TL;DR: A 15-item credit control checklist for AU and NZ small businesses, organised into the three phases: before sending the invoice, while waiting for payment, and if they do not pay. Tick what you already do, see your score, and use the recommendations to fix the gaps.
Why credit control matters more than chasing
The instinct is to focus credit control on chasing late payments. But the data shows the bigger lever is what happens before the invoice goes out. Businesses with clear written payment terms, verified contact details, and scheduled reminders have days-sales-outstanding (DSO) typically 10 to 15 days shorter than businesses without — without ever having to chase.
Chasing is the last 20%. The first 80% is process.
When invoice finance fits
Even with perfect credit control, some customers pay slowly. Invoice finance covers that gap directly: you get paid for the work as soon as you invoice, FundTap collects when the customer pays, and your customer relationship stays exactly as before. See how invoice finance works.
