You financed the collection months before the first sale. Your stockists placed orders, took delivery, and now won't pay. Contingency-only debt recovery built for fashion and apparel businesses. Free audit in 48 hours.
Fashion Industry Debt Recovery
A fashion brand finances a collection three to six months before a single unit ships. Production is paid for. Showrooms are booked. Orders are placed by buyers who negotiated 30 or 60 day credit terms. Then delivery happens, the season starts — and the invoices don't get paid on time.
What makes fashion debt uniquely difficult is the seasonal relationship structure. The buyer who owes you for autumn/winter is the same buyer you're pitching spring/summer to at the next trade show. Your sales director is not in a position to issue a formal demand to someone they need for next season. That structural conflict is why fashion brands systematically undercollect — and why a specialist third party recovers money internal teams won't.
Spring/summer and autumn/winter orders placed, delivered, and not paid on terms. Boutiques that stocked your collection, sold through, and are now on 90-day terms they never agreed to. Multi-brand retailers delaying payment across dozens of suppliers simultaneously. We recover the wholesale balance while protecting next season's relationship.
Independent boutiques and small multi-brand retailers are the largest source of overdue wholesale debt in UK fashion. Rising costs, slow footfall, and tight margins mean payment gets deferred. When a boutique closes, your invoices become a creditor claim. We recover before it reaches that point — while the business is still trading.
Advertising contributions, shortage claims, and markdown money deducted from invoices after delivery. Large retailer payment practices routinely reduce invoice values by 15–30% through post-delivery deductions. We recover deductions that were not contractually agreed — and separate legitimate chargebacks from unilateral reductions.
The seasonal relationship problem
In fashion wholesale, credit control and sales are inseparable in a way that doesn't exist in most other sectors. The person responsible for bringing in next season's order is the person who should be chasing last season's payment. Most brands choose the order over the payment — and lose both eventually.
A third-party recovery firm has no next-season stake. We contact the debtor as a named recovery partner. Our involvement signals that the payment is now being formally pursued — which changes the priority it receives in a buyer's AP department. Most seasonal wholesale debt moves when escalated externally. The relationship generally survives it.
Common scenarios
Boutique stockist, autumn/winter order delivered, now unreachable
Radio silence from a boutique after taking delivery is one of the most common fashion wholesale debt patterns. We establish contact, assess whether the business is still trading, and pursue the outstanding balance. If the business has closed, we advise on the insolvency creditor route. If it's still open, we recover.
Buyer used "poor sell-through" to renegotiate an agreed invoice
Sell-through performance does not change the contractual terms of a confirmed wholesale order unless it was written into the agreement. A buyer invoking "the season didn't perform" as grounds for a discount or delay is attempting to renegotiate after delivery. We recover the agreed invoice value — and the buyer knows the agreed terms apply.
Retailer deducted advertising contributions not in the original agreement
Post-delivery deductions for advertising, fixtures, or markdown money are standard practice from larger retailers — but they require contractual basis to be valid. We review your order confirmation and supply terms. Deductions without contractual foundation are recoverable. We pursue them as part of the overdue invoice.
Multi-brand retailer, twelve invoices, paying two per quarter
A debtor who continues paying in small instalments indefinitely is controlling cash flow at your expense. We recover the outstanding ledger in full and establish a structured payment schedule that has a defined end date — not an open-ended drip that runs for years.
Online retailer returning unsold stock instead of paying the invoice
Unless your terms include a sale-or-return arrangement, an online retailer cannot return stock at end of season in lieu of payment. We recover the outstanding invoice and, where returns have already been made without agreement, advise on the appropriate course. Your terms are your protection — we enforce them.
"We can't chase — they're exhibiting at our next trade show"
The trade show relationship, the next-season pitch, the buyer's influence in the press — all of it gets weighed against a £15,000 outstanding invoice. We take the chase off your plate entirely. You continue the relationship. We recover the money. Most buyers don't exit relationships over professional debt escalation.
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. Your named account manager handles the entire process. You see every action live.
Send your overdue wholesale ledger — CSV, Excel, or PDF. We score every account, identify dispute patterns, and return a written breakdown within 48 hours. Free, no commitment, no sales call unless you want one.
One-page agreement. Professional outreach to your debtors begins within 24 hours — calibrated for relationship preservation. Live dashboard shows every action in real time.
10–18% contingency on recovered amounts. Nothing upfront, nothing on debts we don't recover. Weekly Friday reports on everything in progress.
"We'd avoided chasing three accounts for two seasons because we didn't want to lose the relationship. They recovered two of the three in full. The third had already closed — but we knew before the next trade show, which saved us shipping another order."
Free audit within 48 hours. We'll score every account, flag the dispute patterns, and tell you exactly what we'd charge — no commitment required.
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