Get paid on time — every time
A free, sequenced learning programme for Australian SMEs and finance teams who want to build disciplined credit habits, reduce late payments, and know when to act.
Built for Australian business owners and finance teams
Whether you're invoicing for the first time or trying to reduce a growing debtors ledger, the Academy gives you the practical knowledge to take control of your receivables — before problems become debts.
Small & medium businesses
Owners who wear the finance hat and need clear, actionable guidance without the jargon.
Finance & accounts teams
Bookkeepers, credit controllers, and accounts receivable staff looking to sharpen their process.
Trade & services businesses
Builders, consultants, and service providers whose cash flow depends on getting invoices paid on time.
Sequenced lessons, practical outcomes
Each lesson builds on the last — from issuing your first invoice correctly through to understanding your legal rights when a debt can't be resolved without professional help. Work through the lessons in order, or jump to the topic most relevant to you right now.
Read the lesson
Each lesson is 600–1,000 words of substantive, practical content drawn from Merion's experience recovering commercial debt across Australia.
Apply the tools
Each lesson links to free calculators, templates, and guides from across the Merion estate — so you can act immediately.
Know when to escalate
The course culminates in a clear framework for deciding when to handle recovery yourself and when to bring in a professional.
Eight lessons — start to finish
From invoicing discipline to your legal rights — the full credit control journey.
Getting Paid on Time
Start lessonCredit Checks & Terms
Start lessonSpotting Trouble Early
Start lessonChasing Late Payments
Start lessonLetters of Demand
Start lessonWhen to Escalate
Start lessonRecovering Without Damaging Relationships
Start lessonYour Rights & Obligations
Start lessonCash-Flow Forecasting
Start lessonDeposits & Milestone Billing
Start lessonTrade References & Credit Checks
Start lessonTerms of Trade Clauses
Start lessonPPSR Basics
Start lessonDispute Handling
Start lessonDunning Cadence
Start lessonWhen to Use a Mercantile Agent
Start lessonBad-Debt Provisioning
Start lessonCredit Control KPIs
Start lessonCustomer Onboarding for Credit
Start lessonRecovering Across State Lines
Start lessonThe Lesson Library — 100 more lessons
Beyond the core course, explore a free, searchable library of 100 plain-English lessons spanning credit management, invoicing, collections, legal recovery and insolvency risk. Filter by topic or search for exactly what you need, right now.
Credit Management
Policies, limits, onboarding and risk — before you extend a dollar of credit.
Invoicing & Getting Paid
Invoices, terms, deposits and payment methods that get you paid faster.
Collections
Reminders, cadence, conversations and escalation that actually work.
Legal & Enforcement
Demands, courts, judgments and enforcement — explained in plain English.
Insolvency & Risk
Distress signals, hardship, bad debt and protecting your business.
Education from practitioners, not pundits
Merion Pty Limited (ACN 684 211 390) is an Australian commercial debt recovery firm. We recover overdue B2B invoices and trade accounts for businesses across Queensland, Victoria, New South Wales, and the ACT — on a commission-only basis.
The Academy is free because we believe that most late-payment problems are preventable. If you read the eight lessons and implement what you learn, you'll have far fewer debts to recover. And when one does slip through, you'll know exactly what to do — and when to call us.
Start Lesson 1 now
Getting paid on time begins with invoicing discipline — the first lesson takes you through the fundamentals in under ten minutes.