{"id":569650,"date":"2025-08-14T11:46:18","date_gmt":"2025-08-14T10:46:18","guid":{"rendered":"https:\/\/ibsintelligence.com\/?post_type=ibsi_news&#038;p=569650"},"modified":"2025-08-18T07:47:40","modified_gmt":"2025-08-18T06:47:40","slug":"uk-plans-fines-for-late-payers-as-smes-lose-14-8b-a-year","status":"publish","type":"ibsi_news","link":"https:\/\/ibsintelligence.com\/ibsi-news\/uk-plans-fines-for-late-payers-as-smes-lose-14-8b-a-year\/","title":{"rendered":"UK plans fines for late payers as SMEs lose $14.8b a year"},"content":{"rendered":"<p data-start=\"266\" data-end=\"593\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-555583 alignright\" src=\"https:\/\/ibsintelligence.com\/wp-content\/uploads\/2024\/02\/SMEs.jpg\" alt=\"SMEs, UAE\" width=\"300\" height=\"300\" srcset=\"https:\/\/ibsintelligence.com\/wp-content\/uploads\/2024\/02\/SMEs.jpg 300w, https:\/\/ibsintelligence.com\/wp-content\/uploads\/2024\/02\/SMEs-150x150.jpg 150w, https:\/\/ibsintelligence.com\/wp-content\/uploads\/2024\/02\/SMEs-100x100.jpg 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p data-start=\"266\" data-end=\"593\">The UK government\u2019s proposal to fine persistent late payers has been welcomed as a step towards restoring fairness in the supply chain. However, Andreas Mjelde, CEO and co-founder of B2B payments platform Two, warns that penalties alone will not resolve the structural causes of the late payment crisis affecting UK SMEs.<\/p>\n<p data-start=\"595\" data-end=\"953\">Government data indicates that 38 small businesses fail daily due to cash flow issues linked to late payments, costing the economy an estimated $ 14.8 million annually. While fines aim to deter repeat offenders, Mjelde cautions that unless the recovered funds go directly to the SMEs impacted, the measure may be little more than a symbolic deterrent.<\/p>\n<p data-start=\"595\" data-end=\"953\"><strong>A<\/strong><strong>ndreas Mjelde, CEO and co-founder, <a href=\"https:\/\/www.two.inc\/\">Two <\/a><\/strong>\u201cWhile fining persistent late payers is a step forward in terms of restoring fairness and autonomy to the small business owners who power the UK economy, I worry these penalties miss the real problem. If the fines go to the government rather than the SMEs who desperately need cash flow, large corporations might simply treat them as a cost of doing business. Why would this work? Because owing money to an SME is easy to ignore. Owing money to HMRC? That\u2019s a different story. And this isn\u2019t fantasy the infrastructure already exists. At Two, we provide instant payment to suppliers while handling collections. The government could leverage similar technology, integrating with existing accounting systems to make the process seamless\u201d<\/p>\n<p data-start=\"1336\" data-end=\"1623\">Instead, he advocates for a government-backed receivables fund. Under the proposal, SMEs could transfer overdue invoices to the government and receive immediate payment. The government would then collect from the late-paying corporation, applying aggressive penalties and interest.<\/p>\n<p data-start=\"2026\" data-end=\"2345\">Such a framework, Mjelde argues, would combine regulatory teeth with FinTech-enabled efficiency, making late payments \u201cstructurally impossible.\u201d By leveraging instant payment solutions, the approach could inject vital liquidity into the SME sector while ensuring large corporates bear the cost of delayed settlements.<\/p>\n<p data-start=\"2347\" data-end=\"2677\">As policymakers continue to refine the UK\u2019s late payment reforms, industry experts emphasise that the real opportunity lies in pairing penalties for offenders with technology-driven prevention measures a model that could protect the SMEs powering the UK economy while dismantling late payment culture once and for all.<\/p>\n","protected":false},"author":35851,"featured_media":555583,"parent":0,"template":"","categories":[11395,11381,41779,11382,11368,11376,42764,11379,35279,11373,11397],"tags":[11668,11649,12004,11438,11409,12472,11549,11515,11418,11406],"class_list":["post-569650","ibsi_news","type-ibsi_news","status-publish","has-post-thumbnail","hentry","category-analytics","category-artificial-intelligence","category-banktech","category-cloud","category-core-banking","category-digital-banking","category-digital-payments","category-lending","category-loans","category-regtech","category-saas","tag-cross-border-payments","tag-digital-banking","tag-digital-lending","tag-digital-payments","tag-digital-transformation","tag-financial-inclusion","tag-financial-services","tag-fintech","tag-instant-payments","tag-uk"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.9 (Yoast SEO v24.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UK plans fines for late payers as SMEs lose $14.8b a year - IBS Intelligence<\/title>\n<meta name=\"description\" content=\"The UK government\u2019s proposal to fine persistent late payers has been welcomed as a step towards restoring fairness in the supply chain\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ibsintelligence.com\/ibsi-news\/uk-plans-fines-for-late-payers-as-smes-lose-14-8b-a-year\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UK plans fines for late payers as SMEs lose $14.8b a year\" \/>\n<meta property=\"og:description\" content=\"IBS Intelligence (IBSi) is the world\u2019s only pure-play Financial Technology focused research, advisory, and fintech news analysis firm, with a 30-year track record and clients globally. 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