Debt Recovery · Retail & Wholesale
Recover unpaid supplier invoices, trade credit and wholesale stockist arrears.
Retail and wholesale businesses extend trade credit to stockists, distributors and B2B buyers — and those accounts go overdue. Whether it's a wholesale stockist who has taken goods on credit and stopped paying, a retail supplier owed for delivered inventory, or a distributor with a growing book of overdue accounts, Recovia's commercial recovery team handles the B2B side of the retail supply chain.
Industry challenges
Why Retail & Wholesale businesses struggle to collect.
Stockist trade credit arrears
Wholesale customers who take stock on trade credit and fall behind are relationship-sensitive accounts — handled too aggressively, you lose the stockist; handled too softly, the arrears grow.
Disputed delivery and quality claims
Debtors often raise delivery disputes or quality claims as a reason not to pay. Our documentation-first process addresses disputes properly while still pursuing the undisputed portion.
Volume supplier accounts
Businesses with large supplier networks can accumulate overdue B2B accounts quickly. Bulk placement via CSV or API lets you manage your full receivables book in one place.
Distributor chain arrears
Where distributors owe upstream suppliers and have their own cashflow problems, structured repayment arrangements — rather than aggressive demands — produce better outcomes.
How Recovia helps
Recovery built for Retail & Wholesale.
Bulk portfolio placement
Upload your overdue wholesale accounts via CSV or API. We segment by balance, age, and contact history — high-value accounts get priority outreach, smaller accounts get efficient digital campaigns.
Digital-first contact
Email and SMS are the primary channels for B2B trade debt — fast, documented, and the channel business debtors actually respond to. Phone escalation follows for non-responsive accounts.
Relationship-aware recovery
Wholesale accounts are handled with the ongoing trading relationship in mind. We start with structured payment arrangement offers — most stockists in arrears want to pay, they just need a manageable path.
RG 96 compliance
All contacts comply with ASIC's Regulatory Guide 96 — contact windows, frequency caps, dispute processes. Your brand is protected at every step.
Portfolio reporting
Dashboard access showing recovery status per account, total placed vs. recovered, and outstanding balance — updated in real time.
No win, no fee
Commission on recovered amounts only. Retail and wholesale businesses pay nothing unless we collect.
FAQ
Common questions about Retail & Wholesale debt recovery.
Do you handle B2B trade debt only, or also consumer accounts?
Recovia specialises in commercial B2B trade debt — supplier invoices, wholesale trade credit, and B2B service fees. We do not handle consumer credit or personal debt.
What's the minimum invoice value you'll accept?
We work with individual B2B accounts and small portfolios — no strict minimum. For very large portfolios of wholesale accounts, contact us to discuss dedicated placement pricing.
Do you work with distributors owed money by retailers?
Yes. Where a distributor is owed money by retail stockists or B2B buyers, we can pursue those accounts on their behalf under our standard commission-only arrangement.
How do you handle debtors who dispute the invoice amount?
Disputes are assessed on their merits. We obtain the original invoice, delivery documentation and payment history, and engage the debtor on the specific dispute. Where a portion is undisputed, we pursue that in parallel.
Ready to recover your retail & wholesale debts?
Commission-only, no upfront cost, and a team that understands your industry. Place your accounts today.