Unpaid wholesale orders from boutique stockists. Agency retainers left outstanding after a rebrand. B2B accounts that went dark after peak season. We recover them — contingency-only, free audit in 48 hours.
E-commerce Debt Recovery
The e-commerce sector generates enormous volumes of B2B transactions that never make headlines: wholesale brands supplying boutique retailers on 30-day credit terms. Digital agencies building Shopify stores, running paid media, managing SEO — all invoiced monthly, often chased for months. DTC brands using 3PL fulfilment services and going quiet after a slow season.
What makes e-commerce debt distinctively difficult is the relationship dynamic. A wholesale brand doesn't want to alienate the buyer who stocks their products. An agency doesn't want to lose the retainer while chasing the last three invoices. The conflict of interest makes internal chasing ineffective — and a third-party specialist the obvious answer.
Brands supplying boutiques, multi-brand retailers, and independent stockists on credit terms. Returns used as justification to withhold full invoice payment. Seasonal buyers who placed orders, took delivery, and then went silent. We recover the wholesale debt your account manager can't chase without losing next season's order.
Web development, SEO, paid media, and growth agencies working with e-commerce clients. Retainer invoices left outstanding after a rebrand handover or team change. Project fees disputed after delivery. We recover agency debt from e-commerce clients who are still trading — and doing so on your unpaid work.
Software providers, platform operators, and technology vendors serving e-commerce clients. Subscription invoices unpaid after a client downsizes. Annual licence fees disputed after the renewal. We recover B2B SaaS and platform debt from e-commerce businesses that have used the service and not paid for it.
Why internal chasing fails in e-commerce
In wholesale e-commerce, the buyer who placed the order and the buyer who processes the payment are the same person. Your account manager is selling next season's collection to someone who owes money for this one. That's not a failure of process — it's a structural conflict that makes aggressive internal chasing almost impossible.
For digital agencies, the dynamic is the same. Raising a formal demand for three unpaid invoices while pitching a new campaign brief on the same call is a contradiction most account managers simply can't hold. A named third-party firm has no such constraint — and the debtor knows it.
Common scenarios
Boutique stockist, six wholesale orders, silent since January
Post-Christmas boutique silence is one of the most common e-commerce wholesale debt patterns. The stockist took delivery in October-November, sold through December, and has now gone quiet. The business is still trading. We find that out in the audit, recover the balance, and put a payment plan in place if the stockist needs time.
Agency client, three months of invoices, says deliverables weren't met
Deliverable disputes raised after months of accepting work are a recognisable pattern. We review your SOW, your delivery evidence, and the client's payment history. Genuine disputes are handled separately from deliberate non-payment. Most "deliverable" disputes resolve when a third party reviews the documentation.
Wholesale buyer used "returns" to withhold entire invoice
A buyer who returned 10% of a wholesale order and withheld 100% of the invoice is using the return as leverage. We recover the undisputed portion immediately and handle the returns dispute separately. You're not waiting on £800 of returns to release £8,000 of paid-for stock.
E-commerce client cancelled SaaS subscription but owes four months
Cancellation of a subscription does not cancel prior invoices. We recover outstanding SaaS and platform fees from e-commerce businesses that have stopped using the service but owe for the period they did. Cancelled contracts don't erase the debt — they just stop new charges accruing.
"We're waiting on our next Shopify/Amazon payout"
Marketplace payout delays are a genuine cash flow reality — but they don't create a right to delay your invoice indefinitely. This excuse, used repeatedly, becomes a payment avoidance tactic. A third-party escalation signals that the cash flow excuse has run out and payment is now required.
DTC brand, used 3PL for two years, owes eight months of fees
3PL relationships accumulate debt fast when a DTC brand hits a slow season and starts deferring monthly charges. Eight months of pick, pack, and storage fees is a significant number. We recover it — even from brands that are still using the fulfilment service.
How Fynrec works
Every case is managed through purpose-built recovery technology that automates chaser sequences, tracks every debtor interaction, and surfaces the highest-probability recoveries first. You see everything in a live dashboard throughout.
Send your overdue invoice list — CSV, Excel, or PDF. We score every invoice, identify dispute patterns, and return a written breakdown within 48 hours. Free, no commitment.
One-page agreement. Automated and manual outreach begins within 24 hours. Live dashboard shows every action in real time.
10–18% contingency. Nothing upfront, nothing on debts we don't recover. Weekly reports every Friday.
Free audit within 48 hours. We'll score every invoice, separate the genuine disputes from the delay tactics, and tell you exactly what we'd charge — no commitment required.
Request my free audit →No setup fee · No sales call unless you want one · ICO registered · UK GDPR compliant
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