Commercial debt recovery. Customer-aware. Expert-led.
Commercial collections conducted by our specialist team and run on our proprietary, in-house platform. Native AI and escalation decisioning (beta) support extraction, drafting, analysis and reporting alongside our own workflow rules, controlled case access and recorded human decisions. Our team controls legal next-step decisions, and recommended legal escalation requires your approval. The majority of files are resolved through structured negotiation, without recourse to litigation.
What you get
- A dedicated case owner with conduct of the file from day one
- Professional, measured correspondence and customer treatment
- Settlement structuring and arrears arrangements where appropriate
- Co-ordinated escalation to legal partners with the client retaining decision rights
- Weekly status reporting and a single, accountable point of contact
- Real-time visibility of file status, activity, and outcomes through our secure client portal
Who it's for
- Lenders, fintechs, and specialty finance providers with arrears files
- SMEs and finance teams carrying material overdue commercial balances
- Heads of Collections seeking expert-led capacity on complex matters
- Finance teams that have exhausted internal escalation steps
- Professional advisors referring on behalf of their clients
When to instruct a commercial debt recovery partner
We are the next stage after your in-house team, not a replacement for it. Engage us when a balance passes your agreed threshold, a payment promise breaks, a payment plan fails, or internal chasing stops making meaningful progress.
A disputed balance or signs of financial distress call for a considered review, not an automatic escalation. We give you a candid view on whether to act now, hold, or take another approach.
One overdue balance or a whole portfolio
Refer the case
Send invoices, statements, contracts or agreements through the portal, by email, or in the format and by the method that suits your team. Check debtor contacts, the balance, any dispute and supporting context.
Agree the approach
Terms are agreed before we act. Once the mandate is accepted, a dedicated case owner handles correspondence, disputes, settlement discussions and appropriate next steps.
Follow the position
See case status, payments, legal progress and activity in the secure client portal. Reporting and a timestamped audit trail keep your team informed without reconstructing inboxes.
Fees, disputes and legal escalation
- How are recovery fees agreed?
Pre-legal recovery is on a contingency basis: no recovery, no fee. The rate is agreed before we start and charged on what we collect. Where the contract or the law allows, we add interest and recovery costs to the claim and pursue those too. If the debtor pays them, they cover some or all of our fee, so in many cases the Client has no outlay at all.
Legal steps are priced per step and agreed before anything is issued. Court fees and other disbursements are passed on at cost, with nothing added. Nothing escalates without your approval.
- Can interest and recovery costs offset your fee?
- Pre-legal recovery is on a contingency basis: no recovery, no fee. The rate is agreed before we start and charged on what we collect. Where the contract or the law allows, we add interest and recovery costs to the claim and pursue those too. If the debtor pays them, they cover some or all of our fee, so in many cases the Client has no outlay at all.
- What if the debtor disputes the balance?
- Tell us what is disputed and provide the relevant correspondence and supporting documents. Dispute handling forms part of the mandate, with a considered approach to settlement and escalation rather than treating every balance the same.
- Does instruction mean immediate legal action?
- No. Structured negotiation and appropriate arrangements are part of the recovery approach. Managed escalation, from letter before action through to CCJ, winding-up or bankruptcy, tracked in one view per case. These are alternative routes depending on suitability, not automatic successive steps. You retain approval of recommended legal escalation.
- Can I review relevant experience before instructing?
- Case material, references and anonymised outcomes are shared confidentially during a consultation, scoped to your questions. Client work is not published on this site.
Considering whether this is the right fit?
A short consultation is usually sufficient. We will give you a candid view on whether to engage now, later, or not at all.
Request a consultation