Commercial debt matters exceeding R100 000
Commercial Debt Recovery in South Africa
You Are Not A Bank.
Stop Financing Your Debtors.
Apex Recovery is an attorney-led commercial recovery service developed and backed by the litigation expertise of Buhr Pacitti Inc.
We help South African businesses recover B2B debts over R100,000. Nothing smaller. Nothing consumer.
Beyond recovery, we assess your credit processes and put the right agreements and structures in place to reduce the risk of future defaults.
We are not the first call most businesses make.
We're the call they make when the debt is large and the excuses have run out.
How we work
We Do Not Operate On a Monthly Commission Model
Instead, we provide an upfront cost estimate so you know what you're in for before you commit. No collection agency does this.
We believe transparency is the foundation of a successful relationship.
All matters are protected by attorney-client privilege, and all information is treated with strict confidentiality.
Are you sitting on a debtor book with accounts over R100k with no where to turn?
Credit hygiene
Recovering debt is only part of the solution.
If you are dealing with a significant default, it is often a sign that something in your credit process is not working and needs to change.
We begin with a structured review of your debtor book, credit approval processes, payment terms and existing agreements. From there, we provide recommendations to improve recovery outcomes and minimise future risk, while strengthening your legal position.
We do not do generic templates. We draw up personalised and legally robust credit agreements.
How can we help
CFOs and Financial Directors
Recover overdue receivables and high-value unpaid accounts.
Accountants and Bookkeepers
Help clients escalate unpaid invoices and long-overdue debtor balances.
Debtors, Credit Control and Collections Teams
Support internal teams when normal follow-ups stop working.
Insolvency Practitioners
Assess recoverable commercial debt and debtor matters.
Collection and Liquidation Attorneys
Support matters requiring structured recovery and commercial assessment.
Business Owners
Recover money owed to your business without wasting time on weak matters.
No one wants their R800 000 matter in a queue with R5 000 invoices.
We deliberately decline most enquiries. This allows us to focus our attention on the matters where we believe there is a viable path to recovery.
What happens next
If we believe your matter has a commercially viable recovery path, we will contact you directly.
If you are unsure whether your matter qualifies, we offer a complimentary 15-minute consultation with an attorney to help assess whether your unpaid invoice, overdue account or commercial debt is worth pursuing.
Clients We've Worked With
A clean, credible logo wall that can be swapped for final client marks later.
Free consultation
Book a Commercial Debt Recovery Consultation
Book a free 15-minute consultation and we'll help you assess whether your unpaid invoice, overdue account or outstanding debt qualifies as a viable matter.
FAQ
Frequently Asked Questions About Commercial Debt Recovery
Clear answers that support self-screening and avoid exaggerated claims.
What is commercial debt recovery?
Commercial debt recovery is the process of helping a business recover money owed by another business, customer or commercial debtor. Apex Recovery focuses on larger B2B debt matters where there is a clear amount due and a commercially viable path to recovery.
Do you recover unpaid invoices in South Africa?
Yes. We assist South African businesses with unpaid invoices, overdue business accounts and commercial debt matters, typically where the amount owed exceeds R100,000.
Do you handle all types of debt?
No. We focus on commercial and B2B debt recovery matters. We do not usually handle small consumer debts, debt counselling, debt review or low-value collections.
When should I hand over an overdue account?
If your normal follow-ups are being ignored, the amount is significant, and the debt is clearly due and payable, it may be time to assess whether professional debt recovery is appropriate.
Do you guarantee recovery?
No. Recovery depends on the facts of the matter, the debtor’s position, the available documentation and whether there is a commercially viable recovery path.
What information do you need to assess my matter?
Useful information includes the debtor’s details, amount owed, invoices, contracts or purchase orders, proof of delivery or performance, correspondence, payment history and any dispute raised by the debtor.
Do you handle small debts?
Not usually. Apex Recovery focuses on larger commercial debt matters, typically exceeding R100,000.
Do you work with multiple overdue accounts?
Yes. However, each account should individually meet our minimum qualification threshold of R100,000. We do not aggregate smaller debts to reach the minimum value requirement.
Can you help with recurring debt?
Yes, we review credit and collection processes. We can recommend practical improvements, including tailored credit agreements and payment structures, to strengthen your legal position and reduce the likelihood of future defaults.
Why do you only work debts over R100 000?
Our R100,000 threshold ensures the legal costs and commercial effort involved remain proportionate to the value of the debt.
Why is there an assessment process?
We assess each matter upfront so that time and resources are focused on unpaid business debts that appear commercially viable to pursue.
Why might a deposit be required?
A deposit may be required for suitable matters before further assessment or recovery steps begin. This helps confirm commitment and ensures resources are focused on commercially viable matters.