Debt-Recovery &amp; Credit-Control Tools

Cost of Late Payment Calculator

Find out what your overdue receivables ledger is really costing — in finance charges and staff time.

Net Recovery Estimator

See exactly how much you keep after Merion's commission when a debt is recovered.

Recovery ROI Calculator

Is it worth referring this debt? Compare the net benefit against doing nothing.

Commission Estimator

Estimate Merion's likely commission rate and your net return based on debt age and face value.

GST Calculator

Add GST to an ex-GST price or extract the GST component from a GST-inclusive amount. Australian 10% rate.

Days Sales Outstanding (DSO) Calculator

Measure how quickly you collect from customers and benchmark your DSO against AU industry norms.

Late Payment Fee Calculator

Calculate penalty interest on overdue invoices — contracted or statutory rates for NSW, VIC, QLD & ACT.

Payment Plan Scheduler

Generate a full instalment schedule with due dates, interest (if applicable), and running balance.

Credit Limit Calculator

Get a suggested credit limit for a B2B customer based on payment history, tenure, and trade references.

Late Payment Interest Calculator

Calculate the interest accruing on an overdue invoice — simple or compound — from any start date.

Days Overdue Calculator

Enter an invoice date and payment terms to see exactly how many days overdue it is, and what to do next.

Debt Age Impact Calculator

See how the probability of recovering a debt falls month by month — and the cost of waiting.

Credit Terms Advisor

Answer five questions about your customer and get a tailored payment-terms recommendation.

Write-Off vs Recover Calculator

Compare the real financial outcome of writing off a debt versus engaging Merion to recover it.

Aged Receivables Analyser

Enter your ageing buckets and see total receivables, % overdue, at-risk balance, weighted average age and an estimated recoverable figure.

Bad Debt Provision Calculator

Estimate a provision for doubtful debts using ageing buckets and the provision-matrix method, under AASB 9 principles.

Cash Flow Gap Calculator

Work out the working-capital gap in your cash conversion cycle — the days and dollars tied up between paying suppliers and getting paid.

Credit Limit Suggester

Get a suggested credit limit for a B2B customer based on their spend, payment terms, trading history and payment record.

Credit Utilisation Calculator

Check whether a customer is using too much of their credit limit. See remaining headroom and a risk band.

Customer Credit Risk Scorecard

Score a B2B customer's credit risk from a few inputs and get a recommended action for terms and limits.

Debtor Concentration Risk Calculator

Measure how exposed your business is to its largest customers — the share of receivables in your top 1, 3 and 5 debtors.

DSO Cash Release Calculator

See how much cash you free up by cutting Days Sales Outstanding, plus the interest saved on your cost of funds.

Early Payment Discount Calculator

Work out the true annualised cost of a prompt-payment discount such as 2/10 net 30, and compare it to your cost of funds.

Invoice Financing Cost Calculator

Work out what invoice factoring or finance really costs — total fees, net received, and the effective annualised rate.

Payment Plan Affordability Calculator

Work out a realistic instalment plan for an overdue debt — how long it takes to clear, or the instalment needed by a set date.

Settlement Offer Calculator

Work out a sensible settlement range to accept on an overdue debt, based on age, debtor health, dispute and security.

Bad Debt Write-Off Tax Benefit Estimator

See what a write-off really returns — only the tax deduction's cash value — versus recovering the debt.

Debt Recovery Decision Tool

Answer a few questions about an overdue account and get a recommended next step — demand, refer, negotiate or write off.

Generators (4)

Letter of Demand Generator

Generate a professional letter of demand for an overdue commercial invoice in seconds — fill in the details and copy the letter.

Payment Terms & Credit Policy Generator

Generate recommended payment terms and a copy-paste terms-of-trade clause set — net days, deposits, interest and retention of title.

Payment Reminder Sequence Generator

Generate a full escalating series of reminder emails — friendly nudge, firm reminder and final notice — from your invoice details, ready to copy and send.

Payment Plan Agreement Generator

Turn an agreed instalment arrangement into a clear written confirmation letter — schedule worked out, missed-payment terms spelled out, ready to send.

Templates (9)

Letter of Demand Template

A professionally worded, ready-to-use letter of demand for overdue commercial invoices. Copy, customise, send.

Commercial Credit Application Template

A comprehensive credit application for B2B suppliers — captures the information you need before extending credit.

Payment Plan Template

A structured instalment agreement template for settling overdue balances by arrangement.

Overdue Account Statement Template

A formal, itemised overdue account statement to send before escalating to a letter of demand.

Director's Personal Guarantee Template

Make individual directors personally liable for their company's debt. A comprehensive personal guarantee template.

Final Notice Before Legal Action Template

A final formal notice to send before engaging a debt recovery agency or commencing legal proceedings.

Credit Application Checklist

A practical checklist of what to ask and check before extending credit to a new B2B customer.

Credit Terms Template (B2B Supplier)

A ready-to-use set of credit terms for Australian B2B suppliers — payment terms, interest, late fees, cost recovery and jurisdiction.

Debt Acknowledgement Letter Template

A debt acknowledgement letter for debtors to sign — acknowledges the debt and commits to a payment arrangement.

Guides (8)

How Commission-Only Recovery Pricing Works

A plain-English guide to commission-only debt recovery — what you pay, when you pay it, and why it works in your favour.

Reading a Debtor Ageing Report

How to read and act on an aged receivables report — the most important tool in credit management.

Setting Credit Terms That Get You Paid

What to include in B2B credit terms, how to get customers to sign, and the most common mistakes to avoid.

Statutory Interest on Overdue Invoices (Australia)

How statutory interest rates work on overdue invoices and court judgments in QLD, NSW, VIC, and ACT.

Credit Terms — A Guide for Australian Businesses

What credit terms are, how to set them, what to include, and how to make them enforceable.

How to Reduce Debtor Days

Practical steps Australian businesses can take to reduce debtor days and speed up cash collection.

Understanding Debt Recovery Costs in Australia

A clear breakdown of the costs of commercial recovery — DIY, commission-only agencies, solicitors and court fees.