Recover overdue business debts while protecting commercial relationships
Rezolva provides professional UK commercial debt recovery for unpaid invoices and overdue business accounts. We combine clear, firm communication with commercially aware judgement, helping clients secure payment without treating a valuable customer relationship as disposable.
Every instruction begins with the account, the evidence and the people involved. We establish why payment has not been made, create meaningful engagement and pursue the clearest route to payment, a credible proposal or a properly evidenced dispute.
Recover the balance without losing sight of the customer
An overdue account is a financial problem, but the balance is rarely the whole story. There may be a processing delay, a missing purchase order, a genuine service issue, a cash-flow problem or a customer who has simply stopped prioritising payment.
Rezolva approaches the debtor as a business person first. We listen, test what is being said against the evidence and remain clear about the need for resolution. This creates a better chance of securing payment while protecting the client\'s reputation and commercially valuable relationships wherever possible.
Act when internal credit control is no longer moving the account forward
There is no single number of days that makes every debt ready for placement. The strongest signal is that ordinary reminders and internal conversations are no longer producing payment, useful evidence or a credible plan.
Reminders are being ignored
Emails, statements and calls no longer receive a meaningful response or ownership of the overdue balance.
Payment promises are missed
Repeated promises have passed without payment, explanation or a reliable revised proposal.
Invoices are accumulating
Several unpaid invoices now form one overdue account and continued trading is increasing the exposure.
A dispute has stalled
A customer refers to a problem but does not provide the evidence, detail or engagement needed to resolve it.
The risk position has changed
Communication, payment behaviour or external information suggests that delay could reduce the available recovery options.
Your team has reached its limit
Further internal chasing consumes time without changing the position and an independent commercial intervention is needed.
See what happens at every stage
Rezolva Connect gives authorised clients a clear view of each UK commercial debt recovery case from placement through to resolution. Select a stage to see the information retained and the next action.
Invoice overdue
The agreed payment date has passed and the account remains unpaid. This is where a clear escalation decision helps stop the balance from drifting.
What you should have
- The total overdue balance and oldest due date
- Invoices, statement and supporting documents
- The internal reminder and contact history
- Details of any response, promise or dispute
What happens next
- Assess whether the account is suitable for commercial recovery
- Collect the relevant evidence
- Confirm the commercial objective
- Place the account through Rezolva Connect
Debt placed
The client submits the business debt securely through Rezolva Connect, confirms the commercial scope and legal basis, and uploads the evidence required for review. Interest and recovery costs are added to the placed account at this stage.
What remains visible
- The Rezolva case reference
- The principal balance and any added amounts
- Uploaded invoices, statements and correspondence
- The date and user responsible for placement
What happens next
- Rezolva reviews the instruction
- Missing information is requested where needed
- Scope and suitability are confirmed
- The case moves into active recovery after acceptance
Instruction review
Rezolva checks the instruction, evidence, business status and the confirmed basis for the interest and recovery costs added during placement before activity begins.
What we review
- The debtor identity and business status
- The balance, due dates and payment allocation
- Contracts, invoices and delivery evidence
- Any dispute, acknowledgment or prior proposal
Available outcomes
- Accept the instruction
- Request additional information
- Clarify or amend the balance claimed
- Reject an instruction that falls outside scope
Initial contact
Once accepted, Rezolva confirms its involvement and begins professional contact designed to secure payment, engagement or meaningful evidence about the account.
What remains visible
- The date initial contact was issued
- The formal Request for Payment
- Delivery and communication status
- The current case stage and next action
What happens next
- Monitor debtor engagement
- Record payments, disputes and proposals
- Follow up through appropriate channels
- Keep the client informed of material developments
Payment proposal
Where immediate payment is not possible, proposals, promises and payment plans are recorded against the case for client review and monitoring.
What remains visible
- The amount and timing proposed
- Promise-to-pay dates
- Payment-plan instalments
- Any approval or client decision required
What happens next
- Approve, reject or amend the proposal
- Monitor agreed payment dates
- Record progress against the plan
- Escalate missed promises or defaulted plans
Payment received
Payments are recorded against the case so the outstanding balance and progress remain visible to authorised users.
What remains visible
- The payment amount and date
- The updated outstanding balance
- Linked payment-plan instalments where relevant
- Whether the payment clears the balance
What happens next
- Continue monitoring where a balance remains
- Confirm completion of an arrangement
- Follow up any missed residual payment
- Prepare the case for resolution when paid in full
Case resolved
The final outcome is recorded with the supporting history, documents, payments and decisions retained against the case.
What remains visible
- The resolution outcome
- Total recovered and any remaining balance
- The complete case timeline
- Documents, communications and approval history
What happens next
- Close the case with the correct outcome
- Retain the audit and document history
- Report the result to the client
- Identify any appropriate further decision
Commercial debts between businesses, from one account to a portfolio
A business debt is often a collection of invoices rather than one isolated invoice. Rezolva assesses the total overdue account, the oldest due date, the evidence and any credits or payments so the debtor receives one clear and accurate position.
Unpaid B2B invoices
Overdue invoices for goods, services or completed commercial work supplied to another business.
Multi-invoice accounts
Several invoices, credits and payments combined into one accurate statement balance and recovery instruction.
Contract and service balances
Commercial sums supported by contracts, purchase orders, delivery evidence or accepted trading terms.
Broken payment arrangements
Balances subject to a missed promise, failed instalment plan or repeated request for more time.
Stalled commercial disputes
Accounts where a genuine issue needs evidence, engagement and a clear route towards commercial resolution.
Credit-insured debts
Early recovery support for authorised brokers, insurers and policyholders, subject to the relevant policy and instruction.
Interest and recovery costs are added when the commercial account is placed
Rezolva Connect adds late-payment interest and recovery costs to every commercial account during placement. The client confirms that the debt arose from a business transaction, is not a consumer debt and that the selected basis for the added amounts applies.
Rezolva then pursues the principal balance together with the added amounts under the Late Payment of Commercial Debts (Interest) Act 1998 and the applicable Late Payment of Commercial Debts Regulations 2013. The contract, parties, transaction and evidence can still affect legal recoverability, so the confirmed basis is reviewed before debtor contact.
No collection, no commission for amicable UK recovery
Rezolva's standard UK commercial debt recovery commission is 12% of money recovered, subject to the agreed service terms. If the amicable recovery instruction does not produce a recovery, collection commission is not charged.
- The percentage applies to money recovered
- Direct debtor payments remain subject to the agreed terms
- Legal, court and approved third-party costs are separate
- No formal legal step is taken without client authority
No collection, no commission does not guarantee recovery and does not remove separately authorised legal, court or third-party costs.
Late Payment & Bad Debt Calculator
See the real commercial cost of an overdue balance
Late payment affects more than the bank balance. It ties up working capital, consumes credit-control time and can force your business to generate significantly more sales to replace a write-off.
Compare the turnover needed to replace the loss, potential statutory interest and the estimated cost of professional recovery before deciding what to do next.
Enter the total overdue account balance and the due date of the oldest invoice. The figures update automatically.
Turnover needed to replace the loss
Estimated Rezolva collection commission
Rezolva Connect adds late-payment interest and recovery costs at placement. Recovered collection costs are applied against this commission.
Create a free account. No collection commission is charged if the amicable recovery instruction does not produce a recovery, subject to the agreed terms.
Understanding the estimate
Three figures, three different commercial questions
Potential late-payment interest
For some qualifying business-to-business debts, statutory interest may be available at 8% above the Bank of England base rate. A different contractual remedy or the circumstances of the transaction can change the position.
Turnover needed to replace a loss
If a debt is written off, the turnover needed to replace it depends on your profit margin. This comparison shows why waiting can cost substantially more than taking proportionate recovery action.
Estimated recovery commission
The commission estimate compares the likely cost of successful recovery with the wider cost of losing the balance. International and third-party costs can vary and should be agreed before they are incurred.
Commercial pressure without unnecessary confrontation
Results matter, but so does the way the customer is treated while the account is being resolved.
“Firm where needed, but always commercial and professional. The relationship with our customer remained intact throughout, which was important to us.”
“Rezolva collected the debt in less than two weeks. I am very happy with the service and would not hesitate to recommend them for debt recovery in Kent and the wider UK.”
Use the right service for the stage and location of the account
Questions businesses ask before placing an overdue account
What is commercial debt recovery?
Commercial debt recovery is the professional collection of money owed between businesses. It can include account review, debtor contact, negotiation, payment-plan monitoring, dispute engagement and a recommendation about legal escalation where voluntary resolution is not achieved.
When should a business debt be referred for recovery?
Referral should be considered when the due date has passed and normal reminders are no longer producing payment, useful evidence or a credible proposal. Broken promises, accumulating invoices, stalled disputes and changing debtor risk can all justify earlier review.
How much does UK commercial debt recovery cost?
Rezolva's standard UK amicable recovery commission is 12% of money recovered, subject to the agreed service terms. Legal, court and approved third-party costs are separate where further action is authorised.
What does no collection, no commission mean?
It means collection commission is not charged if the amicable recovery instruction does not produce a recovery, subject to the agreed terms. It does not mean that every possible legal, court or third-party action is free.
Will using a debt collection agency damage the customer relationship?
It does not have to. Rezolva uses firm, professional communication and seeks to understand why payment has not been made. The aim is to resolve the account while protecting commercially valuable relationships wherever possible.
Can several invoices be placed as one overdue account?
Yes. Provide the complete statement, all relevant invoices, credits and payments, the total balance and the oldest invoice due date. This is usually clearer than treating connected invoices as unrelated debts.
Are interest and recovery costs added when a business debt is placed?
Yes. Rezolva Connect adds late-payment interest and recovery costs to every commercial account during placement after the client confirms the business scope and selected legal basis. Rezolva reviews that basis before debtor contact because the contract, parties, transaction and evidence can affect whether the added amounts are legally recoverable.
What happens if the customer disputes the debt?
A dispute is recorded and tested against the contract, invoices, delivery evidence and correspondence. A genuine issue may require evidence exchange or negotiation. An unsupported assertion should not be allowed to leave the account unresolved indefinitely.
Does Rezolva recover consumer debts?
No. This service is focused on commercial debts arising wholly or mainly from business transactions. Consumer debts and regulated consumer-credit matters require a different process and are outside Rezolva's commercial recovery scope.
Turn an unresolved business debt into a managed recovery case
Create a free Rezolva account, add the debtor and total account balance, and upload the documents supporting the overdue position.