Proven Results
We specialise in fast, effective debt recovery, helping businesses improve cash flow with minimal disruption to day-to-day operations.
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.
From sole traders to large enterprises · Recovery across QLD, VIC, NSW & ACT · ACCC & ASIC-aligned
- 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.
- ACCC & ASIC compliant Every step follows the RG 96 guideline.
Why Merion?
We don't just recover debts — we protect your cash flow and your customer relationships.
Here's why businesses choose us to manage their outstanding accounts.
Tailored Solutions
We customise our approach to suit your industry, your customer base, and your specific recovery needs — no two engagements are the same.
A modern client portal
Refer debts, upload documents and track every case in real time — and your customers can pay securely online, in full or by instalments.
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 process built around the ACCC & ASIC debt collection guideline.
- 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.
How it works
A clear path from overdue invoice to recovered funds.
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01
Account review
You hand us the outstanding accounts. We verify the details, documents and debtor information before any contact is made.
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02
Structured contact
We engage the debtor professionally, in writing and by phone, on a defined schedule designed to resolve — not escalate.
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03
Resolution
Payment in full, a structured plan, or a negotiated settlement. We keep you informed at every stage and remit funds promptly.
No upfront cost. No lock-in. You only pay a commission on what we actually recover — and the first appraisal is free and obligation-free.
Get a free debt appraisal
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.
- Online referrals with secure document upload
- Real-time case tracking and shared notes
- Card or bank payments — in full or by instalments
- $3M+In debtor payments managed each year
- 4States & territories we recover in — QLD, VIC, NSW & ACT
- 1 dayTypical response to any referral or enquiry
- $0Upfront fees — we work on commission
Figures reflect current operations and are indicative.
The process
Three steps from referral to resolution
Commercial debt recovery does not have to be complicated. Here is how a typical account moves from your hands to ours to resolution.
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1
Refer — in minutes, online
Submit the account details and any supporting documents through your secure client portal. We confirm receipt within one business day and begin our assessment at no charge.
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2
We pursue it — professionally and compliantly
A verified letter of demand goes out under our letterhead. If that does not resolve it, we follow up in writing and by phone on a defined schedule — firm, factual, fully within the ACCC and ASIC guideline. You track every step in real time.
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3
Resolution — and our commission follows
Most accounts resolve by payment in full or a payment arrangement. Funds are remitted to you and we invoice our agreed commission. If nothing is recovered on an account, no commission is charged for it.
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
Common questions
Answers, before you even ask.
A few of the questions we hear most often. 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?
Apply to open a client account — it takes a few minutes online. Once approved, you can refer accounts through your secure portal and track every step in real time.
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
Find out how we can assist your business today.
Tell us about your outstanding accounts. The first conversation is always obligation-free.