Getting paid, explained plainly.
Practical guides for South African businesses dealing with late payers and unpaid invoices. General information, written in plain English.
- 6 min read
How to recover an unpaid invoice in South Africa.
A practical, step-by-step guide for South African businesses: from the first reminder to a letter of demand, payment plans and your legal options.
- 5 min read
When does a debt prescribe in South Africa?
Most debts in South Africa prescribe after three years under the Prescription Act. When the clock starts, what interrupts it, and what it means for unpaid invoices.
- 4 min read
Charging interest on overdue invoices.
When South African businesses can charge interest on late payments, the prescribed rate when nothing was agreed, and how the in duplum rule caps interest.
- 6 min read
What to do when a client keeps paying late.
A practical plan for South African businesses whose customers keep paying late: a reminder schedule, tighter terms, interest, and when to hand an overdue account over.
- 5 min read
Letter of demand template for unpaid invoices.
A free letter of demand template for unpaid invoices in South Africa, with what to include, how to send it, and the mistakes to avoid.
- 5 min read
Acknowledgement of debt, explained.
What an acknowledgement of debt (AOD) is, what it should include, why it restarts prescription, and how to use one to secure a payment plan in South Africa.
- 5 min read
Payment terms, explained plainly.
What 30 days, 30 days from statement, EOM and COD actually mean, which payment terms suit South African small businesses, and how to set them so you get paid on time.
- 6 min read
How to set up a credit application form.
What a South African credit application form should include, from company details and trade references to terms, suretyship and consent to credit checks. Free checklist.
- 5 min read
How to check a business before you give it credit.
How South African businesses can vet a new customer before offering credit: CIPC and VAT checks, credit reports, trade references, bank codes and the red flags to watch for.
Rather hand it over? We recover it for you.
Debt recovery
ARS Financial recovers money that customers owe South African businesses. You hand over an overdue invoice, we chase it professionally, and you only pay a commission if we collect.
Unpaid invoice recovery
When a customer won’t pay, chasing them yourself eats your time and strains the relationship. Hand the invoice to us: we follow up professionally until it’s paid, and you only pay if we recover.
Letters of demand
A letter of demand is a formal written demand for payment. It tells the debtor exactly what they owe, gives a final deadline and makes clear what happens next. Often, it’s the step that finally gets an invoice paid.
Debt recovery for contractors
In construction, you’ve usually paid for the labour and materials long before the client pays you. When a main contractor, developer or homeowner holds back, we recover it, and you only pay if we collect.