Your public sector
client paid you late.
You're owed for that. We'll buy the claim from you.
Every business paid late by a public body has a statutory right to interest and compensation. We work out what the claim is worth, make you a fixed offer, and pay within 24 hours. You don't pursue the claim — we do.
£100
An established statutory right.
Not a grey area.
The Late Payment of Commercial Debts (Interest) Act 1998 gives businesses the right to claim interest on overdue invoices. Where the debtor is a public sector body (a council, NHS trust, or government department), that right is well-defined and consistently enforceable.
The entitlement is calculated per invoice, from the day each became overdue. With a look-back period of up to six years (five years in Scotland), the total across a supply relationship can be substantial, even where individual invoices were only modestly late.
Most businesses either don't know the right exists, or know about it but assume pursuing it is too complicated or risky. Selling your claim to us removes both concerns.
Read more: Late Payment of Commercial Debts (Interest) Act 1998For most public sector contracts, interest begins accruing 30 days after the goods and services were provided or the invoice was received, whichever is later.
Statutory interest runs at 8% above the Bank of England base rate. It cannot be contracted out of for public sector debts. The right exists regardless of what your contract says.
On top of interest, each late invoice attracts a fixed compensation payment: £40 for debts under £1,000, £70 for debts between £1,000 and £9,999, and £100 for debts of £10,000 or more.
Late payment rights don't expire immediately. Claims can generally be calculated on invoices going back up to six years (five years in Scotland), meaning a longstanding public sector relationship can produce a significant entitlement.
"I don't want to damage
my relationship with the client."
It's the first thing most businesses think. It's also the most important thing to address directly, because the concern, understandable as it is, is based on a misreading of the situation.
The public body paid your invoices late. That's an objective fact, and it gives rise to a statutory right that exists independently of your commercial relationship. It's the same principle as claiming back an overpayment of tax.
More practically: we make clear we are the party making the claim, not you. Your name isn't attached to any correspondence. We engage with the public body's finance and legal teams, and do not approach your operational or contract contacts.
It's also worth understanding the risk calculus from the public body's side. Terminating a contract, or failing to renew one, because a supplier exercised a statutory and/or contractual right arising from its own failures would be unlawful. It would expose the public body to significant legal and reputational consequences. These organisations have legal departments who understand their obligations.
"Is this actually legal?"
Yes. The right to claim statutory late payment interest and compensation has existed in UK law since 1998. It applies specifically to commercial debts owed by public sector bodies.
"How much work is this for me?"
Very little. You tell us your client details, we assess the claim, we make you an offer. One document to sign. Payment within 24 hours. That's the full extent of your involvement.
"What if they dispute it?"
That becomes our problem. Once you've signed the assignment and been paid, any dispute or negotiation with the public body is handled entirely by us. You're not involved.
"What if I still supply them?"
This applies equally. Claims cover invoices already paid late. They're backwards-looking by nature. We're not pursuing anything outstanding or any future late payments after the assignment. We regularly buy claims from businesses still actively supplying the same public sector clients.
Selling beats pursuing it yourself.
Here's why.
You could pursue the claim yourself, or instruct a solicitor to do it. Most businesses don't, for understandable reasons. Here's how selling your claim outright compares.
Five steps from first contact
to payment in your account
The same straightforward process for every business. From your first message to us, the whole thing typically takes a matter of days.
Get in touch
Tell us your company details. That's all we need to get started.
Takes minutesWe check the records
We check the payment records we hold to assess whether you have a claim.
No input requiredWe make you an offer
If you have a claim, we offer you a fixed, guaranteed purchase price.
Fixed amountSign the assignment
Standard-form documents. We ask you to confirm your bank details.
StraightforwardWe pay. You're done.
Payment within 24 hours of signing. Your involvement is over.
Immediate paymentFind out where
you stand — right now
Both tools are free. There's no obligation to proceed and no commitment required.
Am I eligible to claim?
Answer a few short questions about the public sector clients you supply or have supplied. Takes two minutes. Tells you quickly whether there's likely to be a claim worth pursuing.
What's my claim worth?
Use our claim calculator to get an indication of the purchase price we're likely to offer. Based on the statutory formula applied to your specific situation.
