Referring a commercial debt
Refer a business-to-business debt with the details that matter for commercial recovery.
What this play helps you do
- Understand what distinguishes commercial from consumer debt
- Gather the commercial-specific details Merion needs
- Protect the client's ongoing trading relationship where possible
- Set expectations for B2B recovery outcomes
- Refer the matter cleanly and confidently
6 min
When to run this
Run this play for any overdue business-to-business account — one company owing another. Commercial debt is Merion's core focus, and B2B matters often carry stronger documentation (terms of trade, purchase orders, signed agreements) that supports a professional recovery.
How it works
Commercial recovery differs from consumer collection. The parties are businesses, the amounts are often larger, and there is frequently an ongoing or future trading relationship to consider. Merion approaches B2B matters commercially: firm and professional, aiming to secure payment while preserving the client's reputation in their market.
What Merion needs
For a commercial debt, provide:
- The debtor's full business name and ABN.
- The signed agreement or terms of trade.
- Relevant purchase orders and the unpaid invoices.
- A statement of the amount owed, including contractual interest or charges.
- A short note of any contact and any acknowledgement of the debt.
This commercial paperwork helps Merion act decisively and pursue any interest or recovery costs the contract allows.
What to tell the client
Reassure the client that B2B recovery can be handled without burning bridges — many debtors clear the account and continue trading. Remind them it is commission-only and confidential, and that you remain their adviser. Submit through the refer a debt form when ready.
Key takeaways
- Commercial B2B debt is Merion's core focus.
- Strong terms of trade and POs support decisive recovery.
- A professional approach can preserve the trading relationship.
FAQ
Does Merion handle consumer debts too?
Merion specialises in commercial, business-to-business recovery. For a B2B account, that focus and approach are well suited to the matter.
Can interest and recovery costs be pursued?
Where the contract or terms of trade allow, Merion can pursue contractual interest and recovery costs alongside the principal. Good documentation makes this easier.
Will recovery harm a valuable trading relationship?
Not usually. Recovery is firm but professional, and many commercial relationships continue once the overdue account is cleared.
Run the play — we'll handle recovery
Commission-only recovery your clients can trust. No recovery, no fee.