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Is it worth referring this debt?

Commission-only recovery makes sense when the expected net return outweighs the cost of chasing it yourself. Enter your figures to see an indicative comparison.

About the debt

$

Age is the biggest driver of recoverability — the older the account, the lower the average recovery rate.

%

Your agreed commission rate. The actual rate depends on the account size and age — this is indicative.

Your in-house cost (optional)
hrs
$

Your hourly salary or charge-out rate — what this time is actually worth.

Indicative result

Expected recovery (before commission) —
Merion commission —
You keep (net recovery) —
Cost of your own time already spent —
Net advantage of referring (vs. not recovering) —

Recovery rates are indicative averages. Actual recovery depends on the debtor, documentation and other factors. No commission is charged on accounts where nothing is recovered.

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How the calculation works

The expected recovery figure is based on indicative industry averages for commercial debt by account age. Accounts under 60 days have higher recovery rates than those over 12 months, which is why the age of the debt is the single most important input.

Commission is deducted only from what is actually recovered. If an account is not recovered, no commission is charged. This means the risk of referring an account is low — the main cost is time.

The in-house time calculation captures the cost of your own time already invested. Once an account is referred, that time is freed up for work that earns revenue.

These are indicative estimates only, not a guarantee of recovery. Actual outcomes depend on the specific debtor, documentation quality and other factors.