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Proven Track Record
At Access Credit Management we specialize in both UK and International commercial debt recovery and have a proven track record of improving client cash flow by securing payment of outstanding
UK & International Debt Recovery
As one of the UK's leading debt collection agencies, Access Credit Management provides UK & International commercial debt recovery, credit management, credit control, credit insurance, business
Tailored to your business
In addition, we also take the time to understand your business needs. So, whether you require assistance to develop or revise your company credit policy and procedures, require credit information or

As a leading Credit Management Company, we offer many years of experience in dealing with slow paying debtors and have established a reputation for securing and recovering outstanding commercial debt from around the world.

Our focus on the commercial debt market has enabled us to develop a business methodology based on:

  • A detailed evaluation of your problem debt or portfolio to produce a realistic estimate of the likelihood of collection and the setting out of a recommended and cost effective method of recovery.

As a result of the methodology we develop:

  • A comprehensive recovery operation achieving results by implementing a defined strategy.

Our continuing success has been built upon:

  • Maintaining client relationships in strict confidentiality
  • Avoiding litigation wherever possible - solutions are primarily sought through innovation and negotiation
  • Offering a tailored service that meets with the clients' needs and objectives
  • Results driven.

The strength of Access Credit Management lies in the ability to evaluate, negotiate and the creation of circumstances within which problem debt situations can be successfully resolved.

Our objective on behalf of you and your business is to:

  • Maximize your cash flow
  • Reduce your financing costs
  • Increase your profitability
  • Reduce the time taken to collect cash from sales
  • Maintain debtor goodwill and commercial trading relationships
  • Minimize litigation costs.

All collections are conducted in a legal, ethical and professional manner. We value both your and our professional standing in the business community.

We constantly strive to assist our clients to trade with confidence with existing and future customers on a national and international basis and our continued success has been built upon providing a service that meets with our clients' requirements.

Give us a call now to see how we can improve the cash flow of your business.

Access Credit Management Limited was formed in year 2000 by John Cardwell and John Flaherty (MD).

Based on John Cardwell's industry sector experience and John Flaherty's business management skills, we hit the ground running and never looked back. That was until 2008, when John Flaherty was diagnosed with terminal cancer, he sadly passed away in 2009.

Access Credit Management Limited now has just the one director.

The company purchased Mr Flaherty's shares from his estate.

We recruited a young team who have now come of age, experienced in commercial global debt collection.

Our client base is diverse, one of our largest clients is probably one of the biggest US companies and most probably the most famous in its field. For this particular business we recover debt from the EMEA region and assist them to regenerate its debtor base into valued clients again, truly a "win-win" process.

Access Credit Management work for global media businesses, internet giants, high street outlets, publishing houses, construction businesses, technology centres to name but a few.

15 years working on a contingent basis, no membership or debt placement fees, demonstrates our efficiency in the market place, we have never been funded by banks or investors.

A truly independent business with a passion for what we do.

Our staff are educated to degree level and have been championed and challenged over the past five years by our client base who have retained their services and have significantly benefited by doing so.

UK and International Commercial Debt Collection and Credit Management

We believe that it is important for both existing and potential clients to know that they are dealing with a reputable and financially capable service provider.

Independent Credit Ratings

  • Equifax Score 85, rating A
  • Creditsafe Score 81.

Company Information

  • Company Registration Number: 03937357
  • VAT Registration Number: GB 763 5605 19.


  • Data Protection License Number: Z643776X

Professional Indemnity Insurance

  • HCC International Insurance Policy Number: PI16A554135.


Access Credit Management Ltd in the Community

Down's Syndrome Active Team


Access Credit Management Ltd are the proud sponsors of the Sheffield DS Active programme - an initiative to provide children with Down's Syndrome the opportunity to have a fantastic time, training and playing football at some of the UK's most hallowed grounds.

After much hard work training, the DS Active team recently do

nned the Sheffield Blades colours and played in a tournament at Milton Keynes (organised by community staff of the Milton Keynes' team MK Dons). Our intrepid players then settled down to watch their home team the Sheffield Blades take on the MK Dons in the big stadium (StadiumMK) - for many this was their first experience of all the razzmatazz of a league game.The initiative is a community charity managed by The United Initiative (part of Sheffield United Football Club). Sheffield's Down's Syndrome football team have been enjoying football sessions at the Club's Academy since October 2011.

But it didn't stop there for our DS Active team, our young heroes of the field took part in the half time parade. As they walked around the pitch to the booming applause of the big stadium crowd, there were some huge grins on some little faces!

The following week saw our intrepid heroes take part in a similar tournament hosted by West Bromwich Albion. The excitement continues with more training and events lined up for the year.

"The United Initiative would like to extend massive thanks Access Credit Management who are currently sponsoring our DS Active programme as well as everyone involved in these events including the host clubs, coaches, families, friends and of course the players!", Sheffield FC's United Initiative

For the full story see: Access Credit Management sponsors the DS Active initiative

Client Area

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Debt Collection Solutions without Hassle

There’s been a worrying increase in the levels of abuse that debt collection agency staff are experiencing during routine collection calls.  This was discovered following research carried out by the Credit Services Association (CSA) when surveying members.  It’s now reached unacceptable proportions with the majority of CSA members reporting unacceptable levels of abuse on a regular basis as they carry out their business.   The types of abuse experienced ranges from the use of profanities to serious threats which is distressing to debt collection profess

Four Types of Debtor and How to Deal With Them

Dealing with late payers and debtors is a vital and important part of financial management for any business, large or small.  While larger organisations tend to have the capital available to provide their own solutions or retain the services of a debt collection agency, this is not the case for smaller businesses.  SMEs make up 99% of business here in the UK and need to maintain a balanced cash flow in order to succeed.  As we pointed out 


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