Bruce Clark Business-to-Business Team Leader

As 2026 looms on the horizon, Canadian businesses find themselves at a crossroads. With economic forecasts predicting weaker growth and shifting market conditions, credit professionals must navigate an increasingly complex financial terrain.

In today’s economy, the phrase Revisiting Credit Terms takes on added weight. With slower growth, vulnerable sectors, and tighter credit flows across Canada, it’s smart to review—yet risky to change—your payment schedules, credit limits and terms without disrupting long standing customer relationships. In this article, we’ll walk through when you should tighten terms, how to do so respectfully, and how to maintain the balance between risk‐management and relationship‐preservation.

As autumn arrives and the final quarter of the business year begins, financial leaders must wrestle with one hard truth: uncollected debt left unaddressed in October inevitably devolves into lost liquidity and painful write-offs by December.