Reminders first, law when needed
Payment recovery is a ladder. FundRaksha Collect sends polite, professional reminders over WhatsApp, SMS and email on a schedule, and lets buyers pay through UPI Autopay or NACH mandates so the due date collects itself. When a buyer ignores reminders, FundRaksha Legal takes over: a dedicated advocate, a legal notice within 24 hours, negotiation and statutory remedies.
Most buyers pay at the reminder or notice stage. For the rest, your advocate files on MSME Samadhaan, under Section 138 or in the Mumbai courts, and sees it through.
Recovering B2B dues in Mumbai: what is specific here
Mumbai is India’s largest B2B market and its dues are the most varied: garment exporters in Dharavi and Andheri, chemical traders in Masjid Bunder, agencies and consultants billing corporates in BKC and Lower Parel. Cheque-based payments are still common in trading, so Section 138 is a frequent route, and arbitration clauses in corporate contracts often decide where a dispute is heard.
Main industries: textiles and garments, finance and services, pharmaceuticals, chemicals, media and advertising and import and export trading.
Courts: Metropolitan Magistrate courts (Esplanade, Mazgaon, Andheri, Bandra, Kurla and others) for Section 138 complaints; City Civil Court and the Bombay High Court Commercial Division for high-value recovery suits.
MSME claims: Udyam-registered micro and small suppliers in Mumbai file on MSME Samadhaan, heard by the Maharashtra Micro and Small Enterprises Facilitation Councils (regional councils for Mumbai, Pune, Nashik, Nagpur, Aurangabad and Amravati regions) (Directorate of Industries, Government of Maharashtra, Mumbai, and regional Joint Director of Industries offices). The Council sits where the supplier is, so a Mumbai supplier can pursue a buyer in another state from home.
Why Mumbai businesses choose FundRaksha over a local agent
- Results you can check: 700+ businesses paid, 60% settled before court.
- One advocate from notice to court. No hand-offs between agency and lawyer.
- No upfront fee. 30% only on the amount recovered; nothing recovered, nothing to pay.
- Everything in writing. Delivery proofs, notices, settlement terms and filings are recorded and shared with you.
How recovery works for a business in Mumbai
- Free consultation and case assessment. Send us the invoice, purchase order or delivery proof and the buyer’s messages. We tell you what is recoverable and how.
- Dedicated advocate within 24 hours. Your advocate sends a legal notice as an e-notice the same day and by registered post, with proof of delivery saved.
- Negotiation and settlement. The advocate calls the buyer, explains the consequences and agrees a payment plan. About 60% of our cases close here.
- Filing if needed. MSME Samadhaan before the Maharashtra Micro and Small Enterprises Facilitation Councils (regional councils for Mumbai, Pune, Nashik, Nagpur, Aurangabad and Amravati regions), a Section 138 complaint in the Mumbai magistrate courts, a summary suit or arbitration, handled by the same advocate.
You pay nothing upfront. Our fee is 30% of the amount actually recovered; if nothing is recovered there is no fee. Court fees, where a matter is filed, are borne by you and told to you in advance.