Commercial debt recovery relies on the contract and the documents: order, delivery, invoice, acknowledgement. FundRaksha's advocate sends a notice within 24 hours fixing the claim, negotiates a settlement, and if needed files a summary suit, an MSME Samadhaan reference or an arbitration claim. The fee is 30% of the recovery and nothing upfront.
Commercial debt versus consumer debt
Consumer debt (personal loans, credit cards, EMIs) is governed by RBI rules on recovery agents and is collected by calls and visits. Commercial debt is different in every respect. The debtor is a business, the claim arises from a contract, the documents are GST invoices and delivery records, and the remedies are civil and quasi-judicial. Treating a commercial debt like a consumer loan, by sending agents to the buyer's office, is both ineffective and risky.
FundRaksha handles commercial debt only. Our advocates know that a purchasing manager who has ignored six emails will read a legal notice, and that his finance head will read the paragraph on GST credit reversal and Section 43B(h).
Common commercial debts we recover
- Supply of goods on credit terms: raw material, components, finished goods, consumables
- Service contracts: IT, consulting, marketing, staffing, facility management, maintenance
- Distribution and dealership dues, including unsettled credit notes and scheme claims
- Works contracts: running account bills, final bills and retention money
- Transport, warehousing and freight forwarding bills
- Licence fees, royalties and recurring subscription dues between businesses
For specialised dues, see distributor dues recovery, retention money recovery and freight and logistics dues.
The summary suit: the commercial creditor's fast lane
Order XXXVII of the Civil Procedure Code exists for exactly this situation. If your claim is for a liquidated sum under a written contract, invoice or bill of exchange, you can file a summary suit. The defendant cannot simply file a defence; he must apply for leave to defend and show a genuine, triable issue. If he cannot, judgment follows without a trial. Commercial courts in major cities handle these matters with fixed timelines for pleadings.
The summary suit must be filed within three years of the due date. A written acknowledgement or part-payment by the buyer within that period restarts the clock. Our advocates often secure such an acknowledgement during the notice stage, which both strengthens the claim and extends the time available. See summary suit recovery.
How FundRaksha handles a commercial recovery
- Free consultation and document review. We identify the contract, confirm delivery and performance, and compute the claim with interest.
- Legal notice within 24 hours, to the company and, where appropriate, to its directors or partners.
- Negotiation by the advocate. Genuine disputes are narrowed; the undisputed balance is paid first.
- Filing: summary suit, MSME Samadhaan (for Udyam suppliers), arbitration (if the contract has a clause) or Section 138 (if a cheque bounced).
- Execution of the decree or award: attachment of bank accounts, receivables or property if the buyer still does not pay.
Our fee is 30% of the amount recovered. Court fees, where a matter is filed, are borne by you and quoted before filing. Many clients find the recovery fee calculator useful before the call.
Commercial recovery across industries and states
FundRaksha works with engineering, chemicals, packaging and other industrial suppliers across India, and files wherever the contract or the law places the forum. For a city example see commercial debt recovery in Pune. Book a free consultation and we will tell you honestly whether your debt is a summary-suit case, a Samadhaan case or a negotiation.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.