Keeping enough funds available for collection

Know your collection date

Repayments are collected on set dates by direct debit or your agreed method. Knowing those dates and making sure the repayment account holds enough the day before is the whole job. You can see upcoming collections in your account, and set a reminder a couple of days ahead so a busy week never catches you out.

Use reminders and alerts

Turn on payment reminders in your notification settings so you are prompted before each collection. Pair that with security alerts and you have both a nudge to fund the account and a warning if anything about your payments changes.

If a collection is going to fail

If you know a payment will not go through, tell us before the date, not after. We would far rather arrange something in advance than process a failed collection. If your cash flow is genuinely tight, that is a conversation we handle with care and without friction — read about support on the apex site and see the answers hub for common questions on repayment difficulty. There is no penalty for asking early.

Plan cash flow around collections

The steadier your cash flow, the easier collections are. Use the Credit Corp calculators to see repayment amounts and timing, and read Learn for guidance on managing working capital so collection dates line up with money coming in.