Welcome to Within Terms Consulting

Formed by Gerald Barnes, Within Terms Consulting offers Customised Credit Management & Collection Solutions

Gerald Barnes

About Gerald

Gerald is a leading independent Credit Management Consultant with over thirty years experience in the Credit Management and Collections field.

During this time he has worked with small businesses, SME’s and large corporations across a wide variety of industries to improve their credit management and collection procedures.

Most recently Gerald spent over thirteen years with McGrathNicol, one of Australia’s leading corporate advisory firms, managing the collection of debtor books on major receiverships (including Commander Communications, ABC Learning and Hastie Services) as well as consulting to SME’s and major ASX listed companies, providing credit management solutions.

Prior to this he held a number of senior front line Credit Management positions including National Credit Manager at Morgan & Banks from 1996 to 2000. He also has extensive experience working in the Invoice Financing and Factoring industries providing advice to both financiers and their clients.

Gerald is a member of the Australian Institute of Credit Management.

Areas of Expertise

Gerald’s skill set is ideally suited to:

  • Assisting businesses in developing and implementing concise and easily understood credit management procedures (from taking on new clients to collecting aged debts).
  • Taking the pressure off time strapped business owners or senior management by running the Credit Management function on a consulting basis, working closely with existing credit and accounts receivable staff.
  • Identifying what your business needs in respect to resourcing the credit management function both in terms of staff and reporting requirements.
  • Mentoring junior credit staff to enable them to quickly gain the skills to control the debtors ledger.
  • Working with businesses who have an invoice financing or factoring facility in place and need to improve collections to maximise its use.
  • Developing customised outsourced credit management and collection solutions.

What we offer



Working with businesses as “part of the team” to improve collections is just part of what our Consulting services offer, find out more...


Collect Outs

Conducting industry best reviews to assess realisation rates of debtor books, and more...


Invoice Financing

Carrying out debtor verification exercises, and more...



Working with your team and our business partners, we offer cost effective outsourcing solutions...

Contact Gerald today - 0428 986 160