We are problem solvers – Here’s how we can help you.

Terms of Trade

and associated forms and contracts

Protect your legal rights, spell out your customer’s legal obligations and eliminate disputes.


Protect your cashflow. Identify and avoid businesses with a bad credit history.


Protect your retention of title rights. Become a secured creditor in a customer insolvency.


For the slow payers who have become problem debtors.


You’ll work one-on-one with our director and key staff from start to finish, not a sales person who doesn’t understand what it’s like to own a business.


When you’re introducing new documents into your business you want it to be as straightforward and stress-free as possible. We will work with you and your team to ensure all your customers receive a copy of your new terms and conditions and formally accept them so you are fully protected as quickly as possible.


We don’t just give you new documents and leave it at that. We will help you implement practical credit systems and processes that will minimise your risk and protect your business from slow payers, bad debt, and warranty/liability issues.

I became interested in helping businesses protect themselves from bad payers after my personal experience running a retail business 30 years ago.

This sparked my 25 year long journey into the business risk management sector. I’ve been running Ledger Guard for almost 15 years and am passionate about helping small and medium sized businesses avoid my mistakes and never feel the stress, frustration and annoyance of having to chase unpaid invoices.

Industries We Specialise In

What our clients say

Ledger Guard provided us with Terms and Conditions that were appropriate and relevant to our business.

The implementation of these terms and conditions has been crucial in ensuring that we had sufficient documentation to ensure that we were able to receive monies owed to us.

Not only did Larry and Geraldine provide us with the terms and conditions but once action was required they handled all communication with the debtor. I would have no hesitation in recommending Ledger Guard for the preparation of any businesses terms and conditions and also for the debt recovery services.

Credit Risk Management Advice

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