The referral process, step by step

From referral to recovery

1. 1

   You refer the debt

   Complete the online referral form with the basic details — your name and contact, your client's business name, the debtor, and the approximate outstanding amount. It takes around two minutes.

   Once submitted, you receive a secure portal link by email. Sign in to finalise the referral, track progress, and communicate with the Merion team directly.

2. 2

   Merion assesses the account

   A recovery specialist reviews the debt — the amount, age, debtor type, and supporting documentation. We will contact you promptly if we need further detail.

   If the account is suitable for recovery, we proceed immediately. If it is not — for example, if the debt is statute-barred or the debtor is insolvent — we tell you honestly, and there is no charge.

3. 3

   Recovery on commission-only

   Merion contacts the debtor and pursues recovery through correspondence, negotiation, and — where required — escalation to pre-legal action. All contact is conducted in full compliance with the ACCC/ASIC Debt Collection Guideline and applicable state regulations.

   There is no fee at this stage. Commission applies only if funds are recovered.

4. 4

   Your client stays informed

   Throughout recovery, your client receives regular updates from their named Merion contact. Every action, response, and milestone is documented in the client portal.

   You, as the referring partner, can also track the referral's status in the portal at any time.

5. 5

   Funds recovered, commission deducted

   When the debtor pays, Merion remits the recovered amount to your client less our commission. A full statement of account is provided. No recovery means no fee — at any point.

How the fee structure works

Merion is paid only from recovered funds. If a debt is not recovered, there is no fee — for your client or for you. Commission is calculated as a percentage of the amount recovered. The exact rate depends on the age, size, and complexity of the debt; we provide this in writing before any recovery commences, so there are no surprises.

For a detailed estimate before committing, your client can request a free debt appraisal on the main Merion website. This provides an honest assessment of recoverability and the all-in cost in writing, with no obligation to proceed.