# ARS Financial > ARS Financial (Pty) Ltd is a South African commercial debt recovery firm. It recovers overdue invoices and other money owed to businesses, on a strict no-recovery, no-fee basis, with a live client portal that shows every step of each case. ## Key facts - What it does: commercial debt recovery and unpaid invoice recovery for businesses anywhere in South Africa, monthly credit control, customer credit checks, and formal letters of demand. - Pricing: no upfront or monthly fee for recovery. Commission only on money recovered: typically about 12% on invoices under R25,000 and about 15% on invoices of R25,000 or more. If nothing is recovered, no commission is charged. Optional extras, only with the client's approval: tracing a debtor ARS can't reach (R85, or R60 on Credit Control; only charged if the money is recovered) and, if the debtor ignores the free final letter of demand, a credit-bureau listing after a 20-business-day notice (R287, or R249 on Credit Control; only charged once they're listed). No VAT is added. Full price list: https://arsfinancial.co.za/pricing#price-list - Location: based in Cape Town, working with businesses nationwide across South Africa, including Johannesburg, Pretoria, Durban, Gqeberha, Bloemfontein and East London. - Speed: recovery starts the same business day a case is handed over. - Letters of demand: included at no extra charge on every recovery case. - Credit control: ongoing accounts-receivable follow-up (reminders, SMS, follow-up calls, monthly statements). Plans: Essential R450 a month (up to 15 open invoices), Growth R950 a month (40), Pro R1,800 a month (100). Paying yearly gives two months free: R4,500, R9,500 or R18,000 a year. No setup fee; cancel any time. Prices are final (ARS isn't VAT-registered). - Customer credit checks: before a business gives a customer credit on a job (for example, work started on a deposit), ARS checks the customer with their signed consent and reports go ahead, be careful or don't give credit. Person check R278 and business check R249; R199 each for clients on a Credit Control plan. - Transparency: clients follow every reminder, call and payment live in their own client portal. - Data protection: debtor information is handled in line with POPIA. - Company: ARS Financial (Pty) Ltd, CIPC registration number 2026/112551/07. Founder: Kyle Zorger. - Contact: contact@arsfinancial.co.za, +27 77 471 6623 (phone and WhatsApp), https://arsfinancial.co.za/contact ## Services - [Debt recovery](https://arsfinancial.co.za/debt-recovery): Commercial debt recovery for SA businesses. No recovery, no fee: we chase overdue invoices by email, phone and letter of demand, and you track every step live. - [Unpaid invoice recovery](https://arsfinancial.co.za/unpaid-invoices): Customer paying late or not at all? ARS Financial recovers unpaid and overdue invoices for South African businesses on a no-recovery, no-fee basis, starting the same day. - [Letters of demand](https://arsfinancial.co.za/letter-of-demand): What a letter of demand is, what it should include and when to send one in South Africa. ARS Financial sends formal letters of demand free on every recovery case. - [Debt recovery for contractors](https://arsfinancial.co.za/construction-debt-recovery): Unpaid progress payments, retention or invoices from a main contractor, developer or homeowner? ARS Financial recovers construction debts nationwide, no recovery, no fee. - [All services](https://arsfinancial.co.za/services): debt recovery, credit control, customer credit checks and letters of demand. - [Pricing](https://arsfinancial.co.za/pricing): every price in one place, including credit control plans (monthly or yearly). ## Guides - [How to recover an unpaid invoice](https://arsfinancial.co.za/guides/how-to-recover-unpaid-invoices): 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. - [When does a debt prescribe?](https://arsfinancial.co.za/guides/debt-prescription-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. - [Interest on overdue invoices](https://arsfinancial.co.za/guides/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. - [When a client keeps paying late](https://arsfinancial.co.za/guides/client-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. - [Letter of demand template](https://arsfinancial.co.za/guides/letter-of-demand-template): 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. - [Acknowledgement of debt](https://arsfinancial.co.za/guides/acknowledgement-of-debt): 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. - [Payment terms explained](https://arsfinancial.co.za/guides/payment-terms-south-africa): 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. - [Credit application form](https://arsfinancial.co.za/guides/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. - [Check a business before giving credit](https://arsfinancial.co.za/guides/check-a-business-before-giving-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. ## Other pages - [Home](https://arsfinancial.co.za/): overview, how it works, pricing and FAQ. - [Contact](https://arsfinancial.co.za/contact): send the details of an overdue invoice. - [Partner Programme](https://arsfinancial.co.za/become-a-rep): earn by introducing businesses that are owed money. - [Full text of the service pages and guides](https://arsfinancial.co.za/llms-full.txt)