WORLD→INDIA
Owed money by an Indian company
For overseas suppliers, service providers, lenders and insurers with an unpaid Indian B2B receivable.
GGA INDIA · REVENUE INTELLIGENCE, ASSURANCE & REALIZATION
Revenue earned should become cash.
B2B debt collection, receivables management and dealer, customer or vendor verification—for Indian businesses, overseas creditors and Indian exporters.
2002Operating since100%B2B focus200+Specialists17India cities
THE REVENUE-TO-CASH JOURNEYGGA can intervene before or after an invoice becomes overdue.
01SALEProduct or service agreed
→02INVOICERevenue becomes receivable
→03PAYMENT PROCESSAcceptance · approval · AP · treasury
→04CASHCash reaches your bank
WHERE CAN IT BREAK?
GGAIdentify the cause→Create ownership→Manage resolution→Realize cash→Learn
WHERE IS THE RECEIVABLE?
Choose the operating route.
Domestic, Government and cross-border receivables follow different payment paths.
INDIA→WORLD
Indian exporter owed by an overseas buyer
For Indian exporters managing an unpaid overseas receivable, including insured and ECGC-sensitive matters.
INDIA→INDIA
Indian company with a domestic receivables book
For companies that need Revenue Assurance or Revenue Realization across corporate, dealer or Government receivables.
START WITH THE WORK YOU NEED DONE
Find the right receivables or verification service.
Collect overdue B2B debtsCorporate invoices, old balances and evidenced recovery action.
Manage ongoing receivablesInvoice acceptance, payment follow-up and customer-side approvals.
Recover dealer and distributor duesActive, dormant and terminated channel accounts.
Pursue Government and PSU paymentsBills, retention and other documented release items.
Check a dealer, customer or vendorNew relationships, existing counterparties and portfolio reviews.
Recover an Indian supplier advanceNon-delivery, cancellation and disputed refunds.
WHEN NORMAL FOLLOW-UP IS NOT ENOUGH
Which situation looks familiar?
The dealer stopped buying. Dues remain.
Old balances, scheme claims and missing ownership need a consistent work plan.
Dealer duesService and AMC invoices remain unpaid
Trace the submitted invoice, acceptance and customer-side payment event.
Post-sale invoicesThe project ended; the release did not
Track retention, deposits and guarantees as distinct release objects.
Project close-outsWe don't touch the money your sales team sells. We collect the money nobody owns.
For agreed domestic engagements, GGA’s six-month operating objective is recovery or an evidenced account classification. This is not a recovery guarantee; scope, debtor response and legal proceedings can change the timetable.
WHAT NEEDS TO HAPPEN?
See the complete GGA architecture →One system. Three clear services.
TWO WAYS TO USE GGA
Start from invoice submission—or when money is already overdue.
The intervention changes with the age and cause of the receivable.
FROM INVOICE SUBMISSION
Prevent avoidable delay
Use Revenue Assurance and Invoice Lifecycle Management to keep valid invoices payment-ready, visible and owned.
SaleInvoiceApprovalCash
Start before ageing becomes the system →OVERDUEResolve what has become stuck
Use Revenue Realization to expose the real cause, unlock evidence and ownership, and manage a credible route to cash.
Time ↑ · options narrow
Act on an overdue receivable →GGA RESEARCH & INSIGHTS
Three questions behind better cash conversion.
ENGAGEMENT EVIDENCE
What changed in real receivables assignments.
PROJECT BUSINESS · ENGAGEMENT-SPECIFIC RESULT
70% of assigned overdue recovered
Recorded in a one-year project-business engagement as at June 2022. A further 20% was classified as collectable and under follow-up; 10% was classified as customer-service or no-intent issues.
Review the engagement and evidence boundary →TRADE CHANNEL · SIX-MONTH RESULT27% recovered from a 540-account book
The assignment also separated collectable accounts, service issues, missing counterparties and cases requiring a different route.
See the operating dashboard →CLIENT TESTIMONIALS
View selected client comments →Themes from client feedback
A sustained reduction in older receivables
GGA summary of client feedbackFeedback highlights improved receivables discipline and the value of GGA working closely with the client's team.
Results, value and communication
GGA summary of client feedbackFeedback highlights communication, persistence and the value received from the working relationship.
Anonymous comments supplied by GGA management and edited lightly for clarity. Client-reported results describe individual engagements, are not a general forecast and have not been independently verified for publication. Names and logos remain confidential.
Request a confidential reference discussionGGA INTERNAL OPERATING BENCHMARK
Average collection outcomes by invoice age
GGA’s internal benchmarks, based on collections by value across Revenue Assurance and Revenue Realization engagements spanning multiple clients and sectors.
Methodology note: These are rolling internal averages rather than a fixed-cohort study. Invoice age is calculated from the invoice date. The underlying portfolio changes continually as debtor accounts are added, collected, removed or reclassified. Disputed, insolvent and other difficult receivables remain included while actively managed. Matters transferred to legal proceedings and accounts subsequently removed under GGA’s ‘Risk’ classification are excluded from later calculations. Outcomes vary by documentation, dispute status, debtor circumstances and timing of intervention.
These descriptive internal benchmarks are not a forecast, guarantee or probability of recovery for an individual invoice or portfolio. Read the evidence, exclusions and comparison →
GGA FEATURED THINKING · PINNED
Three operating ideas behind the GGA model.
SUBMISSION → CASH
See the lifecycle →
DIAGNOSIS + OWNERSHIP
See the GGA model →
TIME + RECOVERY ECONOMICSUnderstand the decay curve →
Invoice Lifecycle Management
Follow the invoice through submission, acceptance, approval, payment proposal and cash—with one visible owner and next event.
Peeling the Onion and the Three Locks
Move beyond the stated excuse, then unlock evidence, ownership and the customer payment process together.
Receivables Decay
Why evidence, liquidity, people and available recovery routes often deteriorate as unpaid invoices age.
USE THE ECONOMICS OF DELAY
What is this receivable costing while it waits?
Estimate simple financing or carrying cost. The number updates as you type.
ESTIMATED SIMPLE CARRYING COST2,95,890
1,00,00,000 INR × 12.0% × 90 days ÷ 365
All monetary results: INR (₹).Enter full units of the selected currency. Changing the currency changes labels and number formatting only; it does not convert amounts.Receivables decay90 days overdueIllustrative operating pressure—not a recoverability forecast.
Method: Outstanding Amount × Annual Cost of Capital × Delay Days ÷ 365. Excludes management time, opportunity cost, recovery cost and bad-debt risk.
GOVERNANCE + CAPACITY
See engagement governance and capacityA ledger engagement needs an operating system.
Named ownership, a defined reporting rhythm, an escalation ladder and an open-items register support focused engagements. B2B engagements can include up to 1,000 accounts per client; dealer and distributor portfolios can extend to 7,500 cases.
BASED IN INDIA
Protect and realize revenue.
Improve receivables →Government & institutional payments →Check customers, vendors & dealers →Recover export receivables →DOING BUSINESS WITH INDIA
Understand the company. Protect the transaction.
Customer IntelligenceVendor IntelligenceVerify on the ground →Recover an unpaid Indian invoice →TIME IS NOT NEUTRAL
The economics of delay change as receivables age.
A conceptual management view—not a prediction for an individual account.
HigherLower
Collection efforttends to rise
Financing / carrying costaccumulates
Recovery probabilitycan deteriorate
InvoiceDue date306090180365+
Conceptual management framework. The curves show direction, not universal recovery percentages or a forecast for a live matter.
GGA RESEARCH & INSIGHTS
Evidence before assertion.
GGA research examines how revenue becomes receivable, why payment is delayed and how financial, commercial and operating evidence should inform management decisions.
CASE EVIDENCE
See the operating problem, intervention and result.
Explore GGA's case evidence across projects, healthcare, pharmaceuticals, agri-inputs, trade channels and Government receivables.
View case studies →FROM THE FOUNDER
Receivables are a management system, not a month-end activity.
Founder Perspectives examines the commercial decisions and payment behaviours behind the ageing report.
Read Founder Perspectives →READY TO ACT?
Start with the decision in front of you.
Questions credit managers ask us
- Customer not paying your invoice in India: what to do — Customer not paying your invoice in India? See every option in order, from reminder and legal notice to MSME ODR, summary suit, Section 138 and IBC.
- Retention money not released after project completion: how to get it back — Retention money not released after project completion? See which certificates and records unlock it, and how to recover it from any project client.
- Government department or PSU not releasing my payment: where is the bill stuck and what can I do? — Government department not releasing payment? Find where the bill sits: measurement, passing, sanction, funds or treasury, and how to move it.
- What does a collection agency cost in India, and what does GGA charge? Success commission is based on cash actually received. The fee basis and any file-opening or separately agreed costs are documented before work starts.
- Overseas buyer not paying: what an Indian exporter should do in the first 30 days — Overseas buyer not paying? What an Indian exporter should do in the first 30 days: written default, ECGC report, stop shipments, evidence and the bank clock.
- Your overseas buyer hasn't paid. How to file an ECGC claim. — Step-by-step ECGC claim guide for Indian exporters: the 30-day overdue report, the four-month rule, the 360-day filing limit, documents and why claims fail.
- Is my Indian customer still in business? How to check before you chase — How to check if an Indian company is still in business: its MCA21 status, directors, charges, GST registration and insolvency notices.
- Why is our India DSO the worst in the group? — Why is our India DSO the worst in the group? Because one global dunning process meets three Indian books, and each one needs a different last mile.