Refer a client. Earn on the recovery.

The proposition

Your client has an unpaid invoice from one of their B2B customers. The invoice is undisputed; the customer has gone quiet; the client wants the money. You can write the chase letters yourself, 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. The arithmetic compounds across a portfolio. A firm referring two or three matters per quarter typically generates £3,000 to £8,000 per year in referral income, with no fixed cost and no time spent on the matters themselves.

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.

What is the disclosure obligation to my client?

Your professional body (typically ICAEW, ACCA, AAT, or CIOT) will have rules requiring you to disclose referral arrangements to clients, particularly where you receive a fee for the referral. We recommend a one‑line note in your engagement letter or in the introductory email when you make the referral.

Can I refer a client who is not yet a paying client of my firm?

Yes. The referral arrangement attaches to the matters you refer, not to a particular client relationship. Some of our most active partners refer matters from prospects, contacts, and accountants in their network.

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. Any UK accountancy firm can refer; the debtor must be a UK‑registered limited company or LLP. 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.