Payment practices trends

US business response to shifting trade policies

Our survey of companies across Canada, Mexico and the US reveals that while trade credit use is expanding, businesses remain cautious amid persistent concerns over overdue payments, bad debts and economic uncertainty

Tighter access to finance, uncertainty, and geopolitical turmoil shift focus from growth to cash flow protection

The Barometer reveals deteriorating payment behaviour for B2B transactions in Western Europe

Dutch B2B suppliers operate in a business environment where payment discipline is strong but rising economic and geopolitical pressures make customer payments less predictable

Belgium shows growing strain in B2B payments, edging closer to higher risk levels seen across Western Europe

As economic uncertainty remains high and trading conditions volatile, Spanish businesses shape B2B payment risk management around cash flow protection

Liquidity pressure is higher in Germany than Western Europe due to tight bank lending, trade shocks, and rising costs, making cash and payment risk management critical

As borrowing costs rise in response to inflation shifts across the Nordic region, growth risks are building, putting increasing pressure on corporate liquidity

Our survey of companies in Central and Eastern Europe (CEE) reveals a clear worsening trend in B2B customer payment behaviour, with more companies reporting an increase in late payments than improvements

Our survey of companies across Türkiye reveals that a concerning trend of B2B customer payment delays has sparked a move towards strategic credit risk management

Our survey of companies across Poland reveals that ongoing pressures on cash flow are prompting a cautious but proactive approach to payment risk management

Our survey of companies across Hungary reveals a strong focus on safeguarding financial stability and preserving long-term business continuity during unpredictable trading conditions

Our survey of companies across Romania reveals that a continued focus on proactive credit risk strategies will be the key to future financial health and stability

Our survey of companies across Slovenia reveals concern about liquidity pressures as companies report a deterioration in B2B customer payment behaviour

Our survey of companies across Romania reveals that a continued focus on proactive credit risk strategies will be the key to future financial health and stability

Our survey of companies across Bulgaria reveals a risk-averse mood amid widespread concern about the levels of late payments and bad debts

Our survey of companies across Slovakia reveals widespread concern about liquidity issues amid high levels of both late payments and bad debts

Strong payment discipline on the surface hides payment risk hotspots that need close attention and proactive risk management