How We Operate

Merion has been trading since February 2025. In a relatively short time we have built a commercial debt recovery operation that combines disciplined process, modern technology and a genuine commitment to fair, compliant practice. This page explains how the business runs.

Our model

We recover outstanding business accounts on behalf of our clients, primarily on a commission basis, and we also purchase selected debt portfolios outright. Whichever service a client uses, the operating principle is the same: recovery should be effective and professional at once, and the two are not in tension.

From hands-on to systematised

In our earliest months, much of our recovery work was managed manually — direct, hands-on contact with every account, and close personal attention to each matter. That period taught us a great deal about what actually resolves an account. As we have grown, we have systematised what we learned: the same care and judgement, now delivered with the consistency, record-keeping and reach that good technology makes possible. Our investment in systems is what lets us scale without losing the quality that defined our first accounts.

The scale of what we handle

Today, Merion manages in the order of $3 million in debtor payments each year on behalf of our clients — across a broad range of industries and account types, and from accounts of modest value to substantial commercial debts.

How we are funded

Merion is a growth-stage business. Like many firms scaling a new operation, we are backed by a combination of our clients, private investors and lenders, and we completed three funding rounds during 2025 to support our development. This backing allows us to invest ahead of revenue — in our people, our technology and our compliance function — so that the service is built properly for the long term rather than constrained by the size of a young revenue base. Our focus over the coming years is steady, sustainable growth: deepening our capability, broadening our client base, and maturing every part of the operation.

Compliance as the starting point

Every part of how we operate is built around the Commonwealth consumer protection laws that govern debt collection in Australia — including the ACCC and ASIC debt collection guideline (RG 96), the Australian Consumer Law and the Privacy Act. Compliance is not a department that reviews our work after the fact; it is the framework the work is designed within.