Leak 1 · The contract
The contract says nothing about payment terms, or what happens when they are missed.
Without a written date, there is no late payment. There’s just a client taking their time.
B2B SMEs · Cameroon
Get paid faster.
Profitable on paper. Short on cash.
I help B2B SMEs get paid faster: solid contracts, tracking of unpaid invoices, systematic reminders. One result is measured: the number of days your clients take to pay.
- Prices shown upfront
- Excel + WhatsApp, no software to buy
- Measured every month
Built for companies that invoice other companies.
For owners and managers of SMEs that invoice other businesses and decide on client credit themselves, wherever they are in Cameroon.
You’re in the right place if you are
- A construction, finishing-works or subcontracting company
- A B2B service provider: maintenance, cleaning, security, IT
- A supplier or trader selling to professionals
- A transport or logistics company
- An agency, consultancy or engineering firm
This isn’t for you if you’re looking for
- Help for a cash-paid retail shop
- Debt recovery through the courts
- Invoicing software
Your sector in 10 seconds
In construction, money gets stuck in three places: progress statements waiting for approval, retention money nobody remembers to claim, and extra work done without a written order. A signed monthly statement, a release date recorded for each retention and no extra work without a priced written order solve most of it.
Where the money gets stuck in constructionFor a service provider, money gets stuck when the service has no written proof, when the client complains about quality only when the invoice arrives, or when the invoice goes to the wrong department. A job sheet signed every month, a complaint window in the contract and the approver’s name recorded at signing change the picture.
Where the money gets stuck in b2b servicesIn trading, money gets stuck when client credit has no limit, when goods leave without a signed delivery note, and when a client who already owes places a new order. A written credit limit per client, retention of title and deliveries paused above the limit, without exception, protect your cash.
Where the money gets stuck in tradingIn transport, money gets stuck when the signed waybill is lost between the driver and the office, when waiting or handling charges are disputed, and when monthly batch invoicing starts the payment clock too late. A photo sent the same day, a schedule of charges attached to the contract and invoicing every two weeks fix most of it.
Where the money gets stuck in transport and logisticsFor an agency or a consultancy, money gets stuck when work starts without a deposit, when back-and-forth on deliverables never ends, and when the final instalment is held back “until satisfied”. A deposit before starting, a number of revisions written in the quote and a payment schedule by approved milestone solve most of it.
Where the money gets stuck in agencies and firmsYou did the work. You’re still waiting for the money.
An SME can be profitable on paper and still run out of cash because its clients pay late. Salaries, suppliers and taxes don’t wait. It often starts inside your own company, in three precise places.
Leak 2 · Tracking
Nobody knows, on any given day, who owes how much and since when.
Invoices sit in a binder, payments on the bank statement, and the reconciliation lives in the owner’s head.
Leak 3 · Reminders
Reminders go out when someone remembers.
Your client knows it. They pay first the suppliers who follow up on fixed dates.
What late payment costs you, on top of the wait.
None of these costs appear on the invoice. All of them appear in your accounts.
- The overdraft and its interest, to pay salaries your clients already owe you.
- Your own suppliers paid late, and worse terms next time.
- Orders turned down because cash can’t keep up.
- Your evenings spent chasing payments instead of running the business.
Calculator
How much of your money is sleeping at your clients’?
Three figures are enough. A fourth shows what the delay costs if you cover it with an overdraft. Nothing is saved.
Three workstreams. One number to bring down.
That number is your average payment time: the days between sending an invoice and the money landing in your account.
45d60 d
Figures from the calculator above. Change them and the gauge follows.
- 01 · Before the order
Solid contracts
A contract that protects your cash fits in a few clear clauses, written before the work starts, not on the day the client stops answering.
- 02 · Every week
Tracking unpaid invoices
A table, updated every week, that answers one question: who owes how much, and since when? Excel is enough.
- 03 · On fixed dates
Systematic reminders
Reminders stop depending on the mood of the day. They follow a calendar the client has known since signing.
Benchmark
In 2025, the Cameroonian State took more than 200 days to pay its suppliers.
Up from 120 days in 2023 and 160 days in 2024. When the largest client in the country pays this late, every company in the chain waits too: your clients pay you late because they are being paid late themselves. You can’t change their cash flow. You can change your place in their payment queue.
- 2023 · 120 d
- 2024 · 160 d
- 2025 · 200+ d
Source: Treasury Directorate, Ministry of Finance (Minfi), coordination meeting of 6 February 2026, reported by Financial Afrik on 26 February 2026 (in French). Read the Financial Afrik article
We start by measuring. Then three steps, prices shown.
Every engagement starts with the free 45-minute diagnostic. The three paid steps follow, only if they make sense for you.
- 45 minutes · free
Diagnostic
We look at your clients’ payment times and one standard contract. You leave with an estimate of what late payment costs you each month.
- Step 1
Audit
State of your receivables, gaps in your contracts, written action plan.
- Steps 2 + 3
System and follow-up
Template contracts, tracker, reminder scripts, team training. Then a check-in every month.
Cash & Contracts Audit
50,000 FCFA
State of your receivables, main contract gaps, action plan.
- Your outstanding invoices, sorted by age and by client
- A review of your contracts, quotes and purchase orders
- Gaps ranked from most to least costly
- A written action plan: who does what, and when
Collection System
Range150,000 – 250,000 FCFA
Contract templates, receivables tracker, WhatsApp reminder scripts, team training.
- Contract and payment-terms templates fitted to your business
- Receivables tracker, ready to fill in
- WhatsApp and email reminder scripts, from polite reminder to formal notice
- Training for the person who will run the tracking
The price depends on your situation, within this range. The audit is used to quote it precisely.
Monthly follow-up
35,000 FCFA / month
A monthly review of your receivables and reminders.
- Measurement of your average payment time
- Review of the oldest invoices
- Fine-tuning of reminders and templates
Payment :Orange MoneyMTN MoMoBank transfer
Details of the offersAbout
Trained in law, focused on a single problem.
I’m Noé Mbwang, founder of Noé Tech Growth. I hold a Master’s in Public International Law and Political Science. I work on one thing: helping B2B SMEs get paid faster. AI is a means: it lets me deliver your documents faster. The result I measure is your clients’ average payment time.
IBM Data Analytics Professional CertificateIBM Data LiteracyAnthropic AI Fluency for Small Businesses
My background and methodLatest articles
All articlesHow do you calculate your average payment time?
Calculate your average payment time (DSO) in three minutes: the formula, a worked example in FCFA, and how to compare it with the terms in your contracts.
What does late payment really cost an SME?
A client paying at 60 days instead of 30 ties up a month of revenue. The FCFA calculation, the overdraft cost and the hidden costs you never see on paper.
What to do when a client hasn’t paid after 60 days?
Invoice 60 days late: check your file, call the right person, write citing the penalty clause, pause deliveries, then send a formal notice if nothing moves.
The questions I get asked.
Is the 45-minute diagnostic free?
Yes. The 45-minute diagnostic is free. You leave with an estimate of what late payment costs you, whether or not we work together afterwards.
My clients are large companies. I don’t want to upset them.
A reminder set out in the contract and sent on a fixed date is not aggressive. It shows your company is organised. The scripts are written to protect the relationship.
My client is the State or a public company. What changes?
Their payment chains are long and you don’t control them. What you do control: a complete file from the first submission, signed proof of delivery, and tracking that knows which stage each invoice is at. An incomplete file lengthens a delay that is already long.
What result can I expect?
I don’t promise a number. We measure your average payment time at the start, then every month. That number tells us whether the work is paying off.
How soon will I see an effect?
Weekly tracking and fixed-date reminders act on invoices already outstanding, from the first month. New contract terms act on new orders, so their effect builds up over the following months. The monthly measurement shows you both.
I’m not in Douala or Yaoundé. Can we still work together?
Yes. The diagnostic, the documents and the monthly follow-up work over WhatsApp and email, wherever your company is based.
Diagnostic
45 minutes to know your number.
Tell me your sector, whether your clients pay late, and the size of your team. I reply within the day, wherever you are in Cameroon. The diagnostic is free.