How much does debt recovery cost in New Zealand?

Commercial Collections charges 30% + GST commission on recovered amounts only. There are no upfront fees — if we don't recover your money, you don't pay.

How long does debt recovery take?

Most standard debt cases are resolved within 6 weeks. More complex cases involving disputes or legal proceedings may take longer.

What types of debt does Commercial Collections recover?

We specialise in B2B debt recovery across New Zealand, with expertise in construction and trades (unpaid invoices, retentions) and commercial property (rent arrears, lease enforcement).

Debt Recovery for NZ Trades & Businesses

We're not your typical debt recovery agency. We get fast results, returning your money to your business where it belongs.

Commercial Collections is New Zealand's specialist debt recovery agency for trades and property businesses. We recover unpaid invoices fast — typically within 6 weeks — on a no-recovery, no-fee basis.

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Convenient

We manage the entire debt recovery process for you — from initial contact through to resolution. Our nationwide service covers all New Zealand regions, so you can focus on running your business.

Fast

Most standard debt cases are resolved within 6 weeks. Our industry-specific approach means we know the right tools to accelerate recovery and get your money back quickly.

Transparent

Our pricing is simple: commission on recovered amounts only. No upfront fees, no hidden charges. If we don't recover your money, you don't pay. All costs are agreed before we start.

Effective

Deep industry knowledge in construction, trades, and commercial property means we understand your contracts, your disputes, and your debtors. This specialist focus drives our high recovery success rates.

Construction & Trades debt recovery

If you work in construction or a related trade, we have a proven process to recover your unpaid invoices quickly. With proper terms and conditions, we can often recover most of our collection costs from your debtor — meaning debt recovery may cost you even less. We manage everything from initial demand to legal escalation if required.

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Commercial Property debt recovery

When rent goes unpaid or tenants breach lease terms, we focus on restoring your returns. Our specialist team manages everything from tenant credit checks and payment negotiations to guarantor pursuit and legal escalation if required. We recover rent arrears, levies, and outgoings across all commercial property types nationwide.

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How does debt recovery work?

Contact us

Get in touch for a free, no-obligation consultation. We'll assess your situation and explain exactly how we can help recover what you're owed.

Gather your documents

Send us your invoices, contracts, and terms and conditions. The more documentation you have, the stronger your position for recovery.

Leave it to us

We manage the entire recovery process with regular updates, from negotiation to legal escalation if required. You focus on your business while we get you paid.

Real results for real businesses

Stainless mains-pressure hot water cylinder installed by a plumbing subcontractor

Recovered: $6,800

The Disputed Variation

Full recovery of the outstanding amount including the disputed hot water cylinder replacement costs.

Painters on scaffolding restoring a weatherboard villa with decorative trim

Recovered: $9,200

The Three-Year Delay

Full recovery of the overdue amount plus interest and recovery costs despite three years of non-payment and late defect claims.

Half-finished drywall in a domestic room — gibbing subcontractor case study

Recovered: $13,500

The "Pay When Paid" Trap

Full recovery of the outstanding balance plus recovery costs for the subcontractor.

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What our clients say

Awesome service. Great communication and excellent results delivered for us. Highly recommend!

Commercial Collections recently retrieved 2x unpaid invoices from 2 separate clients, one from over 24 months ago and the other after they went into liquidation. They were extremely knowledgeable and easily explained the complicated process. One of the cases went to adjudication, which also included a counter claim response. This was no issue for the team at all. I highly recommend Commercial Collections!

Commercial Collections is exceptional to deal with. Extremely knowledgeable and we felt our situation was safe in their hands. We will definitely use them for anything else in the future should we need to.

Commercial Collections has done a great job in recovering some funds for us. Highly recommend their service.

I have used Commercial Collections for two different businesses, and they are awesome to deal with. Extremely knowledgeable, efficient, patient, and helpful — assisting with getting our invoices and terms and conditions up to scratch, and recovering payments from overdue customers. We will definitely continue to use their services in the future. Highly recommended.

I had an excellent experience with Commercial Collections. Their team was professional, respectful, and extremely efficient throughout the entire process. They communicated clearly, kept me informed every step of the way, and handled everything with integrity. The guy who doesn't want to pay my invoice paid my invoice plus default interest plus collection fees. I highly recommend Commercial Collections to anyone looking for a reliable and effective debt collection company.

I needed a debt recovery and I contacted Commercial Collections. They were pedantic and didn't stop until they recovered my debt. I would highly recommend their services to anyone who has the misfortune to have to deal with a customer who decides they don't want to pay your invoice. A1 service!

Commercial Collections has been amazing to work with. They've helped us not only with debt collection but also taught us a lot about improving our processes. Like making sure invoices and T&Cs have all the right details. Their knowledge and support have been invaluable. Totally recommend if you're looking for expert help with collections!

New Zealand's specialist debt recovery agency for trades and property businesses