Why B2B recovery needs a commercial mind, not just a collections one.
A commercial debtor is rarely having a bad week, they're usually making a cashflow decision about who to pay first. Your job as the creditor is to be the one they pay first. Our job is to make that the easy choice without burning the relationship.
Commercial tone, not retail
The language, cadence and escalation path are tuned to a business-to-business conversation, no consumer scripts, no retail cadence applied to a $120k trade debt.
Relationship-aware
Where the client wants the commercial relationship preserved, the tone and pacing of recovery is calibrated to that. Where they don't, we escalate fast.
Dispute triage
Most aged commercial debt has a dispute attached, real or imagined. We surface it fast, resolve what we can, and route what we can't to the legal track without losing the file.
In-house legal track
Letter of demand, statement of claim, default judgment, examinations, garnishee orders, bankruptcy petitions, all run in-house, not brokered out.
Insolvency-aware
Early indicators of director risk, illiquidity, or insolvency are surfaced quickly, so the file is restructured, preserved, or escalated before value erodes.
Procurement-friendly
Onboarding, data security, and reporting built to survive a procurement or risk review, we work with in-house legal, risk, and treasury functions routinely.
How the commercial desk runs a file, end to end.
A clean commercial recovery is a choreography of five or six steps, not a script. The same file manager runs it start to finish, so context never gets lost in a handover.
Onboarding & triage
Portfolio ingested, segmented by debtor profile, and sanity-checked for documentation sufficiency before the first contact goes out.
Pre-legal demand
Structured written demand with clear consequences and a clear pathway to resolve, giving the debtor a real chance to pay without escalating.
Commercial negotiation
Where the debtor engages, a negotiated payment plan or lump-sum settlement, often faster and cleaner for everyone than the legal track, and it preserves the commercial relationship where that matters.
Legal escalation
Letter of demand, statement of claim, default judgment where the debtor goes silent. Every step reviewed and approved with you first.
Enforcement
Judgment examinations, garnishee orders, charging orders, writs, bankruptcy petitions, whichever actually moves the file, deployed by us.
Settlement & remittance
Funds cleared into trust-segregated accounts, remitted weekly or monthly, reconciled line by line to the file that produced them.
Plausible ranges, not vanity numbers.
Every commercial book has a different debtor profile and legal appetite. These are the directional patterns we tend to see on live commercial and B2B engagements.
Clear your aged trade ledger.
Send us an aged-debtors list, or a single file you can't get past. We'll come back inside one business day with a pragmatic view on next steps.