Commercial Debt Recovery for Wholesale Businesses
Recover unpaid wholesale invoices, trade credit debts, outstanding supply invoices and wholesale customer balances with an approach built around your orders, deliveries and account history.
Wholesale debts depend on the order, delivery and account trail
Customers may dispute shortages, returns, quality, pricing, rebates, credits or whether the correct branch or company placed the order. High invoice volumes can also make older balances difficult to reconcile.
We first confirm the customer, order, delivery, credits and invoice balance. That helps us separate genuine supply issues from ordinary non-payment.
Common debts we can assess
We review the documents behind the balance before deciding how the debt should be pursued.
Unpaid wholesale invoices
Trade invoices that remain unpaid after the agreed due date.
Trade credit debts
Aged balances owed under agreed business credit terms.
Outstanding supply invoices
Unpaid invoices for goods regularly supplied to commercial customers.
Wholesale customer debts
Outstanding balances owed by retailers, resellers or trade buyers.
Short-payment and deductions
Customers paying less than invoiced because of claims or internal deductions.
Returns and credit-note disputes
Arguments over returned, rejected or surplus goods.
Rebate and pricing disputes
Unpaid sums affected by discounts, rebates or agreed pricing.
Multiple-branch arrears
Aged balances spread across branches, stores or business units.
Repeat-order arrears
Customers continuing to order while older invoices remain unpaid.
What we look at before taking action
A clear evidence pack helps us understand the debt quickly and challenge common payment excuses.
A clear five-step recovery process
We keep the process focused: identify the debt, test the dispute, contact the debtor and escalate only where justified.
Confirm the customer
Check the correct buyer, branch and accounts-payable contact.
Confirm supply
Review the orders, deliveries, credits and invoice balance.
Check the dispute
Assess shortages, returns, pricing, rebates and deductions.
Pursue payment
Use focused telephone and written recovery action.
Escalate carefully
Consider formal demand, court or enforcement only where appropriate.
Choose the right recovery route
The best route depends on the order and delivery evidence, dispute status, customer solvency and value of the debt.
Commercial recovery action
Direct calls and written demands can resolve clear debts without immediate legal action.
Explore commercial debt recovery →Letter Before Action
A formal demand can set out the amount due, supporting basis and deadline for payment.
Read about Letters Before Action →County Court claim
Court action may be considered where the debt remains unpaid and the claim is proportionate.
Read about County Court claims →Statutory demand
Potentially suitable only for a clear, due and undisputed company debt.
Read about statutory demands →High Court enforcement
May be available after judgment where the debtor has not paid.
Read about High Court enforcement →Winding-up petition
A serious insolvency route that requires careful legal and commercial assessment.
Read about winding-up petitions →When a wholesale customer disputes invoices
Some customers raise broad shortage or pricing complaints only after the account becomes overdue. Others have a specific issue relating to delivery, returns, rebates or credits.
We identify what is actually disputed, compare it with the order and account records and determine whether the remaining balance is still clearly due.
Can interest and compensation be added?
Depending on the contract and circumstances, you may be entitled to contractual interest or statutory interest and fixed compensation.
We check the payment terms and due dates before including additional sums in a demand.
Frequently asked questions
Straight answers to the questions we are most often asked.
Yes, where the order, delivery and invoice balance are supported.
Potentially. We review the account, credits, payment history and any dispute.
Yes, where the goods were supplied and accepted.
Yes, where the balance is due and the customer is correctly identified.
We check the delivery, return and credit records and separate disputed items from the remaining balance.
It can be appropriate for a clear overdue balance once the supply and dispute position has been checked.
It depends on the evidence, customer response and whether formal action is needed.
Useful next steps
Use these guides to assess the debt and decide what to do next.
Assess the debt
Review commercial viability and identify the information needed before action.
Formal recovery options
Understand the purpose and limits of common escalation routes.
Protect the balance
Review interest, insolvency and title-related issues that may affect recovery.
Need help recovering an unpaid business debt?
Send us the customer details, orders, invoices, delivery records and any dispute correspondence. We will review the debt and the most proportionate next step.