Small Business Debt Recovery Without the Commission

Small Business Debt Collection · Australia

Chase unpaid invoices like a professional — for a flat $69

A late-paying client is a cash-flow problem, not a full-time job. PayClaim prepares a firm, professional Letter of Demand on your own letterhead — the standard first step in debt recovery — ready to send in minutes. No debt collector taking a cut of what you’re owed.

Start recovering my money →
Flat $69 · Any industry · No commission on what you recover

For any small business owed money

If you’ve done the work or delivered the goods and the invoice is overdue, you can act. This isn’t just for tradies.

Consultants & agenciesFreelancersDesigners & developers Trades & constructionWholesalers & suppliersCleaners Bookkeepers & accountantsPhotographersEvent & hospitality ManufacturersTransport & logisticsProfessional services

Why a Letter of Demand works

Most overdue debts are paid once the debtor sees you’re serious and organised. A professional demand does exactly that.

It signals you mean business

A properly written demand — firm, accurate, with a deadline — tells a slow payer the free ride is over, without burning the relationship.

It’s your letter, not a collector’s

The letter comes from you or your business, on your letterhead. You review it and send it. Like using tax software to lodge your own return.

It sets up your next step

If it’s ignored, you have a clean written record and a clear escalation path — a statutory demand where a company owes you, or court recovery.

How it works

Three steps. About five minutes.

Tell us the details

Who owes you, what for, how much, and the invoice. A short guided form — no legal jargon.

Pay $69

Flat fee, any industry. We generate a polished Letter of Demand as a PDF on your letterhead.

Download & send

Review it, then send by email and/or post and keep proof. Many debts are paid at this stage.

The debt recovery ladder

Start at the top. Most debts never need to go further.

1

Letter of Demand

The professional first step. Firm, deadline-driven, on your letterhead. Flat $69.

2

Creditor’s statutory demand (company debtors)

Where a company owes a due and payable debt above the statutory minimum, a demand under the Corporations Act 2001 (Cth) is a powerful next step.

3

Court or tribunal recovery

For other debts, the small claims or general courts can be used to recover what you’re owed, plus interest and costs where you’re entitled.

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Building & construction work?

You may have stronger rights under Security of Payment legislation, which puts the other side on strict statutory deadlines. See our construction payment claims →

Flat $69. No commission.

$69 flat

Debt collection agencies can take 10–30% of what you recover. We charge one flat $69 to prepare your Letter of Demand — you keep every dollar the debtor pays.

Prepare my Letter of Demand →

Common questions

Do I need to be in construction to use this?

No. PayClaim’s Letter of Demand works for any Australian small business owed money — consultants, freelancers, agencies, suppliers, trades and more. The letter is tailored to your debt and the correct escalation path for your situation.

Is this legal advice?

No. We prepare the document for you to review and send — the same way tax software helps you prepare your own return. If you need advice about your specific circumstances, speak to a solicitor.

How is this different from a debt collector?

A debt collection agency typically takes a percentage of what they recover and acts in their own name. PayClaim prepares your own Letter of Demand for a flat $69 — you send it, and you keep 100% of what you’re paid.

What if the debtor still doesn’t pay?

You’ll have a clear written record and a defined next step: a creditor’s statutory demand where a company owes you, or recovery through the courts. For construction work, Security of Payment legislation may give you stronger, faster rights.

How fast is it?

The guided form takes about five minutes. Your letter is generated right after payment and emailed to you as a PDF, ready to download and send.

Stop chasing. Start recovering.

Put your demand in writing, professionally, today — and get your cash flow back.

Start recovering my money →
Flat $69 · Any industry · Ready in minutes