Plays for advisers who protect their clients' cashflow
100 step-by-step plays — spot debt risk in client books, set up prevention, refer recovery to Merion, run the client conversation, and grow your practice with cashflow advisory. Search or filter.
- Early Warning
Reading the first signs of cashflow strain in a client
A first-pass play for spotting cashflow strain before a client admits to it.
6 min read - Early Warning
Reading an aged receivables report like a risk map
How to read a client's aged receivables report as an early-warning tool.
7 min read - Early Warning
Spotting a debtor in trouble in your client's books
How to spot, inside your client's ledger, a customer who is sliding into trouble.
6 min read - Early Warning
When your client starts paying their own suppliers late
Why a client paying suppliers late is an early signal of cash strain, and how to act.
6 min read - Early Warning
Tracking a declining bank balance as an early signal
Using the trend in a client's bank balance as a simple, honest early-warning gauge.
5 min read - Early Warning
When a client is leaning ever harder on credit
Reading a client's reliance on overdrafts and cards as a cash-strain warning sign.
6 min read - Early Warning
Reading an overdue tax debt as a priority-creditor signal
Why a building tax debt is a strong early-warning sign and how to respond.
6 min read - Early Warning
Reading stress signals from the people running the business
How shifts in director behaviour and communication flag trouble before the numbers do.
5 min read - Early Warning
Telling a seasonal dip apart from a structural decline
How to tell a normal seasonal cash dip from a structural problem hiding behind it.
6 min read - Early Warning
When a client loses a major customer
Reading customer-concentration risk so a client is not hollowed out by one loss.
6 min read - Early Warning
Spotting the cashflow trap inside rapid growth
Why rapid growth can drain a client's cash, and how to spot the trap early.
6 min read - Early Warning
When a client keeps putting off chasing their debtors
Why a client's reluctance to chase debtors is itself an early-warning signal.
5 min read - Early Warning
Reading slow stock turn as trapped cash
Why slowing inventory turnover signals cash strain, and how to act on it.
6 min read - Early Warning
Catching margin erosion before it drains the cash
How to spot gradual margin erosion before it hollows out a client's cashflow.
6 min read - Early Warning
When a client keeps refinancing to stay afloat
Reading a pattern of repeated refinancing as a sign a client is buying time.
6 min read - Early Warning
When a key supplier puts your client on stop-credit
Why a supplier withdrawing credit is a sharp external warning, and how to respond.
6 min read - Early Warning
Reading BAS payment struggles as a cashflow tell
Why difficulty funding the BAS is a clear early-warning sign of cash strain.
6 min read - Early Warning
When making payroll becomes a monthly scramble
Why difficulty meeting payroll is a late but serious cashflow warning sign.
6 min read - Early Warning
Reading related-party loans as a propped-up business
Why growing related-party loans can signal a business that cannot fund itself.
6 min read - Early Warning
Acting on the bad-debt flags your own review throws up
Turning the doubtful-debt flags from your review work into prompt recovery action.
6 min read - Prevention & Setup
Set up a client credit policy
Help a client put a written credit policy in place so credit decisions are consistent, not ad hoc.
7 min read - Prevention & Setup
Review a client's terms of trade
Review a client's terms of trade so they actually support payment and recovery.
8 min read - Prevention & Setup
Run a credit check on a new customer
Help a client check a prospective customer's identity and credit before granting terms.
6 min read - Prevention & Setup
Set sensible credit limits
Help a client set and enforce per-customer credit limits so exposure stays deliberate.
6 min read - Prevention & Setup
Use the PPSR to protect client supply
Introduce a client to PPSR registration so credit supply is backed by a registered interest.
8 min read - Prevention & Setup
Set up personal guarantees
Help a client decide when to take a director's personal guarantee on company accounts.
7 min read - Prevention & Setup
Use deposits and progress billing
Help a client bill with deposits and progress claims so cash arrives during the job, not after.
6 min read - Prevention & Setup
Tighten a client's payment terms
Help a client shorten and clarify payment terms so cash comes in sooner and on schedule.
6 min read - Prevention & Setup
Get client invoicing right
Help a client raise clear, prompt, correct invoices so fewer payments stall on technicalities.
6 min read - Prevention & Setup
Automate payment reminders
Help a client automate invoice reminders so follow-up is consistent, not dependent on memory.
6 min read - Prevention & Setup
Build a customer onboarding check
Help a client build one onboarding routine so every new credit customer is set up properly.
6 min read - Prevention & Setup
Coach the director-guarantee conversation
Coach a client to ask for a director's guarantee confidently and at the right moment.
5 min read - Prevention & Setup
Add retention-of-title to client terms
Help a client add retention-of-title terms so it keeps ownership of goods until paid.
7 min read - Prevention & Setup
Introduce trade credit insurance
Introduce a client to trade credit insurance as one option for large or concentrated exposure.
6 min read - Prevention & Setup
Set up an accounts-receivable process
Help a client build a repeatable AR routine so getting paid becomes a managed discipline.
7 min read - Prevention & Setup
Design a dunning cadence
Help a client design a step-by-step overdue-account cadence from first reminder to referral.
6 min read - Prevention & Setup
Reduce a client's days-sales-outstanding
Help a client measure and lower DSO so cash arrives faster and exposure shrinks.
7 min read - Prevention & Setup
Provision for bad debts sensibly
Help a client provision for doubtful debts and write off realistically, on evidence not hope.
6 min read - Prevention & Setup
Build a credit application form
Help a client build one credit application that captures identity, terms and security up front.
7 min read - Prevention & Setup
Run a quarterly debt review
Set up a quarterly debtor-book review so credit risk is examined and acted on regularly.
6 min read - Referral & Recovery
When to refer a client's debt
Recognise the signals that a client's overdue debt is ready to refer to Merion.
6 min - Referral & Recovery
How a debt referral works
A plain-English walkthrough of what happens once you refer a debt to Merion.
6 min - Referral & Recovery
What Merion needs to start
The exact information and documents Merion needs to begin recovering a referred debt.
5 min - Referral & Recovery
Commission-only, explained
How Merion's commission-only, no-recovery-no-fee model works and why it lowers client risk.
5 min - Referral & Recovery
Preparing a client for recovery
How to brief a client before referral so they feel informed, calm and in control.
6 min - Referral & Recovery
Referring a disputed debt
What to do when a debtor disputes the debt, and how Merion approaches contested matters.
6 min - Referral & Recovery
Referring an old debt
Whether an aged invoice is worth referring, and how Merion approaches older debts.
6 min - Referral & Recovery
Referring a commercial debt
How to refer a business-to-business debt and what makes commercial recovery distinct.
6 min - Referral & Recovery
Referring multiple debts
How to refer several overdue accounts at once and keep the batch organised.
5 min - Referral & Recovery
What happens after referral
The sequence of events after you submit a referral, from review to outcome.
5 min - Referral & Recovery
Tracking a referred debt
How to keep visibility on a referred debt and update your client with confidence.
5 min - Referral & Recovery
Referral and confidentiality
How client and debtor information is kept confidential throughout the referral process.
5 min - Referral & Recovery
Refer or write off?
A clear way to weigh referring an overdue debt against writing it off.
6 min - Referral & Recovery
Refer or go legal?
Why a recovery referral is usually a sensible step before considering legal action.
6 min - Referral & Recovery
Partner portal walkthrough
What partner tools offer for submitting and tracking referrals more efficiently.
5 min - Referral & Recovery
Getting clients paid faster
How prompt referral helps clients convert overdue invoices into cash more quickly.
5 min - Referral & Recovery
Handling client objections
Practical responses to the most common client objections about referring a debt.
6 min - Referral & Recovery
Framing referral as a win
How to frame a debt referral as a proactive win rather than an admission of failure.
5 min - Referral & Recovery
Following up after recovery
How to follow up after a successful recovery to deepen trust and prevent repeat debt.
5 min - Referral & Recovery
Building referral into your workflow
How to embed debt referral into your regular processes so nothing slips through.
6 min - Client Conversations
Raising debt with a client
How to raise an unpaid-debt issue with a client for the first time without putting them on the defensive.
6 min - Client Conversations
The cashflow conversation
How to help a client understand and act on a cashflow gap driven by slow-paying customers.
7 min - Client Conversations
Suggesting credit-control changes
How to recommend better credit-control habits to a client without implying they've been doing it wrong.
7 min - Client Conversations
Recommending recovery without alarm
How to recommend professional debt recovery to a client as a routine step rather than a panic move.
6 min - Client Conversations
Talking about a specific overdue debt
How to walk a client through a single overdue debt and agree what to do about it.
6 min - Client Conversations
The terms-of-trade talk
How to help a client strengthen their terms of trade so future debts are easier to prevent and recover.
7 min - Client Conversations
Discussing a personal guarantee
How to help a client understand personal guarantees and use them appropriately in credit decisions.
7 min - Client Conversations
The write-off conversation
How to help a client decide whether to write off a debt or pursue it before giving up.
6 min - Client Conversations
Helping a stressed client
How to support a client who is stressed about debt and help them move from panic to a plan.
6 min - Client Conversations
The prevention pitch
How to convince a client to invest in prevention so fewer debts go bad in the first place.
6 min - Client Conversations
Explaining DSO to a client
How to explain days sales outstanding to a client and use it to drive better collection habits.
6 min - Client Conversations
The quarterly review meeting
How to build debt and cashflow into a quarterly client review so problems surface early.
6 min - Client Conversations
Talking about bad-debt risk
How to help a client see and manage their exposure to bad debt across the whole customer book.
7 min - Client Conversations
Recommending debtor finance
How to explain debtor finance to a client as one option for unlocking cash tied up in invoices.
7 min - Client Conversations
The hardship empathy talk
How to help a client respond to a customer in genuine hardship while still protecting their own position.
6 min - Client Conversations
Discussing client-customer disputes
How to help a client separate a genuine dispute from non-payment and resolve it before escalating.
6 min - Client Conversations
The stop-supply conversation
How to help a client decide whether and how to stop supplying a customer who isn't paying.
6 min - Client Conversations
Framing debt as a system problem
How to shift a client from blaming individual customers to fixing the system that lets debt recur.
6 min - Client Conversations
The annual credit health check
How to run an annual review of a client's overall credit health and turn findings into priorities.
7 min - Client Conversations
Turning advice into action
How to convert credit and debt advice into action a client will actually follow through on.
6 min - Practice Growth
Add debt advisory to your services
Build a debt advisory service line that deepens client relationships and opens recurring revenue.
9 min read - Practice Growth
Position yourself as the cashflow expert
Claim cashflow as a named expertise so clients turn to you first when money is tight.
8 min read - Practice Growth
Offer debt recovery as a value-add
Add referral-based recovery so you solve clients' worst debts without becoming a collections firm.
8 min read - Practice Growth
Build a credit health service
Productise credit terms, limits and monitoring into a defined credit health service clients buy.
9 min read - Practice Growth
Package a cashflow review
Sell cashflow analysis as a fixed-scope review that becomes the gateway to deeper advisory work.
8 min read - Practice Growth
Build recurring revenue from advisory
Turn one-off advice into a subscription rhythm so advisory becomes dependable, growing income.
9 min read - Practice Growth
Differentiate with debt help
Stand out from generalist firms by being the practice that actually helps clients get paid.
8 min read - Practice Growth
Improve client retention via cashflow
Use proactive cashflow and debt support to make your practice indispensable and reduce churn.
8 min read - Practice Growth
Cross-sell credit services to clients
Grow revenue from existing clients by extending into credit, debtor and recovery services.
8 min read - Practice Growth
Run a debtor-day workshop
Host a getting-paid-faster workshop to generate leads and showcase your debt expertise at scale.
9 min read - Practice Growth
Market your cashflow expertise
Publish useful cashflow and debt insight to turn quiet competence into client-attracting authority.
8 min read - Practice Growth
Partner with a recovery firm
Build a recovery-firm referral relationship to offer clients a real route to collect what they're owed.
9 min read - Practice Growth
Measure your advisory impact
Track advisory outcomes to prove value, justify fees and continuously sharpen your service.
8 min read - Practice Growth
Frame client success stories
Turn cashflow and recovery wins into ethical success stories that win and retain clients.
8 min read - Practice Growth
Build referral partnerships
Build a network of complementary professionals and a recovery partner that grows clients both ways.
9 min read - Practice Growth
Productise credit-control help
Package ad-hoc payment chasing into a repeatable credit-control product clients can buy.
8 min read - Practice Growth
Win clients with cashflow clinics
Offer short cashflow clinics as a low-friction way to win clients and surface advisory work.
8 min read - Practice Growth
Price your debt-help advisory
Price cashflow and debt advisory on value, not hours, with certainty clients can say yes to.
9 min read - Practice Growth
Scale your advisory offering
Grow advisory beyond your own capacity by systemising delivery, building team and using partners.
9 min read - Practice Growth
The cashflow conversation funnel
Design a journey from one cashflow conversation to review, advisory and recovery — growth by design.
9 min read
No plays match. Try a different keyword or clear the filter.
Protect your clients, grow your practice
Commission-only recovery your clients can trust — you stay the trusted adviser.