Fast, professional recovery
Accounts are reviewed within one business day and the first formal contact goes out without delay. Speed matters: recovery rates fall significantly as accounts age.
No recovery, no fee — you only pay when we collect
Commercial Debt Recovery — Australia
Debt recovery made easy.
No upfront fees. No lock-in. Just results. We recover commercial debts across Queensland, Victoria, New South Wales and the ACT — quickly, professionally and fully compliantly — with a secure portal that tracks every case in real time.
Works for sole traders and large enterprises · Recovery across QLD, VIC, NSW & ACT · Commission only, no lock-in
500+ Businesses served
$180M+ Commercial debt managed
15 years In operation
All states & territories National coverage
- One business day Typical response to every enquiry and referral.
- QLD · VIC · NSW · ACT Online recovery across our eastern-state coverage.
- No recovery, no commission Our fee is tied to the result we deliver.
- Proper conduct Professional, fair follow-up — no pressure tactics, ever.
Why Merion?
Recovery that works around your business, not against it.
Six things that separate a professional recovery from an awkward one.
Built for your industry
Construction, professional services, transport, health, finance — every sector has its own payment culture. We adapt our approach to yours, not the other way around.
A modern client portal
Refer debts, track every case in real time and download financial reports — all from a secure online portal. Your customers can pay or set up plans there too.
Commission-only pricing
Our fee is a percentage of what we collect — agreed in writing before we start. If nothing is recovered on an account, no commission is charged. No upfront cost, ever.
Firm but always measured
Our contact is factual, consistent and professional. No pressure tactics, no overstatement. The customer relationships worth keeping tend to survive the process intact.
Full visibility from day one
You see exactly what we're doing and when. Case notes, contact history, payment records — live in your portal. Nothing happens without you knowing about it.
Who we recover for
Tailored to the way your industry gets paid.
No two industries collect the same way. Select yours to see how we adapt.
Construction & trades
Progress claims, retentions and subcontractor accounts create some of the longest payment chains in the economy.
- Recovery that understands progress payments and security of payment.
- Firm follow-up that keeps you off the bottom of the payment queue.
- Care taken with relationships you may rely on for future work.
Professional services
When the product is your time, an unpaid invoice is unrecoverable effort. Fees deserve to be collected.
- Discreet, professional contact that reflects well on your practice.
- Clear handling of fee disputes and scope disagreements.
- Recovery that protects the client relationships worth keeping.
Transport & logistics
Thin margins and high volumes mean overdue freight and haulage accounts hit cash flow hard and fast.
- Fast escalation suited to high-volume, lower-value invoices.
- Tracing for debtors who have moved depots or changed entities.
- Bulk referral of ageing accounts handled efficiently.
Health & medical
Practices and suppliers need fees collected without compromising the care and sensitivity patients expect.
- Considerate contact appropriate to a healthcare setting.
- Careful handling of hardship and payment-plan requests.
- Privacy handled in line with the Australian Privacy Principles.
Finance & insurance
Regulated sectors need recovery partners who treat compliance as the starting point, not an add-on.
- A recovery process suited to the standards your sector demands.
- Clear escalation paths, including to AFCA where relevant.
- Documentation and reporting that stands up to scrutiny.
Where we recover
Recovery across Queensland, Victoria, NSW & the ACT
Merion recovers commercial accounts where the debtor is located in Queensland, Victoria, New South Wales or the Australian Capital Territory — handled online, so it makes no difference where your own business is based.
Debt recovery in Queensland Debt recovery in New South Wales Debt recovery in Victoria Debt recovery in the ACT
Outside these states? Tell us about the account — we'll let you know honestly whether we can help.
The Merion platform
Refer, track and get paid — online.
Our secure portal lets clients refer debts and follow every case in real time, while customers pay and set up plans online.
- Refer accounts online — individually or by bulk CSV import
- Live balance and status for every case, updated in real time
- Secure document upload, case notes and direct team messaging
- Card and bank payments — in full or across a payment plan
- Financial reports and remittance statements on demand
- Works on any device — desktop, tablet or phone
- $3M+ In debtor payments managed each year
- 4 States & territories we recover in — QLD, VIC, NSW & ACT
- 1 day Typical response to any referral or enquiry
- $0 Upfront fees — we work on commission
Figures reflect current operations and are indicative.
The process
From referral to resolution — four clear steps
Commercial debt recovery does not have to be complicated. Here is how a typical account moves from your hands to ours to cleared.
- 1 Refer Lodge the debt and documents online in about two minutes.
- 2 Assess & pursue We confirm an approach within a day, then demand and follow up firmly.
- 3 Resolve Most accounts settle by payment in full or an agreed plan.
- 4 Get paid Funds are remitted to you; commission applies only on what we collect.
Where we recover
Recovery across QLD, VIC, NSW and the ACT
We recover for businesses in four eastern jurisdictions — online, with no field agents and no interstate licensing games. From Brisbane to Melbourne, every case runs through the same secure portal.
- QLD Queensland
- NSW New South Wales
- ACT Aust. Capital Territory
- VIC Victoria
Recovery across 18+ industry sectors, including:
- Construction & trades
- Transport & logistics
- Professional services
- Health & medical
- Retail & wholesale
- Hospitality
- Real estate
- Finance & accounting
- Education & training
- Legal services
Industry coverage
We recover debts across every industry
Merion works with businesses in every major Australian sector. Select your industry to learn how we approach recovery in your space.
Free resources
Browse all guides Free guides for creditors
Practical, plain-English guidance on the legal and process questions that come up in commercial debt recovery.
How to write a letter of demand
What a letter of demand must contain, when to send it, and how to make sure it holds up if the matter escalates to legal proceedings.
Read guidePPSR guide for creditors
The Personal Property Securities Register explained — what it is, how retention of title works under the PPSA, and why registration matters before insolvency strikes.
Read guideStatute of limitations on debt in Australia
How long you have to pursue a commercial debt in each Australian state — and what resets the clock. Don't let a recoverable debt become a time-barred one.
Read guide Where we operate
Operating across Australia
Merion recovers commercial debts in every Australian state and territory. Wherever your debtor is, we can help.
Queensland
Brisbane, Gold Coast, Sunshine Coast, Townsville, Cairns, Toowoomba, Rockhampton, Mackay, Bundaberg, Logan + more
New South Wales
Sydney, Newcastle, Wollongong, Parramatta, Central Coast, Penrith, Wagga Wagga, Orange + more
Victoria
Melbourne, Geelong, Ballarat, Bendigo, Shepparton, Wodonga, Mildura + more
Western Australia
Perth, Fremantle, Bunbury, Kalgoorlie, Geraldton, Mandurah + more
South Australia
Adelaide, Mount Gambier, Whyalla, Murray Bridge, Port Augusta + more
Tasmania
Hobart, Launceston, Devonport, Burnie + more
Northern Territory
Darwin, Alice Springs, Katherine + more
Australian Capital Territory
Canberra, Queanbeyan + surrounding region
Common questions
Questions we hear most.
Straight answers to the questions businesses and their customers ask us every week. The Support Centre has many more.
Visit the Support CentreHow much does it cost to use Merion?
We work on a commission basis — our fee is a percentage of what we recover, agreed with you in writing before any work begins. There are no hidden charges.
How quickly can recovery start?
Once you refer a debt, a recovery specialist reviews it and is in touch within one business day to confirm the detail and agree an approach.
Will recovery damage my customer relationship?
Our approach is professional and measured so that it doesn't. A third party handling the matter formally often resolves it while leaving the relationship intact.
I received a letter from Merion. What should I do?
It is a routine commercial notice and you have clear options: pay, arrange a plan, or dispute it. Our Received a Letter page and the Support Centre explain each one in plain language.
Which states do you cover?
We recover accounts where the debtor is in Queensland, Victoria, New South Wales or the ACT. Your own business can be anywhere — we work entirely online and by phone.
What if the debtor disputes the debt?
A genuine dispute pauses collection of that amount while we investigate it with the original creditor. Most disputes resolve quickly once the documentation is reviewed.
How do I refer a debt?
Fill in our short online referral form — it takes about two minutes, and there is no cost to start. We email you a secure link to set your password and open your client portal, where you can lodge the debt immediately and track every step from there.
What if nothing is recovered?
No commission is charged on an account where nothing is recovered. Our fee is tied entirely to the result we deliver — no recovery means no fee on that account.
Newsroom
All articles Insights from the Merion team
Understanding the debt recovery process
A plain-English walk through how commercial debt recovery actually works — from the first reminder to resolution — and where Merion fits in.
Read article
Received a payment notice from Merion? Here is what it means
If a letter from Merion has landed on your desk, it is not a cause for alarm. Here is a clear explanation of what it is and the options open to you.
Read article
Five practical ways to reduce overdue invoices
Recovery is most effective when there is less to recover. Five changes to billing and terms that measurably cut the age of your receivables.
Read articleReceived a letter from us?
If you've had written contact from Merion about an overdue payment, it's a routine commercial notice — and you have clear, straightforward options.
Get started
Put your outstanding invoices to work.
Tell us about the accounts you want recovered. The first conversation costs nothing and commits you to nothing.