The organisations below offer products that are complementary to icmOS. Click on a logo below for more information.
Businesses are being tested today like never before as cash to support them becomes less readily available. The Institute of Credit Management believes adhering to the basic principles of credit management and adopting best practice enables businesses to compete and grow, even in the most challenging conditions

Whatever the size of your business, and in whatever sector you operate, this leaflet will show you how you can keep the cash flowing through the good times, and the bad.


The Institute of Credit Management (ICM) is the largest professional credit management organisation in Europe. It represents the credit profession across trade, consumer and export credit, as well as in related activities such as collections, credit reporting, credit insurance and insolvency.
ICM Online Services delivers a Virtual Learning Environment which is comprehensive, structured and cost effective. It is an open platform learning system comprising key benchmarking tools including calculators, quizzes, questionnaires, factsheets and dynamic roleplays to bring credit management to life. icmOS Lite is a streamlined version of the full icmOS system. It covers the major areas of Credit Risk Assessment and Collection Techniques.