1300 784 999


Credit Consultancy

Knowing your customers is critical to the success of any business.

Each year Australian businesses write off billions of dollars in bad debt. With our help, even if you're not a fully fledged NCML client, you can put the processes in place and access the most up-to-date information about your customers to manage your business opportunities with reduced risk.

We offer a range of credit tools and one-off services that can give you the confidence to make informed decisions about your customers' ability to meet their payment obligations. These include:


We can offer training and workshop programmes that can assist your business with its collection processes and techniques prior to referring them to NCML for collection. These programmes cover an extensive range of topics relevant to the issues faced by debt collection staff and can be tailored to meet the specific requirements of your business. Topics include Negotiation, Basic Legal Process Overview, Communication and Negotiation, Advanced Negotiation and Dealing with Difficult Customers, Stress Management and Debt Collection Compliance.

The most important step for any business that provides commercial credit facilities to its customers is to have an application process that is clear to understand and thorough in its approach. The majority of unrecoverable debts can be traced back to a credit application that is insufficient or incomplete. Our credit application templates contain all the required fields necessary for you to make a fully informed decision about your customer prior to entering into a credit agreement. Used in conjunction with our credit scoring services, we are able to ensure that your business can proceed with confidence. Our credit applications are provided in both hard and soft copy formats, and can be customised to include your corporate branding.

Before granting credit to an individual or commercial entity, you need a clear understanding of their credit history. NCML's integrated credit scoring and information systems allow you to access leading-edge technology applications, enabling you to make accurate credit assessment decisions and mitigate the risk of incurring bad debt.

We can tailor an information systems package to assist you with searches relating to:

  • Bankruptcy
  • Australian Company & Business Names
  • Mortgage and Land Title documents
  • Company, Business & Individual credit checks
  • Directorships
  • Property Index searches
  • Court action / Judgment information
  • Electoral Roll / Australian Population Index searches
  • Australian Stock Exchange
  • International Credit Reports
  • Veda Advantage Reports

Reports can be purchased on a casual or subscription basis.


Our Guarantee, Indemnity and Security Agreement template is a legally binding document designed to be completed by Directors to guarantee payment of company debts. It provides another layer of protection for your business when dealing with new customers. Like our Credit Application and Terms of Trade templates, they are available in both hard and soft copy formats and can be branded to include your company logo.

The Personal Property Securities Act 2009 (PPSA) is the most extensive national legislative reform affecting Australian businesses since the introduction of the GST. Our PPS solutions are designed to ensure your business interests are protected through complete and practical advice on the transition, implementation and ongoing compliance with the PPSA.

Start out on the right path by setting clear trading terms with your clients. Our standard agreement templates are legal documents, written by lawyers, and are designed to protect your business from disputes about payment terms, delivery, defects, warranty and returns, risk, cancellation, limitation of liability, retention of title and the Personal Property Securities Act (2009). Documents are provided in both hard and soft copy formats. They can be branded to include your company logo and the terms customised to meet the specific requirements of your business.

With our experience in developing highly effective and compliant debtor communications, we have created a range of demand letter templates that you can use to improve your collection rates and minimise your exposure to the risk of non-paying accounts. Customise your own demand letters, print them in your office and send immediately to your customers in arrears to generate cash flow for your business.

When overdue accounts are left to run without a timely follow-up mechanism in place, customers can begin to question the seriousness of your payment terms, particularly if they have competing obligations whose demands are more forthright. NCML's collection labels can be an effective reminder to your customers that you are serious about your payment terms. Our labels come in a range of messages and colours and are sold in quantities of 250



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