COMMERCIAL RECEIVABLES & CREDIT MANAGEMENT
Paid Up helps Australian businesses identify where cash is getting stuck, improve credit control and take structured action on overdue commercial accounts.
Receivables Advisory · Credit Control · Commercial Recovery
Receivables overview
Illustrative example
TOTAL RECEIVABLES
$184,600
OVERDUE RECEIVABLES
$63,400
OVERDUE AGEING
Example figures only
Revenue isn’t cash until it gets paid.
Growing businesses can accumulate significant overdue receivables long before they develop the systems or internal resources needed to manage them effectively. Invoices age quietly. Follow-up becomes inconsistent. Payment promises aren’t tracked. Disputes are identified too late. Paid Up helps identify where that process is breaking down — and what should happen next.
CASH TIED UP
Revenue has been earned, but too much remains sitting unpaid.
INCONSISTENT FOLLOW-UP
Accounts are contacted irregularly or only once invoices have already aged significantly.
LIMITED VISIBILITY
An aged receivables report shows what is overdue, but not necessarily what needs attention first.
The Paid Up Receivables Audit
Find out where your cash is getting stuck — and which accounts need attention first.
Paid Up reviews your receivables position and current credit-control process and turns the findings into a prioritised action plan. This is designed to be practical rather than another report that sits unread in a folder.
Also includes commercial follow-up templates and a 30-minute implementation session.
Receivables Health Analysis
Review overdue exposure, ageing, DSO where data permits and key indicators.
Cash Recovery Priority List
Classify accounts: immediate action, escalate, structured follow-up, monitor or dispute review.
30-Day Action Plan
A practical sequence of actions for accounts and process issues requiring attention first.
Credit-Control Playbook
A structured framework for reminders, follow-up and escalation, with practical templates.
FOUNDING CLIENT PILOT
$295 + GST
Limited to the first five suitable businesses while Paid Up validates and refines the service.
Apply for the Pilot
The Paid Up Actionability Guarantee
If your completed audit doesn’t identify clear, actionable improvements to your receivables or credit-control process, we’ll refund the audit fee.
The guarantee relates to the usefulness of the audit and does not constitute a guarantee that any particular debt will be recovered.
WHAT WE DO
From prevention to recovery.
Paid Up takes a broader view of receivables management. The objective isn’t simply to collect old invoices — it’s to improve the process that allowed them to become old in the first place.
Receivables Advisory
Understand where cash is getting stuck.
Analyse receivables ageing, overdue exposure, debtor concentration, payment behaviour, disputes and collection processes.
Receivables Advisory →
Outsourced Credit Control
Bring structure to overdue account management.
Paid Up can manage agreed elements of commercial credit control, including scheduled follow-up, payment commitments, escalation and reporting.
Credit Control →
Commercial Debt Recovery
Structured recovery for appropriate overdue B2B accounts.
Where routine credit control has failed, Paid Up can undertake professional commercial recovery activity on behalf of the creditor.
Commercial Recovery →
THE PROCESS
A clearer path from invoice to cash.
01
Understand
Review ageing, exposure, payment history and the current process.
02
Prioritise
Identify the accounts and weaknesses requiring attention first.
03
Act
Build a structured 30-day action plan.
04
Escalate
Define the next step for unresolved commercial accounts.
05
Improve
Fix recurring credit-control weaknesses.
ABOUT PAID UP
Built from experience across the credit cycle.
Paid Up Advisory draws on banking experience in commercial lending, collections and litigation-related recovery, including managing overdue accounts and recovery activity on behalf of other businesses.
That background provides a practical understanding of how credit decisions, cash flow, documentation and payment behaviour interact — from the point credit is extended through to escalation and recovery.
Paid Up uses that experience to help clients identify receivables risk earlier, prioritise overdue accounts, improve credit-control processes and take structured action before debts become larger problems.
Paid Up Advisory is not a law firm and does not provide legal advice.
FAQ
Frequently asked questions.
What types of businesses does Paid Up work with?
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What is the Paid Up Receivables Audit?
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What do I receive from the audit?
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What information do you need?
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How is Paid Up different from a traditional debt collector?
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Can Paid Up manage our credit control for us?
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What happens if an invoice is disputed?
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Do you guarantee that debts will be recovered?
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How does commercial debt recovery pricing work?
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Does Paid Up receive payments from our customers?
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Does Paid Up collect consumer debts?
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Does Paid Up purchase debts?
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Can Paid Up take legal action against a debtor?
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Is the information we provide confidential?
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How do we get started?
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Find out what’s holding up your cash.
Tell us a little about your receivables position. You do not need to provide debtor information at this stage.
PAID UP ADVISORY · AUSTRALIAN COMMERCIAL RECEIVABLES
What happens next
1. We review your enquiry.
2. If the audit looks suitable, we contact you to confirm scope.
3. No debtor information is required until secure onboarding.
ILLUSTRATIVE EXAMPLE ONLY
Turn an ageing report into an action list.
Not every overdue account requires the same response. Paid Up prioritises accounts based on ageing, exposure, documentation, disputes and other relevant factors.
Account A
$42,000
74 days
Immediate Action
Contact and resolve payment commitment
Account B
$18,500
42 days
Escalate
Structured escalation
Account C
$9,200
31 days
Structured Follow-Up
Continue scheduled follow-up
Account D
$7,800
65 days
Dispute Review
Clarify dispute before collection activity