The things
everyone asks first.

Money your business is owed — overdue invoices from your clients or customers for goods or services you’ve delivered. Whether the debtor is another business or a customer who hasn’t paid, if it’s owed to you, that’s what we recover.

Send us the unpaid invoice and the debtor’s contact details, and we open a case and start recovery the same business day — a structured sequence of professional reminders and calls. You follow every step live in your portal and only pay commission on what we actually collect.

You pay nothing to hand a case over and nothing while we work it. We only earn a commission on money that is actually recovered. If we recover nothing, you owe no commission. The only other cost is an optional extra you choose yourself, such as tracing a debtor who has disappeared (R85, only charged if we recover), and that doesn’t guarantee recovery.

Typically around 12% on invoices under R25,000 and around 15% on invoices of R25,000 or more. These are typical levels; the exact arrangement is agreed when we review your case.

It depends on the debtor, but we move fast: recovery starts the same business day you hand a case over, and many accounts respond within the first days of structured follow-up. You can see exactly where each case stands in your portal at any time.

The unpaid invoice, as a PDF or a clear photo, and the debtor’s contact details. That is enough for us to open a case and tell you where you stand.

Yes. We recover what your business is owed lawfully and professionally, and we handle your customers’ information in line with POPIA — so chasing the debt never puts your own reputation or compliance at risk.

Our focus is money owed to your business — most often by other businesses, but also by individual customers who haven’t paid for goods or services you delivered. If it’s owed to you, tell us about it.

Yes. ARS Financial is based in Cape Town and works with businesses nationwide, including Johannesburg, Pretoria, Durban, Gqeberha, Bloemfontein and East London. Most of our follow-up happens by phone, email and letter, so where you or your debtor are based doesn’t slow anything down.

Two things: no recovery, no fee — you never pay commission unless we collect — and a live client portal, so you watch every reminder, call and payment on your case in real time instead of chasing us for updates.

Send us the details of the overdue invoice through the form below, by email, or by phone. We will come back to you, usually the same business day.