About Us

NK Credit Consultancy Ltd t/as Confident Cashflow is a complete credit management solution for your business.

Established in 2017, but with years of experience under our calculator, we’re based in Wiltshire. Confident Cashflow provides support in credit control issues to small businesses like yours across the region.

The business is fronted by me, Nicki Kinton, the NK part of the company.

Picture of Nicki Kinton

Nicki Kinton, Founder & Director of Confident Cashflow

We can’t all be passionate about credit. And it would be a bit weird if we all were. And anyway – you don’t have to be because you’ve got me and Confident cashflow to be passionate about it for you.

I’m passionate about credit management because I know the difference it can make to a small business. I developed this passion at my father’s knee. Well, via work experience in his accountancy firm in my school and later, university, holidays. It’s fair to say then that working with numbers was my destiny. But I didn’t know what form this would take until I discovered credit control and fell in love with it.

Alongside my years of practical experience working in large companies, I have professional qualifications that demonstrate my ability to support your business. Namely a 1st class BA Hons degree in credit management and am qualified with the Chartered Institute of Credit Management (CICM).

The benefits of a credit management consultancy to your business

Confident Cashflow will help you to identify where you can make your processes more efficient. This in turn will improve your cash flow and save you time, money and reduce your stress. It’s hard to put a price on that.

Taken to the next level we can also help you improve sales and grow your business and who doesn’t want that?

But you don’t have to take my word for it. This is what a satisfied client had to say:

Find out more about how we can bring value to your business on our Consultancy Services page.

Or contact us now for your FREE no-obligation consultation and together let’s put the control back into credit control.

My LinkedIn page

What our clients have to say about us

"I met Nicki via LinkedIn fairly recently and she has been a massive help to me in the business. She is organised ,transparent and easy to deal with. Above all she gets clients to pay promptly and she has improved my cashflow enormously. I would recommend her highly."

"As a relatively new business we needed some T's and C's to make sure we and our customers were appropriately protected. Nicki worked with us, taking the time to understand the unique elements of our services, to create some solid T's and C's. Communication and follow up was excellent, as were the response times to our queries and of course the final quality product. With a friendly manner backed by great subject knowledge, I can happily recommend NK Credit Consultancy to anyone and everyone."

Being a small business is hard.  There just isn’t enough expertise in all fields to ensure you are compliant with everything. Between Simon and I, we pretty much had everything nailed, but one thing that was worrying me was our credit terms and lack of contract with our clients.  We were working very much on a faith/trust basis, and it was only a matter of time before something went really wrong.  So that’s when I called upon Nicki.  Her knowledge of the ‘rules’ is outstanding.  She was very friendly, and asked me all about my business to understand our own processes to get a better understanding of how we operate.  It would have been very easy for her to issue us with a set of standards terms and conditions, but instead she tailored them to our exact needs.
We have implemented them for all new clients and contracts, and slowly introducing them for our existing and repeat clients.  But I am feeling a lot happier now that we have something in place.  I am hoping that we won’t ever have to use them against a client, but at least we have them now.

"I asked Nicki to draw up some Ts & Cs for my business and she absolutely delivered. She did her research so she could fully understand my sector, asked pertinent questions and produced Ts & Cs which are spot on. She's very professional to work with, listens and is hugely likeable. Most importantly, I now have peace of mind that I am covered for eventualities."

"I met Nicki through a local networking group as I was looking for someone to write Terms and Conditions for my new venture into the corporate world and to refresh the T&Cs I had for my online eLearning business.
The process was professional, timely and interactive. Nicki had a good understanding of what I needed but made sure that any specific requirements were captured and added to the documents.
I would definitely recommend her, both from a professional perspective in what she delivers, but also the engagement and connection that we made at a personal level."

We have been looking for a long time for someone to be able to produce our T & C's as they are so complicate due to the varied work we carry out. Nicki was very understanding and produced a very specific product for us.

Nicki provided us with exactly what we were after and haven't been able to get others to provide.
Great Job well done.

Very prompt and efficient, pleasure to work with.