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 they run out of cash, citing examples like Carillion, Woolworths, and ISG.

Laura and Phil emphasize that many smaller construction businesses, while passionate about their craft, often overlook crucial cash flow management. They discuss the importance of looking within the business for accumulated retentions or unpaid invoices and how getting support in credit management from day one can reduce the likelihood of failure.

Top Service offers assistance in recovering outstanding retentions and unpaid invoices, with one client successfully recovering 75% of $1.4 million in overdue retentions. This episode stresses that monitoring cash flow is vital, reiterating the saying: "turnover is vanity, profit is sanity, and cash is reality". For businesses interested in learning more about how Top Service can help with retentions, you can visit the Top Service website or call 01527 518802.

To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/

Music by Purple Planet

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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 maximize cash and minimize debt by buying from Top Service.

To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/

Music by Purple Planet

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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 provide tips on how to maximize cash and minimize debt in the construction industry. Details on how to contact Top Service will be provided at the end of the episode. You can also find a video version of this podcast on their YouTube channel by searching "Top Service Limited".

To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/

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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.

Listen to gain tips on maximizing cash and minimizing debt within the construction industry. Contact details for Top Service will be provided at the end of the episode. You can also find a video version of this podcast on their YouTube channel by searching "Top Service Limited"

To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/

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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 management
• How small businesses can implement practical, effective credit controls
• The long-term benefits of having a policy in place from day one

Whether you're running a team of fifty or flying solo, this episode is packed with straightforward advice to help you protect your cash flow and build a stronger financial foundation for your business.

To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/

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-depth training and real-time payment intelligence to the trust-based relationships with members, Phil explains how the Top Service approach goes far beyond standard credit data. Tune in to hear:

• Why Top Service is more than just a credit reporting agency
• How real-time, construction-specific insights give members a powerful edge
• The value of having a skilled team as an extension of your business
• Why Top Service’s support is especially vital for small construction firms without in-house credit expertise

Whether you’re an existing member or curious about how Top Service works, this episode shows what makes their approach truly unique in the construction industry.

To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/

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