You built a wholesale channel. Extended net-30 or net-60 terms. Fulfilled every order. Now the invoices are sitting overdue and internal chasing isn't moving them. Contingency-only B2B debt recovery built for Shopify merchants. Free audit in 48 hours.
Shopify Wholesale Debt Recovery
Shopify's B2B and wholesale features — net payment terms, custom price lists, dedicated wholesale storefronts — have made it straightforward for UK brands to open a wholesale channel alongside their DTC store. Thousands of growing e-commerce businesses now supply boutiques, independent retailers, and multi-brand stockists directly through their Shopify store on credit terms.
What Shopify doesn't provide is a mechanism for recovering payment when those credit terms go unpaid. Net-30 becomes net-60. Net-60 becomes 90 days. The brand emails. The stockist replies with vague reassurance. Nothing lands. And because the stockist is also a wholesale customer the brand wants to keep, the chase stays soft indefinitely — while the outstanding balance grows.
A confirmed wholesale order processed through Shopify with agreed net payment terms is a legally enforceable B2B invoice. The money is owed. It's recoverable. It just needs a different approach to collecting it.
Retail stockists and independent boutiques ordering via your Shopify wholesale portal or B2B storefront on net-30 or net-60 terms. Orders fulfilled, goods delivered, invoices overdue. We recover the outstanding balance without you losing the account relationship.
Wholesale accounts you set up with extended payment terms — net-30, net-60, or custom terms agreed outside Shopify. When payment doesn't arrive by the agreed date and chasers go unanswered, we escalate as a named recovery partner. The escalation alone changes the priority your invoice gets in the stockist's payment queue.
Returns used as justification to withhold an entire invoice. Damage claims raised weeks after delivery. "The season didn't perform" used to renegotiate a confirmed order. We separate legitimate partial disputes from payment avoidance — and recover the undisputed portion immediately.
Why new wholesale merchants are most exposed
Most DTC brands launching a wholesale channel for the first time focus on onboarding stockists, setting price lists, and managing fulfilment. Credit control — the systematic process for ensuring net-term invoices get paid on time — is usually an afterthought, handled informally by the same person running the store.
The result is predictable. First wholesale order: paid on time. Third order: paid a bit late. Sixth order: 60 days overdue with a vague reply about cash flow. By the time the brand realises they have a debt problem, the stockist owes three or four months of orders and the commercial relationship has been carrying the unpaid balance for longer than anyone wants to admit.
We work with Shopify merchants at every stage — brands doing their first wholesale recovery and brands with an established portfolio of overdue accounts. The free audit tells you exactly where you stand within 48 hours.
Common scenarios
Boutique stockist, three wholesale orders via Shopify, not replied since February
Radio silence from a stockist after taking delivery is one of the most common Shopify wholesale debt patterns. We establish whether the business is still trading, make structured contact as a named recovery firm, and recover the outstanding balance. Most silences end when a third party gets involved — because the stockist knows the next step is formal.
Wholesale buyer returned 20% of the order but withheld 100% of the invoice
A partial return does not justify withholding the full invoice value. We recover the undisputed portion immediately — typically 80% of the invoice — and handle the return dispute separately. You're not waiting for a quibble over £200 of returns to release £1,800 you're clearly owed.
New wholesale account, first two orders paid, third and fourth outstanding
This is one of the most common patterns in early-stage Shopify wholesale operations. A stockist builds trust with two timely payments, then stretches terms on the next orders. Third-party escalation at this point — before the pattern embeds — is almost always effective.
Stockist says they can't pay because "our Shopify store hasn't been performing"
A stockist's trading performance does not change your contractual right to payment. The wholesale agreement was made at the point of order — confirmed through Shopify or by email — and the terms apply regardless of sell-through. We recover the agreed invoice value. Payment plans are available if the stockist has genuine cash flow constraints.
"We want to keep the wholesale relationship — can we chase without damaging it?"
Yes. Professional recovery is calibrated, not aggressive. We contact the debtor as a named recovery partner — the escalation is firm but not threatening. Most wholesale relationships survive a well-handled third-party escalation. The ones that don't were already structurally broken by the non-payment itself.
Multi-brand retailer owes for six months of seasonal Shopify orders
Six months of accumulated wholesale debt requires structured recovery, not a single email. We review the full order history, calculate statutory interest on each overdue invoice, and pursue the complete ledger — not just the most recent order. The Late Payment Act means you're owed more than the invoice total.
Late Payment Legislation
Under the Late Payment of Commercial Debts (Interest) Act 1998, every overdue B2B invoice — including Shopify wholesale orders with confirmed net terms — is legally entitled to statutory interest at 8% above the Bank of England base rate from the day payment was due, plus fixed recovery costs per invoice.
Most Shopify merchants with wholesale debt don't know this exists. We claim it on every eligible invoice we take on. For a brand with six months of overdue wholesale orders, the statutory interest and fixed costs can add materially to the total recoverable — before the principal is even disputed.
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 get a live dashboard showing every action in real time. Your named account manager handles the entire process.
Send your overdue wholesale account list — export from Shopify admin, CSV, Excel, or PDF. We score every account for recoverability, flag 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 wholesale debtors begins within 24 hours — calibrated to preserve the relationship where possible. Live dashboard shows every action as it happens.
10–18% contingency on recovered amounts. Nothing upfront, nothing on debts we don't recover. Weekly Friday reports on every account in progress.
Free audit within 48 hours. Export your overdue wholesale accounts from Shopify admin and send them over. We'll score every account, tell you what's worth pursuing and 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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