Refer a client. Earn on the recovery.

The proposition

Someone you know has an unpaid invoice from one of their B2B customers. The invoice is undisputed; the customer has gone quiet; the creditor wants the money. They can write the chase letters themselves, refer to a solicitor, or refer to us. We are positioned to be the sensible default on undisputed UK B2B commercial debt between £1,000 and £100,000.

For each successful recovery on a matter you refer, we pay you fifteen percent of the recovery costs we collect from the debtor. There is no minimum volume. One-off referrals earn the same percentage as repeat ones. Active partners with a portfolio (accountants, brokers, advisory firms) typically generate several thousand pounds per year in referral income; one-off referrers earn on each individual matter.

Why this works for your client

The Late Payment of Commercial Debts (Interest) Act 1998 makes the debtor liable for the creditor's reasonable costs of recovery. Our fee is the recoverable portion under Regulation 5A. Practically, this means:

• The client receives the principal of the invoice in full.
• Our fee is paid by the debtor, in addition to the principal demanded.
• Your fifteen percent referral commission comes out of our fee, not the client's principal.

Your client is not out of pocket. You are not asking them to pay you anything. The economics work entirely off the debtor's inflated total under the Act.

The commission table

Worked examples on typical recoveries. Recovery costs assumed at fifteen percent of the principal, in line with our standard fee.

£5,000 invoice recovered	£112.50 to you
£15,000 invoice recovered	£337.50 to you
£50,000 invoice recovered	£1,125.00 to you
£100,000 invoice recovered	£2,250.00 to you

Commission is paid within ten working days of the funds being remitted to the client. Each payment is accompanied by a remittance advice naming the matter, the principal, and the recovery cost figure.

How it works, in three steps

I. Sign once

A short referral agreement, two pages, exchanged by email. Sets out the commission rate, payment timing, confidentiality, and your right to withdraw at any time. We do not require exclusivity.

II. Refer the matter

Use the form below or your dedicated partner email line. Send the client's contact and a one‑line summary of the debt. We do the rest, including the conflicts and credit check on the debtor.

III. Collect

We confirm acceptance with the client within twenty‑four working hours, manage the matter end to end, and pay your commission once the principal has been remitted. You see a quarterly statement summarising all matters under your referrer code.

What we accept

• UK limited companies and LLPs as debtors.
• Commercial debts (B2B), not consumer.
• Undisputed invoices: the debtor has not, before the due date, raised a substantive dispute on the merits.
• Minimum debt of £1,000.

What we decline

• Consumer debt, sole‑trader debt, or debts owed by individuals.
• Genuinely disputed debts where there is documented disagreement on the merits.
• Debtors already in formal insolvency.
• Debts more than six years past the due date (statute‑barred under the Limitation Act 1980).

Where we decline, we tell the referring partner promptly with the reason and a short note on what we would have suggested. The relationship continues; we have not wasted anyone's time.

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Apply to become a partner

Two minutes. We respond within two working days with the agreement to sign and your dedicated referrer code.

Common questions

Do my clients have to pay anything?

No. The fee is recovered from the debtor under the Late Payment Act, alongside the principal. Your client receives the principal of the invoice in full.

What if a referred matter does not recover?

No commission is payable, and we charge nothing. Our model is fully contingent: we earn only on successful collections.

Do you require exclusivity?

No. You may continue to refer to other recovery firms or solicitors. We expect to win cases on the strength of the service, not on contractual lock‑in.

How is commission paid?

Bank transfer within ten working days of the principal being remitted to the client. Accompanied by a written remittance advice listing the matter, the principal, the recovery cost figure, and the commission payable.

Do I need to disclose the referral arrangement?

If you are a regulated professional (accountant, solicitor, financial advisor, surveyor, and so on), your professional body will have rules requiring disclosure of referral arrangements where you receive a fee. Build that disclosure into your engagement letter or the introductory email. If you are not regulated, no specific disclosure is required, but transparency with the person you refer is good practice in any case.

Can I refer someone I have no formal relationship with?

Yes. The referral attaches to the matter, not to a formal client relationship. Many of our active partners refer matters they hear about from contacts, prospects, advisors, friends, or industry peers. The arrangement applies the same way regardless of how you know the creditor.

What happens if my client wants to terminate the matter mid‑way?

The client can terminate at any time. If the debtor pays within ninety days of termination as a result of a letter we issued, the recovery costs are still payable, and your commission is still earned. Otherwise, no commission is payable.

Are there geographic restrictions?

Our acceptance is geographic by debtor, not by referrer. Anyone, anywhere, can refer; the debtor must be a UK‑registered limited company or LLP for our UK programme. We have a separate US programme handled out of our Tribeca office; ask if relevant.

What about VAT on the commission?

If you are VAT‑registered, you will invoice us for the commission inclusive of VAT, and we reclaim it as input tax. The economics for both parties are the same. We can provide a template invoice on request.