How We Operate

Merion started in February 2025. We began small — taking referrals one at a time, calling and writing to debtors directly, learning exactly what combination of tone and timing actually gets an account paid. That first year was deliberate. It gave us a clear picture of what works, what does not, and what a debt recovery firm that is genuinely trying to do the job properly should look like.

What we do

We recover outstanding B2B accounts on a commission basis, and we also purchase selected debt portfolios outright. Commission recovery means a client refers an account to us, we take it from there, and our fee comes from what we recover — nothing up front, nothing if we are unsuccessful. Portfolio purchase means we buy the debt outright and the client receives a lump sum, transferring the risk and the recovery work to us.

Every referral goes into our case management system the day it arrives. From there it follows a structured recovery schedule: a formal letter of demand, follow-up contact by phone and email, and — where necessary — an escalation path we agree with the client in advance. We report progress in real time through a secure online portal, so clients can see exactly where each account sits without calling us.

How we built the process

Our early manual work taught us something specific: most overdue commercial accounts are not disputes. They are cash-flow problems, or accounts that have drifted down someone's to-do list. The debtor often intends to pay; what they need is a firm, professional nudge from someone who is clearly not going away. That shapes how we make first contact — factual, direct, and with a clear path forward. Escalation comes later and only when the softer approach has genuinely been tried.

As volume grew, we built systems to deliver that same approach consistently: structured letter sequences, tracked phone contact, automated reminders, and a portal where clients and debtors can both act without needing to call us. The process is documented and auditable, which matters for compliance and gives clients something concrete to stand behind if a debtor ever queries how they were handled.

Scale and funding

Today we manage around $3 million in debtor payments each year across clients in construction, hospitality, professional services, healthcare, retail and other industries. Most individual accounts sit between $2,000 and $100,000 — the range where a proper commercial recovery agency adds the most value over an internal chase.

Merion is backed by a mix of client revenue, private investors and business lenders. Three funding rounds closed during 2025, which let us invest in people, technology and compliance infrastructure ahead of where our revenue base would otherwise allow. We are building for the long term, not optimising for short-term numbers.

The legal framework

Debt collection in Australia is governed by the ACCC and ASIC jointly, through the Debt collection guideline: for collectors and creditors (RG 96), and by the Australian Consumer Law and the Privacy Act 1988. We build our process around those rules. That means specific things: how often we can call someone, what we must disclose in our first contact, how disputes are handled, how hardship requests are dealt with, and how personal information is stored and used. If something in our conduct concerns you, contact us directly.