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Outsourced Credit Control & Credit Management for growing SMEs.

Senior-only handling. No call centre model. Clear communication & commercial logic that turns overdue invoices & disputes into predictable cash flow. Built for SME’s who want clarity, control and predictable cashflow.

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32% → 5%

Reduced overdue debt for major M&E contractors

7% → 0%

Liquidated 60+ day aged debt completely

£10M+

Total career ledger recoveries managed

The Boutique Alternative

to Bulk Agencies & Expensive Law Firms

TRADITIONAL AGENCIES

✕ Junior staff handling your case
✕ Aggressive, one-size-fits-all tactics
✕ Hidden fees and surprise costs
✕ Generic templates, no contract expertise

LUUM RESOLUTIONS

✓ Senior experts personally handle every case
✓ Relationship-first, mediation approach
✓ Transparent pricing — zero hidden fees
✓ 100% output, laser-focused on your cash flow

Our Services

Forensic Ledger Recovery

Deep-dive into aged debt & 'uncollectable' accounts — dismantling debtor excuses through contract analysis.

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Credit Management

Proactively assessing & managing the credit worthiness of customers before & after doing business with them. By evaluating credit limits and monitoring accounts we are assessing their reliability.

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Dispute Resolution Frameworks

Neutral settlement architecture for high-value contested invoices where legal fees would be prohibitive.

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Credit Control Advisory

Audit and strengthen your credit control processes to ensure predictable, protected cash flow.

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The Luum Difference

Why Luum Resolutions Ltd?

The Difference Between Collecting Debt and Managing Credit.

Most agencies focus on the demand. We focus on the resolution. Build strong relationships with clients and increase profits, while minimising financial risks. We help businesses get paid faster and consistently by bringing order to messy ledgers. No scripts. No pressure tactics. Just experienced credit management that gets results.

Recover overdue invoices

Resolve disputes and blocked payments

Fix retentions and final account issues

Clean up aged debt

Strengthen credit processes

Support overstretched finance teams

Ethical Recovery

Trust & Compliance

Ethical Recovery You Can Trust

Every case is handled with transparency, fairness and full regulatory compliance — protecting both your revenue and your reputation.

FCA Vulnerability Framework

Our TEXAS Model is trained to identify and appropriately support vulnerable customers at every stage of recovery.

UK GDPR Data Protection

Encrypted storage on Google Cloud. No sub-processing without consent. Your data stays under our direct control.

Consumer Duty Compliant

Fair treatment policy across all recovery actions. No surprise escalations. No aggressive tactics. Ever.