What is a Mercantile Enquiry?

A mercantile enquiry is a permanent mark left on a company’s credit file when a mercantile agent (such as a debt collection agency with a Mercantile Agent Licence) views it. To future creditors a mercantile enquiry suggests that a business has encountered debt issues in the past.

It’s important to note a mercantile enquiry is not a black mark or default as no information about the debt is listed, but informs future creditors that a debt collector has looked at their credit file.


Lodge your mercantile enquiry

Fill out the form below and we’ll send you a quote. The cost per enquiry starts at $110


Debtor is sent
a formal letter

We send a formal notification letter to the debtor who then has 14 days to resolve the debt.


Mercantile enquiry is enforced

If the debt remains unpaid a permanent mercantile enquiry is left on the debtors credit file.


Benefits of a Mercantile Enquiry


Encourage Debt Payment

A mercantile credit enquiry encourages debtors to pay outstanding invoices within 14 days, before a permanent record is left on their credit file.


Prevent debtor from causing issues.

If a permanent mercantile enquiry is left on a company’s credit file, future creditors are more likely to be wary of extending credit to them.


Fees schedule for mercantile enquiries

Debt Value Letter Fee Mercantile Enquiry Fee
$0 - $2,500 $100 + GST $66.00
$2,501 - $5,000 $150 + GST $66.00
$5,001 - $7,500 $180 + GST $66.00
$7,501 - $10,000 $200 + GST $66.00
$10,001 - $15,000 $250 + GST $66.00
$15,001 + $300 + GST $66.00