Corporate Debt Recovery for Large Corporates & Portfolios

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Corporate credit teams don’t need another supplier that treats a 200-account ledger as 200 separate favours. They need structured onboarding, predictable reporting and a commercial model that scales. That is how we run portfolio recovery for our largest clients.

Who this is for

•  Credit and finance teams with a steady flow of overdue trade accounts

•  Groups with several trading companies or sites that want one recovery partner

•  Businesses with an aged ledger to clear in one go

•  Businesses that want a regular arrangement rather than case-by-case referrals

How volume works with Recovia

•  One Letter of Authority — A single signed LOA covers every case you refer. After that, you send the invoice and debtor details, one at a time or in bulk on our invoice schedule template.

•  Actioned fast — Cases are actioned within 1 working day of receiving the files, often the same day.

•  Bespoke commercial terms — For portfolios we agree flat-rate, tiered or retainer structures to suit the ledger. Larger referrals get their own fee schedule. No collection, no fee on suitable cases.

•  A named senior contact — Direct access to a director-level account owner, not a rotating case queue.

•  Reporting your finance team can use — Case-level status, ageing analysis and remittance statements in the format you prefer, plus 24/7 access through our client portal.

•  Remittance on your schedule — Debtors can pay your account directly, or pay our client account. We remit weekly as standard, or on a custom remittance schedule agreed with your finance team, always with a full statement.

•  Brand protection — Many of your debtors are also your customers. We collect in a tone consistent with your brand, every account is assessed individually, and complaint reporting is available on request.

Getting started

1. Agree terms — A short call to understand your ledger, then a fee schedule, remittance schedule and Letter of Authority.

2. Send the portfolio — Upload accounts in bulk on our template, or refer them as they fall due.

3. We assess every account — Credit and asset checks before any action, so effort goes where recovery is realistic.

4. We recover and report — You see progress case by case and receive remittance with a full statement.

What we use to recover

•  Personalised contact by phone, email, letter and, where it helps, field visits

•  Debtor tracing for customers who have moved or gone quiet

•  Credit reporting through the Creditsafe network and Experian

•  Payment options that make it easy to pay: card, pay by bank, Apple Pay, Direct Debit and instalment plans, all through our debtor portal

•  Statutory interest and late payment compensation added where UK law allows, which often means you keep all or most of the principal

•  Our legal partner, an established firm of solicitors, and authorised enforcement agencies, only where all other options are exhausted, recovery is likely and you have approved it

Coverage

England and Wales, and Scotland, with each case routed to the right procedure. Northern Ireland accounts are accepted. Overseas accounts are handled through our international partners on terms agreed per country.

Data and compliance

Recovia Ltd is registered with the ICO (ZC115879). Debtor data is handled under UK GDPR and used only to recover your debts. Our policies are on our Legal & Compliance page.

Sectors we already serve

Our current portfolio includes manufacturing and engineering, building supplies and trade merchants, food and beverage, professional services, and property.

Frequently asked questions

Do we need a new agreement for every case?

No. One signed Letter of Authority covers every case you refer.

Can we send accounts in bulk?

Yes. Send them on our invoice schedule template, or refer them one at a time as they fall due.

How quickly do you start?

Cases are actioned within 1 working day of receiving the files, often the same day.

How often are we paid?

Debtors can pay you directly. Where they pay our client account, we remit weekly as standard, or on a custom schedule agreed with you, with a full statement.

What does it cost?

Portfolio terms are agreed to suit your ledger: flat-rate, tiered or retainer. No collection, no fee on suitable cases.

Will you go to court without asking us?

No. Legal action is only recommended once other options are exhausted and recovery is likely, and never without your written approval.

Speak directly to the Managing Director about a portfolio arrangement: 01527 369593.