Our Services

Accounts Receivable Outsourcing

Streamlined end-to-end management to reduce DSO and improve cash conversion.

follow-up and resolution strategies designed for every stage of delinquency.

Credit and Risk Assessment

Data-driven evaluations to optimize your credit policies and minimize exposure.

Intelligent outreach based on account risk, balance, and payment behavior.

Strategic Advisory Support

Customized collection strategies to lower costs, increase efficiency, and maintain brand integrity.

Propensity-to-Pay Analytics – Using technology and insight to identify the best time, channel, and message for collection success.

Stop Chasing Payments. Start Controlling Your Cash Flow.

We help B2B companies reduce late payments, improve cash flow, and recover lost revenue through smarter accounts receivable strategies.

See How It Works

Trusted by B2B companies across Canada

What Data Say

46%

Nearly half of Canadian B2B invoices are paid late, with around 46% of trade credit invoices overdue and about 6% written off as bad debt, which directly hurts cash flow for SMEs

40%

of SME's B2B businesses are outsourcing their accounting processes as of 2025.

30%

reduce your Days Sales Outstanding (DSO), based on implemented specialized strategies to accelerate your cash velocity, protect and increase your company’s market valuation by securing the maximum return for you during future sale, financing, or succession.

WHO ARE WE

M.N.M. Credit Management Solutions helps B2B companies in Montreal get paid faster, reduce bad debt, and gain control over their receivables.

With over 20 years of hands-on experience in credit and accounts receivable management, we work as an extension of your team—bringing structure, visibility, and discipline to your Order-to-Cash process.

We specialize in supporting manufacturing and distribution businesses that have outgrown manual processes and need stronger credit controls, clearer reporting, and more consistent collections.

Our approach is simple: identify where cash is getting stuck, fix the gaps, and put systems in place to keep your cash flow predictable.

Unlock Your Cash Flow. Reduce DSO. Scale With Confidence.

We help B2B companies optimize accounts receivable and accelerate cash collection using data-driven strategies.

See How It Works

Cash Flow Fixes

Real client results that show how we transform receivables into reliable cash flow.

SaaS Enterprise

Managing rapid growth with legacy AR systems.

22% Cash Flow Increase

Industrial Mfg

Struggling with high DSO and overdue invoices.

18-Day DSO Reduction

Regional Logistics

Rising bad debt write-offs in a volatile market.

40% Bad Debt Reduction

Real Results

A mid-sized distribution company was extending credit to new customers without proper verification. Multiple fraudulent accounts were opened, resulting in over $490,000 in unrecoverable losses.

We implemented a structured credit verification process, tightened onboarding controls, and introduced risk scoring.

Within 3 months, no new fraudulent accounts were approved and credit exposure risk dropped significantly

Situation:
A growing distribution company was onboarding new customers quickly to support sales growth.

Challenge:
Weak credit verification led to fraudulent accounts being approved, resulting in significant bad debt.

Solution:
A structured credit approval process was implemented, including:

Customer verification controls
Credit limits based on risk
Approval workflows

Result:

Fraud-related losses eliminated
Improved control over new accounts
Stronger credit discipline across the business

"Using MNM Credit Management Solutions has been a great experience. It provides valuable insights and tools that have significantly improved my financial decision-making."