Saldora Commission-free B2B debt recovery

B2B debt recovery · 0% commission

Recover what you’re owed.
Keep 100% of it.

Saldora handles recovery from the first reminder through filing in the e-court and referring the case to a bailiff. You entrust us with the process, and recovered money stays with your business.

Company → bank account → debt. Create your account at the end.
Submit a debt See how it works

Pilot service for businesses. Start with one invoice—you’ll know the scope and cost before any action begins. Prefer to talk first? kontakt@saldora.pl

  • 0% commission on recovered amounts
  • Know the price before you start
  • Legal steps only with your approval
  • A complete record of every contact and decision

Costs under control

Debt recovery that makes sense even for smaller invoices.

With commission-based pricing, the cost rises with the amount recovered. At Saldora, every stage has a fixed price based only on the outstanding balance band. From the outset, you know what you’ll pay and what the service includes.

You keep the full amount recovered

We take no percentage of the debtor’s payment—you pay for a specific action carried out.

Choose the stage you need

The PDF payment demand is included in amicable recovery. Our e-court service includes filing the claim and handling proceedings for a payment order.

Automation keeps the process on track

The system tracks deadlines and records every action, while irreversible steps wait for your approval.

A straightforward process

Add an invoice. Saldora keeps every next step on track.

We begin with clear, amicable communication. Contact becomes more formal only when earlier attempts do not result in payment.

  1. Email & SMSDays +1, +4, +7
  2. Voice contactDay +10 · optional
  3. Formal remindersDays +14, +18, +21, +30
  4. PDF demandYour approval · included
  5. e-CourtWe file the claim
  6. Payment orderCourt decision
  7. BailiffYou nominate the office

Payment at any stage? Record full payment and we stop further contact.

Customer reports a problem?

Review the response and pause the case while clarifying or agreeing next steps.

Still no payment or explanation?

We check the balance and agree the next step. The PDF demand and referral to the e-court require your approval.

Days are counted from the invoice due date. The diagram shows a workflow, not a guaranteed recovery time. Channel availability is confirmed before the pilot starts.

01Reminders that put the facts in order

We start with a courteous reminder identifying the creditor, invoice, due date and outstanding amount. Your customer receives the information needed to pay and a way to report an existing payment or a concern about the invoice.

  • Day +1: first email reminder.
  • Day +4: a short SMS reminder.
  • Day +7: a follow-up email reminder.
02An additional request to get in touch

The extended workflow offers an automated voice notice asking for contact about business correspondence. It is a short message, not a conversation with a negotiator. It does not disclose the debt amount to whoever answers.

  • Available once the voice channel is activated for the service.
  • Each call request requires your approval.
  • This step is skipped if the channel is not active.
03More formal, still amicable

If the balance remains outstanding, subsequent messages clearly restate the overdue payment. We keep the tone factual and retain the contact history. Court proceedings are not presented as inevitable. The final amicable notice waits for the creditor’s decision.

  • Days +14 and +21: email notices; day +18: an SMS notice.
  • Day +30: final notice after your approval.
  • Contact limits and channel blocks apply throughout.
04A specific payment demand, ready for your review

Prepare a pre-litigation payment demand using the case data. Before sending, review the parties, invoices, principal, calculated interest, compensation and payment deadline. The PDF is included in the amicable recovery package, with no separate charge.

  • Review the wording and calculations before approval.
  • Email the PDF after approval and channel activation.
  • A recorded full payment stops further escalation.
05We file and handle your e-court case

After your approval and the required authorisation, we file the claim in the e-court. We check the documents, current claim amount and party details, then handle proceedings for a court payment order. You do not need to draft the claim or manage court correspondence yourself.

  • You provide documents and approve court action.
  • We take care of filing and handling the proceedings.
  • The e-court service has a fixed price; the court fee is separate.
06From a payment order to an enforceable title

We monitor the proceedings and keep you informed of the outcome. Once a payment order is final and has an enforceability clause, the debt can proceed to enforcement. The court decides whether to issue an order; if there is an objection or discontinuance, we agree the next steps with you.

  • We check whether the order can support enforcement.
  • A payment order is not a payment from the debtor.
  • Full payment removes the need for further recovery.
07We refer the case to your nominated bailiff

If the debt remains unpaid after an enforceable title is obtained, we handle the enforcement application and refer it to the bailiff you nominate. The choice of office is subject to statutory rules. You nominate the bailiff and we handle the referral formalities.

  • We update the enforcement amount for recorded payments.
  • The bailiff conducts enforcement; its costs are separate.
  • Recovery also depends on the debtor’s assets and circumstances.

Why start with a reminder and respond to replies? Explore findings from repayment research ↗

Once you record a payment, the workflow stops. Every contact attempt—including unsuccessful ones—is saved in the case record.

Transparent pilot pricing

Choose the stage. Know the price before you start.

Prices shown are per case and exclude VAT. The price band is based on the amount still outstanding. We add no commission to money recovered from the debtor.

Outstanding balance

Below PLN 5,000

Amicable debt recovery

PLN 49.00 excl. VAT

  • Pre-litigation demand: included in the package
  • E-court service — filing the claim: PLN 99.00
  • Registered letter with acknowledgement of receipt: PLN 19.00
Submit a debt

Outstanding balance

PLN 5,000–19,999.99

Amicable debt recovery

PLN 99.00 excl. VAT

  • Pre-litigation demand: included in the package
  • E-court service — filing the claim: PLN 199.00
  • Registered letter with acknowledgement of receipt: PLN 19.00
Submit a debt

Outstanding balance

PLN 20,000 and above

Amicable debt recovery

PLN 199.00 excl. VAT

  • Pre-litigation demand: included in the package
  • E-court service — filing the claim: PLN 399.00
  • Registered letter with acknowledgement of receipt: PLN 19.00
Submit a debt

Pricing model comparison

A fixed price does not rise with the amount recovered.

Example outstanding balance Saldora: full recovery path Example: 9% commission Example: 12% commission
PLN 3,000.00 PLN 148.00 PLN 270.00 PLN 360.00
PLN 8,400.00 PLN 298.00 PLN 756.00 PLN 1,008.00
PLN 40,000.00 PLN 598.00 PLN 3,600.00 PLN 4,800.00

The full service combines amicable recovery with the PDF demand and e-court handling including filing. Court and enforcement costs are separate. The 9% and 12% columns are mathematical commission examples, not another company’s offer.

Court fees and enforcement costs are separate from our service price. Once instructed and duly authorised, we file the claim and handle the e-court proceedings. After obtaining a final payment order with an enforceability clause, we refer the enforcement application to the bailiff you nominate, within the statutory rules of choice. The court decides whether to issue an order.

Start with one case
REGULAR RECOVERY

More invoices. One monthly plan.

Start

PLN 199.00net / month

5 new cases each month

Email, SMS, phone contact and a PDF payment demand included.

10% off e-court claim filing

Debt below PLN 5,000
PLN 89.10
PLN 5,000–19,999.99
PLN 179.10
PLN 20,000 and above
PLN 359.10
Net service prices after discount. Court fees are charged separately, without a discount.
Start with your debt →

Biznes

PLN 299.00net / month

10 new cases each month

Email, SMS, phone contact and a PDF payment demand included.

20% off e-court claim filing

Debt below PLN 5,000
PLN 79.20
PLN 5,000–19,999.99
PLN 159.20
PLN 20,000 and above
PLN 319.20
Net service prices after discount. Court fees are charged separately, without a discount.
Start with your debt →

Skala

PLN 699.00net / month

30 new cases each month

Email, SMS, phone contact and a PDF payment demand included.

30% off e-court claim filing

Debt below PLN 5,000
PLN 69.30
PLN 5,000–19,999.99
PLN 139.30
PLN 20,000 and above
PLN 279.30
Net service prices after discount. Court fees are charged separately, without a discount.
Start with your debt →

Net prices + 23% VAT. Monthly card payments. Unused slots do not roll over; covered cases remain in service. E-court services are billed separately, with the discount of the plan active when the service fee is recorded. Pricing depends on the outstanding debt. Court fees and registered mail are not discounted.

Clear terms

Key questions before you start.

Do I pay commission on the amount recovered?

No. Every stage has a fixed price based on the outstanding balance band. You receive the debtor’s payment in full.

Does Saldora guarantee recovery?

No. The outcome depends on factors including the debtor’s circumstances and the quality of the supporting documents. What you do get is a transparent process, a fixed cost and a record of every action taken.

Is everything sent automatically?

Scheduled reminders and payment notices may be sent automatically. A pre-litigation demand, registered letter and court claim always require your approval.

What happens when the customer pays?

Record the payment in the client portal and the system stops further contact. The case status is checked again before every irreversible step.

Do you take the case straight to court?

No. We start with amicable contact. If payment does not follow, we file in the e-court with your approval and handle proceedings for a payment order. Once an enforceable title is obtained, we can refer the case to the bailiff you nominate.

How do you prevent excessive contact?

Messages are factual and identify both the creditor and the basis of the claim. The system applies frequency limits, records every contact attempt and honours requests to stop contact through a given channel.

Know before you decide

Understand the process. Make an informed choice.

Practical answers about unpaid invoices, documents and the next steps in B2B debt recovery.

01 / Amicable recovery

Amicable B2B debt recovery: what to do when an invoice is overdue

How Saldora handles overdue invoices: email and SMS schedules, contact rules and fixed pricing with a PDF payment demand included.

Read the guide
02 / Documents

PDF payment demands: what to check before sending

What goes into a pre-litigation payment demand: parties, invoices, balance, calculations and deadline. Learn how to prepare and approve the PDF in Saldora.

Read the guide
03 / e-Court

e-Court: we file your claim and handle payment order proceedings

Saldora files in the e-court and handles proceedings for a payment order. Once an enforceable title is obtained, we refer the case to your nominated bailiff.

Read the guide
05 / From court order to enforcement

An e-court payment order and the bailiff: we handle the process from start to finish

From filing in the e-court to a payment order and enforcement. Saldora handles the case and the creditor nominates the bailiff. Explore the stages, formalities and costs.

Read the guide

Pilot service

Have an unpaid invoice? Start with one case.

Tell us the outstanding amount and payment due date. We’ll come back with the scope, price and details of what we need to start the case.

Submit a debt I already have an account

We do not promise an outcome before reviewing the case. You approve every escalation.