If you’ve ever heard David Brooke – The Gratitude Guy – speak at an NACM event, you know how important it is to take time to reflect on what you have to be grateful for in your life. Research shows that:

• Gratitude leads to greater emotional and social well-being.

• Expressing gratitude to your employees can boost productivity by more than 50%(!)

• Gratitude journaling leads to a 25% improvement in sleep quality.

Here are a few articles and studies about the power of gratitude and some ideas about how to make it a practice:

• 10 Amazing Statistics to Celebrate National Gratitude Month
• Gratitude enhances health, brings happiness – and may even lengthen lives
• Benefits of Gratitude: 28+ Surprising Research Findings

While I have many, many things to be grateful for, I want to take a moment to share a few that are especially meaningful to me here at NACM BCS. Maybe some of these are on your list too!

• Our members. Whether you’ve been with us your entire career or recently joined, we exist to help you grow and thrive in your profession. Without you, there is no us. Thank you for your commitment to NACM and for allowing us to support you on your journey.

• Our Board of Directors. These dedicated members volunteer their time and expertise to help NACM BCS grow and evolve to meet your needs. I’m deeply grateful for their commitment and support. (You can read more about them in the July eNews!)

• Our incredible NACM BCS team. I’m so grateful for the experienced, committed, and knowledgeable professionals I get to work with every day. They assist our members and customers with care, bring our values to life, and have fun doing it!

• Our industry partners. We’re fortunate to collaborate with wonderful partners like UTA, Experian, D&B, TCLM, CIC and Billfire—people who are always ready to help us bring solutions that help our members work more efficiently and effectively.

• Our future. Exciting things are happening! As we bring our strategic plan to life, I believe the potential for this organization is tremendous. The more I learn about NACM BCS, the more I wonder why every business isn’t already a member?! There’s so much value here for everyone—and in the coming months, we’ll be working to make that even more visible.

If you’re willing to share, I’d love to hear what you’re most grateful for this year—especially if there’s a person, program, or experience at NACM BCS that has made a difference for you. Please email me at lauram@nacmbcs.org, and I’ll share your notes with the team. We will all be so grateful!

Wishing you each a moment this month to reflect on what you’re grateful for!

We are joining all the NACM affiliates across the country to conduct a 2026 compensation survey. Similar to our first effort in 2024, the intent is to gather data about salaries and benefits for credit professionals locally and at member companies across the nation. A lot was learned in the first study two years ago, and we are hoping to grow member participation and information this year. Participating members will receive the final report at no cost.

One lesson learned in 2024: This survey will likely require the assistance of your Human Resources professionals to ensure that we receive the best comparative data. We learned that many of our credit professionals did not have a full view of the requested information. While the results were satisfactory, if you can enlist the help of your HR colleagues, we expect even better information to share with you.

The survey was initially distributed via email in mid-October with follow-ups into early November. It is being conducted by a third party who respects privacy as well as the intricacies of compensation studies. The survey will include the benefit questions from last survey. Please participate and start by asking your HR office for help.

If you have not received the survey, please check your Junk Mail. If you can't find it there, contact Erica Wagner in our office at ericaw@nacmbcs.org. It only takes a few minutes providing you have all the appropriate information at hand. That's where you HR professional will come in handy.

This exercise is important to our profession so please make a effort to participate. Your involvement can help everyone in credit. Thanks for your help!

Contact your Account Executive at NACM Business Credit Services today!

206-728-6333 / info@nacmbcs.org

Education

Seattle, WA | Wednesday, Nov 5, 2025 | 9am-6pm

Seattle's Museum of Flight

Fasten your seatbelts and prepare for a full day of insight, strategy, and connection at the Western Washington Credit Forum, a premier conference designed for today’s B2B credit professionals. Held at Seattle’s stunning Museum of Flight, this event offers a rare opportunity to elevate your perspective—both literally and professionally—amid the backdrop of aviation history. Whether you’re navigating headwinds or cruising toward growth, this conference will equip you with the tools and knowledge to stay ahead of the curve.

Expect engaging sessions, practical takeaways, and plenty of time to network with fellow credit leaders—all while enjoying the inspiring surroundings of one of Seattle’s most iconic venues. It’s time to take your credit strategy to new heights!

Member Rate – $195 Early Bird / $225 Regular

Non-Member Rate – $230 Early Bird / $260 Regular

 Second Attendee Rate: Bring additional members of your team for only $145 each!

Includes: morning pastries with coffee & tea, lunch buffet, afternoon snack,

cocktail reception with light appetizers, and museum admission!

For more information on speakers and to register, click the button below.

REGISTRATION DEADLINE, OCTOBER 30

November Webinars

Transform Your AR Process with Billfire

FREE Live Webinar Demo

Thursday, 11/17/2025 from 1:00PM-2:00PM PT

Join us for an exclusive live demo of Billfire, the intelligent accounts receivable (AR) automation platform designed to streamline your collections, disputes, and cash application processes. You’ll see firsthand how Billfire empowers AR teams to work smarter, not harder—boosting cash flow, reducing DSO, and enhancing customer relationships.



What You’ll Learn:

• How Billfire automates manual AR tasks to save time and reduce errors
• Real-time collaboration tools that improve communication with customers and internal teams
• Insights into the platform’s intuitive dashboards and reporting capabilities
• A walkthrough of key modules
• Live Q&A with their product experts

Whether you’re a finance leader looking to modernize your AR operations or an AR professional seeking better tools, this demo will show you how Billfire can make a measurable impact on your bottom line.

The new Trade Credit & Liquidity Management (TCLM) provides a wide range of resources, best practices, and community features, as well as economic and technology trends for the benefit of credit, treasury, and finance professionals. The articles, webinars, and podcasts are designed to help our NACM BCS members and customers meet their company’s trade credit and liquidity challenges and uncover opportunities as forward-thinking, value-added advisors.

This new benefit to membership in our affiliate is being offered at a special subscription rate just for members and customers of NACM Business Credit Services. Take it for a test drive. If you like what you see, you will soon be invited to subscribe to this new service at special NACM BCS rate.

Here are two sample podcasts from the current edition that will be a good example of what's to come. The first includes our President, Laura McMillan. We are excited to offer these to you and hope you find them useful. Click on the titles below:

From Isolation to Insight: The Value of Joining a Professional Association

Quote-to-Cash: The Hidden Engine of Business Success

CREDIT CONGRESS 2026 Registration is NOW OPEN!

New Access Codes Coming Your Way

We’re making an important update to how you access the NACM Core System.

Some of you log in regularly to look up collections or participate in Industry Groups, while others rarely use it. In the months ahead, we’ll be adding more members-only resources—and eventually everyone will want to log in.

What’s Changing

• We’re moving from shared logins to individual user accounts.
• Your current team access code will be retired.
• Each team member will receive their own unique access code.

Why It’s Changing

• Stronger security for member data.
• A more personalized experience for each user.
• Better support for new members-only resources.

What to Expect

• You’ll receive your new access code along with easy-to-follow instructions.
• If you need help, clear support contacts will be provided.
• New codes will roll out gradually—everyone will have theirs by January 2026.

We expect the transition to go smoothly, and once complete, you’ll have more secure and seamless access to NACM’s resources. Stay tuned for updates—and thank you for helping us take this important step forward!

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