Debt Recovery

Commercial Debt Collection | How to Recover Debts from Business Clients the Smart Way

Understanding Commercial Debt Collection

Late payments or unpaid invoices can seriously disrupt your cash flow, especially when the debtor is in another business. Whether it is an overdue invoice or a long-standing account, commercial debt collection is an essential process for businesses that need to maintain financial stability. 

At Shergroup, we specialise in recovering debt from business clients through efficient, lawful, and strategic approaches. With decades of experience and real-world results (as seen on TV’s Call the Bailiffs: Time to Pay Up), we help business owners across the UK reclaim what is rightfully theirs. 

What Is Commercial Debt Collection?

Commercial debt collection is the process of recovering unpaid money owed by one business to another. Unlike consumer debt, commercial debts typically involve larger sums and can seriously impact operations if left unresolved. 

Examples include: 

  • Overdue invoices for services or products
  • Unpaid retainer agreements
  • Missed contractual payments

Our team of business debt collectors is trained to navigate these complex situations with professionalism and persistence—always within the boundaries of UK commercial law. 

When Should You Involve Business Debt Collectors?

If a client has not responded to your payment reminders or has broken a payment promise, it might be time to escalate. 

Here are signs you should act: 

  • The invoice is 30+ days overdue
  • Your calls and emails are ignored
  • You receive vague excuses or broken commitments
  • The business is showing signs of financial instability

Bringing in professional business debt collectors early can prevent further losses and demonstrate that your company takes overdue payments seriously. 

Shergroup’s Approach to Debt Collection from a Business

At Shergroup, we treat your unpaid debts like our own. Here is how we help recover debt from business clients

1. Pre-Legal Engagement

We start with a formal letter before action, phone calls, and digital engagement. This often results in prompt payments without needing legal action. 

2. Legal Escalation (If required)

If the debt remains unpaid, we can help you issue a claim through the courts, obtaining a County Court Judgment (CCJ)

3. High Court Enforcement

Once a CCJ is secured, we transfer the case to the High Court and enforce payment through our authorised officers—faster and more effective than standard processes. 

Why Businesses Choose Shergroup for Commercial Debt Collection

  • Over 200 years of enforcement experience
  • Featured on national TV—actual results in real time
  • Transparent fees and no-nonsense updates
  • Nationwide coverage with a personal touch

From SMEs to enterprise clients, we deliver fast, lawful results that protect your business reputation and cash flow. 

FAQS

 Q1: What is commercial debt collection?
Commercial debt collection is the process of recovering unpaid debts owed by one business to another. It typically involves overdue invoices, missed contract payments, or unpaid retainers, and often requires a strategic and lawful recovery approach.

Q2: How does business debt collection differ from consumer debt collection?
Business debt collection usually involves larger sums, more complex contracts, and longer payment terms compared to consumer debt. Commercial debt collectors must understand corporate structures and legal obligations between businesses.

Q3: When should I hire a commercial debt collection agency?
You should consider hiring a commercial debt collection agency like Shergroup when:

  • Invoices are more than 30 days overdue
  • Your communication attempts are ignored
  • Payment promises are repeatedly broken
  • The client shows signs of financial trouble

Early intervention helps minimise financial loss and demonstrates a firm approach to payment enforcement.

Q4: How does Shergroup recover debt from business clients?
Shergroup follows a three-stage process:

  1. Pre-legal engagement – Letters, phone calls, and digital outreach
  2. Legal escalation – Issuing a County Court claim and obtaining a CCJ
  3. High Court Enforcement – Fast and lawful recovery using High Court Enforcement Officers (HCEOs)

Q5: Is commercial debt collection legal in the UK?
Yes, commercial debt collection is fully legal in the UK when conducted within the boundaries of commercial law. Shergroup follows all legal protocols to ensure ethical and enforceable debt recovery.

Q6: What makes Shergroup’s business debt collection services unique?
Shergroup brings over 200 years of experience, nationwide coverage, and real results backed by media exposure (featured on Call the Bailiffs). Their transparent process and legal authority through High Court enforcement offer a strategic advantage in collecting business debts.

Q7: Can I enforce a County Court Judgment (CCJ) through the High Court?
Yes, Shergroup can transfer your CCJ to the High Court for enforcement. This process allows authorised High Court Enforcement Officers to recover the debt more quickly and effectively than standard County Court bailiffs.

Q8: What types of debts does Shergroup recover from businesses?
Shergroup recovers a wide range of business-related debts, including:

  • Overdue commercial invoices
  • Missed contractual payments
  • Unpaid service retainers
  • Large-scale business-to-business debts

Q9: How can I start the debt collection process with Shergroup?
Simply contact Shergroup for a consultation. Their team will assess your case, initiate pre-legal action, and guide you through legal and enforcement steps if necessary.

Take Action Today – Let Shergroup Help You Get Paid

Unpaid invoices can pile up fast. But with Shergroup on your side, debt collection from a business does not have to be stressful or time-consuming. 

You can reach us |

By Phone | 020 3588 4240 
Website    | www.shergroup.com and you can chat to us from here 
Email        | hub@shergroup.com 
Facebook | Check out Shergroup on this channel and message us 
Twitter      | Check out ShergroupChat on this channel and message us 
LINKEDIN | Check out Shergroup’s LINKEDIN – and please FOLLOW us! 
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YouTube   | Check out Shergroup YouTube Channel – and Subscribe to Our Channel! 
Google My Business | https://maps.app.goo.gl/J1pUNBKfFv2SVnjQ6 
Address: 20 St. Andrews Street, Holborn, London EC4A 3AG  

Products you might need assistance with

County Court Judgment (CCJ) Transfer

Transfer Your Possession Order to the High Court

Commercial Lease Forfeiture Service

Enforcement of High Court Judgment

Suresh Jassal

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