The adviser's resource library
100 practical guides to help you advise clients on cashflow and credit, refer with confidence, and grow your advisory practice — search or filter by topic.
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- Advising Clients
Helping A Client With Overdue Invoices
How advisers steer clients through overdue invoices without damaging the underlying trading relationship.
6 min - Advising Clients
When To Advise A Client To Use A Collector
The practical signals that tell an adviser a client's debt is ready for professional recovery.
6 min - Advising Clients
Spotting Cashflow Trouble In Client Accounts
Early-warning indicators in a client's accounts that point to mounting cashflow and debtor risk.
7 min - Advising Clients
Advising Clients On Payment Terms
How to help clients set payment terms that get them paid faster without losing good customers.
6 min - Advising Clients
Helping Clients Set Credit Policies
Guiding clients to build a simple, consistent credit policy that controls debtor risk from the outset.
7 min - Advising Clients
Advising On Bad Debt Write-Offs
Helping clients decide when to write off a debt — and when pursuing it still makes commercial sense.
6 min - Advising Clients
Talking To Clients About Late Payment
How to discuss chronic late payment with clients in a way that drives action rather than anxiety.
5 min - Advising Clients
Helping A Client Improve DSO
Practical levers advisers can use to help clients lower Days Sales Outstanding and free up cash.
7 min - Advising Clients
Advising Clients On Deposits
When and how to advise clients to take deposits to cut debtor risk before work starts.
5 min - Advising Clients
When A Client's Customer Goes Insolvent
Steps to guide a client through when one of their customers becomes insolvent or enters administration.
7 min - Advising Clients
Helping Clients Prevent Disputes
Practical ways advisers help clients head off invoice disputes before they delay or block payment.
6 min - Advising Clients
Advising On Terms Of Trade
What advisers should look for in a client's terms of trade to reduce risk and support recovery.
7 min - Advising Clients
Helping Clients With A Debtor Ledger Review
How to run a structured debtor ledger review that surfaces risk and prompts timely action.
7 min - Advising Clients
Advising Clients On Credit Checks
Guiding clients on when and how to credit check new customers before extending trade credit.
6 min - Advising Clients
Helping Clients Claim Interest
How advisers help clients charge interest on overdue accounts properly and put it to good use.
6 min - Advising Clients
Advising On Personal Guarantees
When to advise clients to seek a personal guarantee and how it strengthens their recovery position.
6 min - Advising Clients
Helping Clients With Hardship Requests
How to help clients respond to customer hardship requests in a way that still recovers the debt.
6 min - Advising Clients
Advising Clients During A Downturn
How advisers help clients protect cashflow and manage debtor risk through an economic downturn.
7 min - Advising Clients
Helping Clients Choose Payment Methods
How payment method choices affect a client's cashflow, and how to help them reduce friction.
5 min - Advising Clients
Year-End Debtor Ledger Cleanup
A year-end routine for cleaning up the debtor ledger, recovering cash and tidying the accounts.
6 min - Cashflow & Credit
The Adviser Guide to Cashflow
A practical orientation to client cashflow for accountants, bookkeepers and brokers.
6 min read - Cashflow & Credit
Working Capital and Receivables
How trade receivables drive working capital, and what advisers can do about it.
6 min read - Cashflow & Credit
The Cash Conversion Cycle
Reading the cash conversion cycle to diagnose where a client's cash is trapped.
6 min read - Cashflow & Credit
Reading an Aged Receivables Report
How to interpret an aged debtors report and spot the accounts that need action.
6 min read - Cashflow & Credit
Credit Risk for Small Business Clients
Framing and managing the credit risk small business clients take on every sale.
6 min read - Cashflow & Credit
Building a Client Credit Policy
A template approach to helping clients write a credit policy that actually gets used.
6 min read - Cashflow & Credit
Debtor Days and What They Mean
Calculating debtor days and reading them as a measure of collection health.
5 min read - Cashflow & Credit
Cashflow Forecasting for Clients
Building and maintaining a practical short-term cash forecast for clients.
6 min read - Cashflow & Credit
The Cost of Late Payment to Clients
Putting a real number on what late-paying customers cost a client's business.
6 min read - Cashflow & Credit
Provisioning for Doubtful Debts
How and why to provision for doubtful debts, and what it signals about collection.
6 min read - Cashflow & Credit
Invoice Finance vs Recovery
Comparing invoice finance and debt recovery so advisers can guide clients correctly.
6 min read - Cashflow & Credit
Trade Credit Insurance for Clients
What trade credit insurance covers, its limits, and how it sits alongside recovery.
6 min read - Cashflow & Credit
Managing Customer Concentration Risk
Identifying and reducing the risk of a client depending on one large customer.
6 min read - Cashflow & Credit
Seasonal Cashflow Management
Helping seasonal clients bridge the gap between uneven income and steady costs.
6 min read - Cashflow & Credit
Early Warning Metrics for Clients
The receivables metrics that warn of cashflow trouble before it becomes a crisis.
6 min read - Cashflow & Credit
The Link Between Credit and Growth
Why rapid growth strains cash, and how credit discipline keeps expansion safe.
6 min read - Cashflow & Credit
Helping Clients Fund Growth
Funding client growth from internal cash before reaching for external finance.
6 min read - Cashflow & Credit
Stress Testing a Client Debtor Book
A practical way to test how a client's cashflow holds up if receivables falter.
6 min read - Cashflow & Credit
KPIs for Receivables Health
The handful of KPIs that tell a client whether their receivables are healthy.
6 min read - Cashflow & Credit
When Cashflow Problems Signal Insolvency
Spotting when client cashflow strain points to insolvency rather than a rough patch.
6 min read - The Partnership
How the Merion Partner Programme Works
A plain-English overview of how advisers refer debts to Merion and what happens next.
6 min read - The Partnership
When to Refer a Client's Debt
Practical signs that a client's overdue commercial account is ready to refer to Merion.
6 min read - The Partnership
What Information Merion Needs
The core details to gather before referring a client's overdue commercial debt to Merion.
5 min read - The Partnership
The Commission-Only Model Explained
How Merion's no-recovery-no-fee model works and why it suits cautious clients.
6 min read - The Partnership
How Referrals Protect Client Relationships
Why referring debt recovery preserves, rather than risks, your client relationships.
6 min read - The Partnership
Tracking Referred Debts
How advisers stay informed on the progress of debts they have referred to Merion.
5 min read - The Partnership
What Clients Can Expect After Referral
A realistic guide to the client experience once a debt is referred to Merion.
6 min read - The Partnership
Co-Branding Options
How co-branding can let advisers offer recovery as part of their own service.
5 min read - The Partnership
Becoming a Merion Referral Partner
A straightforward guide to becoming a Merion referral partner and getting started.
5 min read - The Partnership
Partner FAQs
Answers to the questions advisers most often ask about Merion's Partner Programme.
6 min read - The Partnership
How Merion Handles Your Clients
How Merion looks after the clients advisers refer, professionally and respectfully.
6 min read - The Partnership
The Free Debt Appraisal Explained
What Merion's free debt appraisal is and how advisers can use it before referring.
5 min read - The Partnership
Referring a Batch of Client Debts
How advisers can refer several overdue commercial debts to Merion at once.
5 min read - The Partnership
Partner Reporting and Visibility
How Merion keeps referring partners visible on the progress of their matters.
5 min read - The Partnership
How Partners Work with Merion
A picture of the day-to-day working relationship between partners and Merion.
6 min read - The Partnership
Confidentiality and Your Clients
How client confidentiality is respected when an adviser refers a debt to Merion.
6 min read - The Partnership
Integrating Referrals into Your Workflow
Practical ways to make referring overdue debts a seamless part of your routine.
6 min read - The Partnership
When Not to Refer a Debt
Situations where referring a debt may not be the right move, and what to do instead.
6 min read - The Partnership
The Partner Onboarding Process
What to expect when getting set up as a Merion referral partner.
5 min read - The Partnership
Supporting Your Client Through Recovery
How advisers can support their clients while Merion handles the recovery.
6 min read - Grow Your Practice
Adding Advisory Value With Credit Services
How advisers fold credit and collections guidance into existing client work.
6 min read - Grow Your Practice
Debt and Cashflow as an Advisory Line
Turning cashflow and debt help into a named, repeatable advisory line.
6 min read - Grow Your Practice
Retaining Clients With Proactive Advice
How proactive cashflow advice lifts client retention and loyalty.
5 min read - Grow Your Practice
The Trusted Adviser and Cashflow
Why cashflow is where advisers earn genuine trusted-adviser standing.
6 min read - Grow Your Practice
Packaging Receivables Advisory
How to package receivables advice into a clear, bounded client offer.
6 min read - Grow Your Practice
Talking to Clients About Money Problems
How to raise difficult money problems with clients tactfully and usefully.
6 min read - Grow Your Practice
Building a Credit Health Check Service
How to design a repeatable credit health check engagement for clients.
6 min read - Grow Your Practice
Referral Partnerships as a Revenue Stream
How referral partnerships extend your services and add a revenue stream.
6 min read - Grow Your Practice
Positioning Yourself as a Cashflow Expert
How to position your practice as the go-to cashflow expert locally.
5 min read - Grow Your Practice
Client Conversations That Add Value
How to run client conversations that surface real, billable value.
6 min read - Grow Your Practice
Turning Compliance Work Into Advisory
How to convert routine compliance work into higher-value advisory.
6 min read - Grow Your Practice
Helping Clients Survive and Thrive
How cashflow advice helps clients through downturns and into growth.
6 min read - Grow Your Practice
The Business Case for Receivables Advisory
The practice-side business case for offering receivables advisory.
6 min read - Grow Your Practice
Marketing Cashflow Services to Clients
Practical ways to market your cashflow services to existing clients.
6 min read - Grow Your Practice
Cross-Referrals and Your Network
How to build a professional network that sends work both ways.
6 min read - Grow Your Practice
Measuring Advisory Impact
How to measure and demonstrate the impact of your advisory work.
6 min read - Grow Your Practice
Scaling Your Advisory Offering
How to scale advisory beyond your own hours with systems and partners.
6 min read - Grow Your Practice
Tools Every Adviser Should Recommend
The practical tools advisers should put in clients' hands.
5 min read - Grow Your Practice
Building Recurring Advisory Revenue
How to turn one-off advisory work into recurring practice revenue.
6 min read - Grow Your Practice
The Future of Advisory Services
Why advisory is the future of the profession and how to prepare.
6 min read - Recovery Explained
Debt Recovery Basics for Advisers
What commercial debt recovery is, how it differs from collections, and where advisers fit in.
6 min read - Recovery Explained
The Commercial Recovery Process
The usual stages a referred commercial debt moves through, from contact to resolution.
7 min read - Recovery Explained
Letters of Demand Explained
What a letter of demand is, what belongs in it, and why tone and accuracy matter.
6 min read - Recovery Explained
When Recovery Goes Legal
How and when a recovery matter may move toward legal action, and what that involves.
7 min read - Recovery Explained
Statutory Demands for Advisers
What a statutory demand is, when it fits, and why advisers should treat it with care.
7 min read - Recovery Explained
What Affects Recovery Success
The main factors that influence whether a commercial debt is recovered.
6 min read - Recovery Explained
The Role of Documentation
Why documentation underpins recovery, and what records make a debt easier to collect.
6 min read - Recovery Explained
Security and the PPSR for Advisers
What it means to hold security over a debt, and why registration can matter in recovery.
7 min read - Recovery Explained
Guarantees and Recovery
What a personal guarantee is, how it supports recovery, and why the wording matters.
6 min read - Recovery Explained
Insolvency and Creditor Options
What insolvency means for creditors and how it changes the recovery picture.
7 min read - Recovery Explained
Statute of Limitations Basics
Why debts have time limits for action, and why old debts need careful handling.
6 min read - Recovery Explained
Disputed Debts and Recovery
How disputes affect recovery, and how to tell a genuine dispute from a stalling tactic.
6 min read - Recovery Explained
Interest and Costs in Recovery
When interest and recovery costs can be added to a debt, and why the terms decide.
6 min read - Recovery Explained
The Economics of Recovery
How to weigh the cost, effort, and likely return of pursuing a commercial debt.
6 min read - Recovery Explained
Recovery vs Litigation
How non-litigated recovery differs from going to court, and when each suits a debt.
6 min read - Recovery Explained
International Debt Recovery Basics
Why cross-border debts are harder to recover, and what changes when a debtor is overseas.
6 min read - Recovery Explained
Recovery and the Tax Position
How unpaid debts and their recovery may touch a client's tax position, in general terms.
6 min read - Recovery Explained
What Merion Can and Cannot Do
A plain account of Merion's role in commercial recovery and its clear boundaries.
6 min read - Recovery Explained
Recovery Timelines Explained
What influences how long a commercial recovery takes, and why estimates vary.
6 min read - Recovery Explained
Signs a Debt Is Worth Pursuing
Practical signs that a commercial debt is worth pursuing, and red flags that it may not be.
6 min read
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