Smarter Dollars
商业欠款追收
Australia-wide服务全澳Based in Melbourne立足墨尔本
Recover the money that's rightfully yours.把该收的钱，收回来。
Australia-wide bilingual B2B debt collection for Chinese-Australian businesses, based in Melbourne. No Win No Fee — if we don't recover, you don't pay.
服务全澳的中英双语商业欠款追收，立足墨尔本，专为华人企业服务。收回来才收费，追不回一分不收。
The hardest part of business isn't winning work — it's getting paid for it.
生意最气的，不是没生意，是做完了钱收不回来。
Chasing a friend or fellow countryman is awkward
追熟人、同乡的钱，张不开口
The debtor is a friend, a relative or someone from your hometown network. Asking twice feels like an insult, so the invoice just sits there.
欠钱的是朋友、亲戚或同乡。开口两次就像撕破脸，于是发票一直拖着没人管。
The language barrier weakens your position
语言不通，气势先输一半
With an English-speaking debtor, every excuse sounds official and every reply takes you an hour to draft. They know it, and they use it.
面对讲英文的欠款方，对方每个借口都听着很正式，您回一封邮件要写一小时。对方清楚这一点，并会利用它。
Australian collection law is strict
澳洲追债法规严格
Too many calls, the wrong wording, or contacting the wrong person can turn you into the one facing a complaint — even though you're the one who's owed.
打电话太频繁、用词不当或联系错人，明明是您被欠钱，反而可能被投诉。
Mainstream agencies don't fit
主流追收公司不合适
No Chinese-speaking staff, they turn down smaller accounts, and the fees make a modest invoice not worth pursuing.
没有中文客服，金额小的案子不接，收费又高，小额发票追起来不划算。
Why business owners hand the file to us企业主为什么把案子交给我们
Bilingual by design
双语作业
Mandarin to build rapport and understand the real story behind the non-payment. English for the formal letters, calls and pressure that local debtors take seriously.
用中文与您沟通，弄清欠款背后的真实情况；用英文发出正式信函、致电施压，让本地欠款方真正当回事。
Firm, and fully compliant
合规施压
We work within the ACCC/ASIC debt collection guideline and state and territory fair trading rules. Persistent and firm, always inside the law — so a complaint never lands back on you.
严格遵守 ACCC/ASIC 催收指引与各州及领地公平交易规定。态度坚定、持续跟进，但始终依法进行，绝不让投诉反过来落到您头上。
Your money never touches us
你的钱不经我们手
Recovered funds are paid directly into your business account. We invoice our commission only after you've been paid. Zero risk to you.
追回的款项直接打入您的公司账户。您收到钱之后，我们才开具佣金发票。您零风险。
How the recovery process works追收流程如何进行
- 01
Free case review
免费案件评估
Send us the invoice, contract or purchase order. We assess recoverability at no cost.
发送发票、合同或订单给我们，我们免费评估追收可行性。
- 02
Formal demand
正式催收函
We issue a compliant letter of demand and open direct contact with the debtor.
我们发出符合规定的催收函，并直接与欠款方沟通。
- 03
Negotiation & recovery
协商与追收
Payment plans or full settlement, negotiated in English or Mandarin.
以中文或英文协商分期付款或一次性结清。
- 04
Funds to your account
款项转入您的账户
The debtor pays directly into your business account. You then pay our commission.
欠款方直接付款至您的公司账户，之后您再支付我们的佣金。
No Win No Fee commission rates不成功不收费 · 佣金费率
Commission is charged only on money actually recovered, and depends on both the amount and how old the debt is. GST additional.仅对实际追回的金额收取佣金，费率取决于欠款金额与欠款账龄。另加 GST。
| Amount recovered追回金额 | 0–90 days0–90天 | 91–180 days91–180天 | Over 180 days180天以上 |
|---|---|---|---|
| $0 – $2,5000 – 2,500澳元 | 20% | 30% | 40% |
| $2,501 – $10,0002,501 – 10,000澳元 | 15% | 22% | 35% |
| $10,001 – $20,00010,001 – 20,000澳元 | 12% | 18% | 28% |
| $20,001 and above20,001澳元以上 | 8% | 14% | 22% |
The sooner you hand it over, the lower our fee — and the higher the chance of getting paid.
交得越早，费率越低，追回的机会也越大。
No Win No Fee — if nothing is recovered, you pay nothing. All rates are exclusive of GST and confirmed in writing before we start.
不成功不收费——一分未追回，您无需支付任何费用。以上费率不含 GST，开始前均以书面确认。
How we recover我们如何追回
Australian-based, working nationwide
立足本地，服务全澳
We are based in Melbourne and pursue commercial debts anywhere in Australia, not an overseas call centre. Debtors can't stall us with personal favours, excuses or the 'let's catch up later' routine.
我们立足墨尔本，追收范围覆盖全澳商业欠款，不是海外呼叫中心。欠款方无法靠人情、借口或“改天再说”把我们拖住。
Persistent — we don't drop the file
持续不放弃
Systematic, documented follow-through on a set schedule. Most debts are recovered through patience, not a single angry phone call.
按既定节奏系统跟进，全程留痕。大多数欠款是靠持续的耐心追回的，而不是一通怒气冲冲的电话。
Fully bilingual, no blind spots
双语无死角
Chinese to persuade and understand the real reason behind the non-payment. English to apply formal, documented pressure that local debtors take seriously.
用中文说服沟通，弄清不付款的真实原因；用英文发出正式、有记录的施压，让本地欠款方真正重视。
Compliant, and ready to escalate
懂规矩敢升级
We know the ACCC debt collection rules and stay inside them — and we also know exactly when a matter should be escalated to legal action.
我们熟悉 ACCC 催收规定并严格遵守，同时也清楚何时应当升级为法律程序。
The money often isn't unrecoverable — it just needs someone professional, persistent, and speaking the debtor's language to pursue it.
钱要不回来，往往不是因为要不到，而是没人专业地、持续地、用对方听得懂的语言去要。
Compliance you can verify可查证的合规资质
Smarter Dollars is operated by Australia Finance Pty Ltd, ABN 41 622 645 783. We collect commercial B2B debts anywhere in Australia under the ACCC and ASIC Debt collection guideline and the fair trading rules of each state and territory.Smarter Dollars 由 Australia Finance Pty Ltd 运营，ABN 41 622 645 783。我们在全澳范围内追收企业对企业商业欠款，遵守 ACCC 与 ASIC 的《债务追收指引》及各州与领地的公平交易规定。
- Legal entity法律主体
- Australia Finance Pty Ltd
- ABN
- 41 622 645 783
- Service area服务区域
- Australia-wide服务全澳Based in Melbourne立足墨尔本
- Scope服务范围
- B2B commercial debt only仅限企业对企业商业欠款
Common questions常见问题
How much does it cost?费用是多少？
Commission is only charged on money actually recovered. The rate is agreed in writing before we start.
仅对实际追回的金额收取佣金，费率在开始前以书面形式确认。
What debts do you take?你们接受哪类欠款？
Commercial B2B debts where goods or services were supplied to another business. We do not collect consumer debt.
接受向其他企业提供商品或服务后产生的B2B商业欠款。我们不追收个人消费欠款。
Will this damage my client relationship?会影响我与客户的关系吗？
We start with professional, respectful contact. Many matters settle with a payment plan and the relationship continues.
我们以专业、尊重的方式沟通。许多案件通过分期付款解决，合作关系得以延续。
How long does recovery take?追收需要多长时间？
Many debts resolve within 2 to 6 weeks of the first demand. Disputed matters take longer.
多数欠款在首次催收后2至6周内解决，有争议的案件时间会更长。
Submit an invoice – free assessment提交发票 · 免费评估
Tell us the debtor, the amount and how overdue it is. We reply within one business day in your preferred language.告诉我们欠款方、金额与逾期时间。我们将在一个工作日内以您偏好的语言回复。
Phone电话
03 4159 8888Email邮箱
info@smarterdollars.com