Get your money back.
Then keep it flowing.
Most firms only step in once a debt has already gone bad. We do both — recover what you’re already owed on a no-win-no-fee basis, and keep your invoices paid on time every month so fewer ever reach that point.
Debt Recovery
The core of what we do. Hand over an overdue commercial invoice and we recover it — reminders, negotiation, phone follow-up and payment plans — while you watch every step in your portal.
- No recovery, no fee. You only pay commission on money we actually collect, and optional extras like tracing only if you approve them.
- A live case timeline: first contact, every reminder, every call.
- Structured settlements and payment plans on larger debts.
Credit Control
Stop chasing money after it goes bad. We manage your outstanding invoice book every month — statements, reminders and follow-up calls — so your customers pay on time and debts never age into write-offs in the first place.
- We run your accounts-receivable follow-up as an extension of your team.
- Monthly statements and a clear picture of who owes what, always current.
- Fewer invoices ever reach the recovery stage — and better cash flow every month.
Letters of Demand
A formal written demand on ARS letterhead — the professional escalation step that often gets a stalling debtor to pay before anyone talks about court.
- Drafted to the specifics of your invoice and the debtor’s conduct.
- A clear, documented paper trail if the matter ever does go legal.
- Included at no extra charge on every recovery case we handle.
Customer credit checks, before you give credit.
Starting a job on a deposit? Before you trust a customer with the balance, we check them for you and tell you plainly whether it’s safe.
A plumber quotes R37,000 to re-plumb a house and takes a 50% deposit. Before starting, they send us the homeowner’s details and signed consent. We reply: go ahead, he owns the house and pays his accounts.
- 01They sign a consent formSend our one-page form with your quote. We can’t check a person without their signature.
- 02You ask us in your portalTheir name, ID number and the signed form. It takes a minute.
- 03We tell you if it’s safeGo ahead, be careful, or don’t give credit, with the reasons. Usually within one working day.
For homeowners, sole traders and other individuals: how they pay their accounts, any judgments against them, and whether they own property.
For companies: how it pays its suppliers, whether it’s registered and active, who the directors are, any judgments, and whether it owns property.
Every check needs the customer’s signed consent, and their information is handled in line with POPIA: you get our verdict and the reasons, the bureau report stays with us, and personal details are deleted after 12 months (how we handle it). Clients on a Credit Control plan pay less for every check. Already a client? Check a customer in your portal. New to ARS? Create a free account.
A predictable fee, and a cleaner book.
Priced by how much of your invoice book we manage. Pay monthly, or pay yearly and get two months free, and recovery on anything that still slips through stays no-win-no-fee.
Change or cancel any time.
Billed monthly. Pay yearly and save R900.
- 15 invoices worked at a time, load as many as you like
- Less than R
1515 a day - Every reminder, text and call included
For a small book that just needs consistent, professional follow-up.
Choose EssentialNo setup fee · cancel any time
Billed monthly. Pay yearly and save R1,900.
- 40 invoices worked at a time, load as many as you like
- Less than R
3232 a day - Every reminder, text and call included
For a growing business where late payments are starting to hurt cash flow.
Choose GrowthNo setup fee · cancel any time
Billed monthly. Pay yearly and save R3,600.
- 100 invoices worked at a time, load as many as you like
- Less than R
6060 a day - Every reminder, text and call included
For a full ledger that needs dedicated, ongoing credit-control attention.
Choose ProNo setup fee · cancel any time
Everything every plan includes, and all our other prices, are on the pricing page. A bigger book than this? Talk to us — we’ll tailor a plan to your ledger.
Already sending reminders from Xero or Sage? Good. We start where they stop.
Your software sends reminders. We get you paid.
Keep Xero or Sage — we plug into it. An email is easy to ignore; a follow-up call from someone outside your business isn’t.
You never have the awkward conversation.
We follow up politely, in your business’s name, and your customers always pay you directly. Your relationships stay yours.
If they still won’t pay, it’s already with a collector.
At 30 days overdue, one click hands it to Debt Recovery — the history, invoices and paperwork are already there. No recovery, no fee.
| Your accounting software | A typical collector | ARS Financial | |
|---|---|---|---|
| Reminders before and after the due date | Yes — automated emails | Rarely — they start once it’s a debt | Yes — email and SMS, in your name |
| A person phones customers who ignore emails | No | Only once it’s handed over | Yes — at 14 days late |
| Replies handled (“paid”, “Friday”, “wrong invoice”) | No — lands in your inbox | Sometimes | Yes — logged, paused, followed up |
| Unpaid at 30 days goes straight to recovery | No — it stops at reminders | A separate sign-up | One click — same file, no new forms |
| Upfront or membership fees for recovery | — | Often | None — no recovery, no fee |
| Who your customers pay | You | Often the agency first | Always you, directly |
| See every step as it happens | Your own reminders only | Usually by phoning them | Yes — live in your portal |
| Works with Xero, Sage, QuickBooks | — | Rarely | Yes — connect Xero, or upload an export |
Let’s talk about what you’re owed.
Whether it’s one stubborn invoice or a whole book that needs managing, tell us where things stand — no cost to start, no obligation.