola Hannant (CEMEX) and Paula Swain (Kerns Legal Services). Together, they answer questions regarding how to manage statutory late payment interest and compensation charges when inv...

In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) shares an extract from a joint webinar with the CICM. Moderated by Philip King (Non-Executive Director), the panel features Paula Swain (Kerns Legal Services) alongside a Top Service member, discussing how businesses can legally prepare to charge late payment interest, navigate legal proceedings, and handle cha...

In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) is joined by Nicola Hannant (CEMEX) and Paula Swain (Kerns Legal Services) to address practical questions regarding how late payment interest, compensation charges, and recovery fees are handled from an accounting perspective. Moderated by Philip King (Non-Executive Director), the conversation covers how to doc...

In this episode of Minimize Debt, Maximize Cash , host Emma Reilly (CEO of Top Service) introduces a panel discussion focused on overcoming resistance when charging statutory late payment interest and compensation. Moderated by Philip King (Non-Executive Director), the conversation features Elysia Ady from the Top Service collections team and Nicola Hannant from CEMEX. Together, they break down ho...

In this episode, Emma Reilly, CEO of Top Service, shares incredible success stories and hands out well-deserved shout-outs to the entire Top Service team. From smashing historic collection records to leveraging crucial industry feedback that saved members thousands of pounds, Emma highlights exactly why your construction business needs the Top Service advantage. Key Takeaways & Highlights A Re...

In this episode of Minimise Debt, Maximise Cash , host Emma Reilly (CEO of Top Service) introduces a discussion featuring Nicola Hannant from a leading supplier of cement and concrete products. Moderated by Philip King (Non-Executive Director), this segment explores how their company successfully implemented late payment interest and compensation charges, navigating internal concerns, commercial p...

In this episode of Minimize Debt, Maximize Cash , Emma Reilly, CEO of Top Service, is joined by Paula Swain from Kerns Legal Services. Together, they break down the Late Payment of Commercial Debts Interest Act 1998, explaining how businesses in the construction industry can apply it to secure interest, compensation, and legal costs on overdue commercial debts. Key Takeaways What is the Act? Passe...

In this episode, we go behind the scenes with one of the world’s leading building materials businesses.  Philip King FCICM , Non-Executive Director at Top Service, sits down with  Simon Howell FCICM , Head of Credit Management at  Tarmac , to discuss how specialized data and human insight protect Tarmac’s bottom line in the UK’s most volatile sector.  In This Episode: Simon shares his "boots...

Host: Emma Reilly (CEO of Top Service, Fellow of the Chartered Institute of Credit Management, and CICM Council Advisory Member) In the construction sector, waiting for a market correction isn't a strategy. With UK insolvencies ticking upward—and construction consistently accounting for roughly 17% of all company failures—business as usual won't protect your margins. In this month’s constr...

Leveraging the CICM for Better Credit Management Welcome to another episode of Minimize Debt, Maximize Cash with Top Service —the podcast dedicated to helping professionals in the construction industry maximize cash flow and minimize debt. In this episode, host Emma Reilly (CEO of Top Service and CICM Council Advisory Member) kicks off a special month-long focus dedicated to our valued partner, th...

Join  Emma Reilly FCICM ,  Philip King FCICM  (Non-Executive Director, Top Service), and  Simon Howell FCICM (Head of Credit Management at Tarmac) as they pull back the curtain on their popular industry webinars. They discuss why these sessions have become essential "survival tools" for credit professionals in the construction sector. What You’ll Learn: Adding "Color and Context&quo...

In this episode, Emma Reilly (CEO of Top Service) is joined by Rachel Brown of Saint-Gobain to discuss the transformative impact of the Chartered Institute of Credit Management (CICM) on their professional lives. As senior leaders, they reflect on how the institute provides more than just qualifications—it provides a lifelong supportive network. What You’ll Learn: Elevating Your Profile:  How the...

Upskilling is the key to professional confidence. In this episode, Emma Reilly is joined by Alison Blower, Laura Humphries, and Rachel Symmonds to discuss their experiences completing the CICM Level 3 Credit Management Qualification. They share how formal training has transformed their ability to support Top Service members. What You’ll Learn: Mastering the Terminology:  Moving from "debt col...

Welcome to the June 2026 edition of the Minimize Debt, Maximize Cash podcast. Host Emma Reilly —Top Service CEO, Fellow of the Chartered Institute of Credit Management (CICM), and CICM Council Advisory Member—delivers a critical briefing on the immediate external pressures currently shifting the UK construction landscape. While previous updates focused on long-term structural changes, June 2026 br...

How does a global leader in building materials manage credit risk in the UK’s most volatile sector? Emma Reilly welcomes Laura Brown, Finance Shared Service Center Director at Saint-Gobain, to discuss their 10-year partnership with Top Service. What You’ll Learn: Beyond Standard Reports  : Why Saint-Gobain relies on Top Service for "real-life" community intelligence that traditional cred...

In this special anniversary episode,  Emma Reilly  sits down with  Laura Humphries , Director of Customer Development at Top Service, to celebrate her incredible  10-year journey  with the company. Laura reflects on her transition from an entry-level role in debt recovery to a senior leadership position, all while balancing the rewarding challenges of motherhood. What You’ll Learn: Career Evolutio...

Register for our newsletter for regular updates of events and webinars. https://www.top-service.co.uk/contact-us/ (newsletter link at bottom of page) Standard credit reports often rely on filed accounts that can be up to 21 months out of date. In this episode of  Minimise Debt, Maximise Cash , Top Service CEO  Emma Reilly  explains why this data gap is dangerous and introduces the solution:  Tradi...

Welcome to the May 2026 edition of the  Minimize Debt, Maximize Cash  podcast. Host  Emma Reilly —Top Service CEO, Fellow of the Chartered Institute of Credit Management (CICM), and CICM Council Advisory Member—delivers a critical briefing on the "structural reset" currently transforming the UK construction sector. The landscape of construction credit is shifting rapidly. Relying on outd...