Debt-Recovery & Credit-Control Tools
Eight free interactive calculators and three ready-to-use templates, built for Australian businesses. Calculate what late payment is costing you, model your net recovery, draft a letter of demand — all in seconds, all at no cost.
All tools
Cost of Late Payment Calculator
Find out what your overdue receivables ledger is really costing — in finance charges and staff time.
CalculatorNet Recovery Estimator
See exactly how much you keep after Merion's commission when a debt is recovered.
CalculatorRecovery ROI Calculator
Is it worth referring this debt? Compare the net benefit against doing nothing.
CalculatorLate Payment Interest Calculator
Calculate the interest accruing on an overdue invoice — simple or compound — from any start date.
CalculatorDays Overdue Calculator
Enter an invoice date and payment terms to see exactly how many days overdue it is, and what to do next.
CalculatorDebt Age Impact Calculator
See how the probability of recovering a debt falls month by month — and the cost of waiting.
CalculatorCredit Terms Advisor
Answer five questions about your customer and get a tailored payment-terms recommendation.
CalculatorWrite-Off vs Recover Calculator
Compare the real financial outcome of writing off a debt versus engaging Merion to recover it.
TemplateLetter of Demand Template
A professionally worded, ready-to-use letter of demand for overdue commercial invoices. Copy, customise, send.
TemplateCommercial Credit Application Template
A comprehensive credit application for B2B suppliers — captures the information you need before extending credit.
TemplatePayment Plan Template
A structured instalment agreement template for settling overdue balances by arrangement.
Free tools, real numbers
Every calculator on this site runs entirely in your browser — nothing you enter is stored or transmitted. The results are indicative estimates designed to help you understand the economics of debt recovery and credit management, not financial or legal advice.
The tools are published by Merion Pty Limited, a commission-only commercial debt recovery firm. When you're ready to act, refer a debt directly — you pay nothing unless Merion collects.
- Commission model
- No recovery, no fee — you pay a percentage of what is actually collected
- Coverage
- Queensland, Victoria, New South Wales, Australian Capital Territory
- Contact
- [email protected] · (08) 6325 5761
- ACN
- 684 211 390
Ready to recover what you're owed?
Refer a debt to Merion in minutes. Commission-only — no upfront cost, no lock-in, no risk if we don't collect.