B2B Debt Collection
Professional follow-up of overdue business accounts, including eligible aged and written-off accounts, subject to account review.
Learn moreCustomers delaying payment? Let’s give your receivables a clear next step.
Univara helps businesses follow up on unpaid invoices, organise customer payments and manage customer communication. You receive clear updates while retaining control of settlements and commercial decisions.
Initial consultation is free.
Payment status Sample
- Invoice APaid · confirmed
- Invoice BPayment date agreed
- Invoice CQuery open
- Invoice DAwaiting response
Where is your cash flow getting delayed?
Your customers owe you money.
Invoices are overdue or promised payment dates have been missed.
Your team needs time to follow up.
Calls, invoice queries and reminders compete with everyday work.
You need to know what happens next.
Univara tracks customer responses, commitments and next actions.
You run your business. Univara organises the agreed follow-up.
Six stages for every assigned account
Stage 1 of 6
Account review
Check balances, documents and account history.
You provide the account details and supporting documents.
Stage 2 of 6
Contact verification
Identify and verify appropriate contact details.
Permitted sources only, with privacy safeguards.
Stage 3 of 6
Reminders and follow-up
Follow an agreed, documented contact plan.
Contact plan, wording and hours agreed with you.
Stage 4 of 6
Payment discussions
Discuss options within limits approved by the client.
Any settlement or payment plan stays within limits you approve.
Stage 5 of 6
Reporting
Record commitments, disputes, confirmed payments and next actions.
Shared in the format and rhythm you choose.
Stage 6 of 6
Case outcome
Close, return or escalate the account according to the agreed instructions.
- Closed
- Returned
- Escalated
Not every case ends in payment. Each outcome follows your instructions.
For Businesses
Business support that fits your needs
Accounts Receivable Management
Organised reminders, customer follow-up, payment tracking and reporting for your ongoing receivables.
Learn moreBanking & Financial Collections
Collections support for banks and financial institutions, undertaken only under the required approvals and the institution’s agreed policies.
Learn moreDedicated Collections Teams
Agreed dedicated collections personnel, with Univara supervision and reporting.
Learn moreCall Centre & Customer Care
Agreed customer-contact support for enquiries, assistance requests, complaints and account follow-up, with approved scripts, supervision and clear reporting.
Best suited for: Businesses that need extra capacity for customer enquiries, complaints or account follow-up.
Learn moreBusiness Debt Consultation & Rescheduling
Helping companies review their own repayment obligations, organise documents, prepare repayment or settlement proposals and coordinate authorised discussions with banks and creditors. Revised terms require creditor approval.
Best suited for: Companies working through their own bank or creditor repayment obligations.
Learn moreBanking Consultation
Support with banking-related requirements, document preparation and coordination of discussions with banks and financial institutions.
This is advisory support for your business, separate from the collections work we carry out for banks.
Best suited for: Businesses preparing banking requirements or discussions with banks and financial institutions.
Learn moreSupporting services
- Contact Verification / Skip Tracing
- Payment Reminders and Notices
- Receivables Reporting & Reconciliation Support
- Legal Professional Referrals
- Cross-Border Collections Coordination
Collections keep business moving
When overdue accounts receive consistent, professional follow-up, business owners can focus on operations while maintaining a clearer view of expected payments and cash flow.
Overdue accounts
- Invoice past due
- Promised date missed
- Customer not responding
- Balance queried
Consistent follow-up
One documented contact plan
A clearer view
- Commitments recorded
- Disputes referred to you
- Payments confirmed
- Next actions listed
Commercial decisions stay with you
Firm on process. Respectful with your customers.
Your customers are often customers you want to keep. Our approach protects the payment and the relationship.
Your mandate sets the boundaries
We agree the scope in writing before any contact. Decisions on terms, settlements and write-offs stay with you.
Your customers are treated with care
Professional conversations, accurate amounts and a clear route for disputes and questions.
Your portfolio stays visible
Activity, payment commitments and next steps reported in an agreed format and rhythm.
One point of contactThe Univara Team
Our team brings a structured approach to collections, receivables and customer communication. We work within agreed instructions, document progress and keep your business informed of the next steps.
About UnivaraA structured approach
Work within agreed instructions
Documented progress and next steps
Free initial consultation
Tell us what is happening. We will listen, ask a few focused questions and suggest a practical next step. There is no obligation to go further.
Your initial consultation is free. We explain any proposed service and fees before work begins.
Discuss Your Receivables
For companies with overdue invoices, receivables or collections needs.
Talk About Your Debt Options
For individuals who want to talk through a personal debt, in confidence.
Questions businesses ask first
Anything else, ask us in your free initial consultation.
What should we prepare for the first conversation?
The service you are interested in, a rough number of overdue accounts and how old they are, and whether any are disputed. Please do not send customer files, identity documents or bank statements through the website. We arrange a secure way to share documents only after we agree to work together.
Do you guarantee that we will be paid?
No. Results depend on each account: the documents behind it, any dispute, and the customer’s ability and willingness to pay. What we commit to is a documented process, accurate reporting and a clear recommendation for every open account.
Who approves settlements and payment plans?
You do. The written mandate sets the limits we can discuss with your customer. Anything outside those limits comes back to you for a decision.
How are fees agreed?
The initial consultation is free. If we propose a service, we explain the scope and fees in writing before any work begins.
Can you take legal action for us?
Univara is not a law firm. Where legal action may be appropriate, we can introduce you to appropriately licensed legal professionals and prepare the account history for them.
Do you help individuals too?
Yes, through a separate route. Read about Personal Debt & Repayment Support.