Terms-of-trade savvy
Recovery built on your trade terms — and advice to strengthen them.
Wholesale & trade
Debt recovery for wholesale & trade suppliers
Trade credit is the lifeblood of wholesale — and its biggest risk. Merion recovers overdue trade accounts and helps you tighten the terms that make recovery possible.
Wholesalers and distributors live on trade credit. Goods go out on account, and payment follows — usually. When it does not, a supplier is left carrying the cost of the stock and the credit, and a few large overdue accounts can put real strain on a business that runs on margin and turnover.
Merion recovers commercial accounts for wholesalers, distributors and trade suppliers, and we can review the terms of trade and credit processes that determine how easily an account can be recovered when it goes bad.
How we help
Recovery tailored to how you get paid
Retention of title aware
Mindful of retention-of-title and PPSR considerations where relevant.
Protects margin
Recovering trade accounts before they erode a thin-margin business.
Turn trade credit back into cash
Don't let unpaid accounts quietly fund your customers at your expense.
Common questions
Frequently asked questions
Do you consider retention of title or the PPSR?
Where relevant, yes. We factor retention-of-title clauses and security interests into how an account is approached.
Can you help improve our credit terms?
Yes — we offer credit-control advisory alongside recovery, including reviewing your terms of trade so future accounts stand on firmer ground.
What about a whole ledger of overdue accounts?
We can take on a batch of accounts and work them on a consistent schedule, or discuss ongoing receivables management.
Further reading
Guides that may help
The commercial debt recovery process, end to end
What actually happens after you refer an overdue account — every stage from verification to resolution, and what you can see at each step.
The credit-control playbook
The habits that measurably shorten the time it takes to get paid — none of which need new software, only consistency.
Unpaid invoice: the escalation timeline
A practical, day-by-day timeline for chasing an overdue commercial account — from the day it falls due to the point where referring it makes sense.
Get started
Trade accounts overdue?
Refer them, or ask us to review your terms of trade.