Built on discipline. Focused on cash flow.
We built FoxBridge Credit around one principle: receivables strategy done right requires operational rigor, not recycled templates.
Pressure-tested methodology, not borrowed playbooks.
About FoxBridge Credit
FoxBridge Credit helps B2B distribution and construction-supply companies turn accounts receivable from a back-office problem into a source of stronger, more predictable cash flow.
Most credit and collections work treats symptoms — chasing late invoices, writing off bad debt, reacting to the customer who suddenly stops paying. FoxBridge works on the architecture underneath: how credit decisions get made, how risk is monitored before it becomes a loss, and how receivables are managed so cash arrives faster and write-offs shrink. The result is lower DSO, less bad debt, and a credit function that protects the business instead of slowing it down.
Who's behind it
FoxBridge Credit was founded and is led by Andrew Smith, a credit and accounts receivable leader with more than seven years of experience managing large commercial credit portfolios across multi-state operations. He has overseen portfolios of 500 to 1,000 commercial accounts, directed DSO and bad-debt performance, built and coached credit teams, and led the kind of AR process improvements that move real numbers on the balance sheet. His work centers on the industries where trade credit carries the most risk and the most opportunity — distribution, building products, and construction supply — including deep familiarity with Florida lien and bond requirements that most general advisors overlook.
He holds the Credit Business Associate (CBA) designation from the National Association of Credit Management and an MBA.
Built on a foundation of service
Before his career in credit, Andrew served in the United States Marine Corps as a team leader, with combat deployments to Afghanistan. That experience shaped how he works: disciplined, accountable, and focused on getting the mission done under pressure. FoxBridge Credit is a veteran-owned firm, and that standard of ownership and follow-through runs through every engagement.
How we work
No templates. No generic playbooks. Every business has a different customer base, risk profile, and cash-flow reality, so every engagement starts with understanding yours. Whether it's a focused diagnostic, a receivables turnaround, or ongoing fractional credit leadership, the goal is the same: practical, measurable improvement you can see in your aging report and your bank balance.
Small by design. Focused by choice.
Every engagement receives direct attention from the people who built the methodology. No handoffs to junior staff, no generic recovery plans — just financial clarity and a working strategy.