Retail Debt Recovery: Reliable, Fast & Professional
Retail businesses operate on tight margins and fast inventory cycles. When customer accounts or B2B supply invoices fall overdue, cashflow is disrupted. Bluechip helps retailers, wholesalers, and multi-store groups recover overdue invoices, layby defaults, and recurring arrears with firm, fast, and consistent communication.
Common Pain Points in the Retail Sector
- Unpaid B2B store supply invoices
- Layby and instalment defaults
- High volume of small-value overdue accounts
- Customers disputing delivery or item condition
- Difficulty contacting customers after default
- High admin effort for internal AR teams
- Seasonal spikes in arrears (end-of-year, back-to-school, EOFY)
How Bluechip Recovers Retail Arrears
Our approach is built for high-volume, fast-moving retail environments:
B2B Retail & Wholesale Recovery
- Store-to-store supply arrears
- Bulk trade invoices
- 30/60/90-day overdue accounts
- Multi-invoice customer follow-up
Customer Account & Layby Recovery
- Layby defaults
- Instalment plan arrears
- E-commerce order arrears
- Store credit payment failures
Dispute & Delivery Resolution
- Documentation handling
- Clear communication around item disputes
- Condition/delivery notes incorporated into reports
Operational Support
- Multi-channel contact (email/SMS/phone)
- Weekly reporting
- Escalation to Boss Lawyers when needed
Optional Pre-Debt Reminder Cycles
Perfect for recurring store accounts:
- Automated account reminders
- Soft nudges prior to escalation
- SMS/email prompts scheduled to retail billing cycles
Pricing (Collections Commission + Optional Pre-Debt)
Collections Commission Schedule (Standard Bluechip Rates)
- 6.5% — Over $100,000
- 10% — $50,001 – $100,000
- 12.5% — $30,001 – $50,000
- 15% — $10,001 – $30,000
- 20% — $5,001 – $10,000
- 25% — $1,001 – $5,000
- 35% — $100 – $1,000
Additional Conditions
- Older than 12 months: +5% surcharge
- Under $500: $10 + GST loading
- No recovery, no commission
Optional Pre-Debt Recovery Pricing
- 1–10 accounts: $25 + GST / month
- 11–20 accounts: $40 + GST / month
- 21–50 accounts: $70 + GST / month
- 51–100 accounts: $120 + GST / month
- 101+ accounts: Custom
Billed monthly in advance.