# Leasing rent collection in Tunisia: the method

> How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.

Source : https://virement.tn/en/blog/leasing-rent-collection-tunisia — last updated : 2026-09-19

Collecting leasing rent does not start on the day of the delay: it starts at the **creation of the contract**, when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.

## 1. Start from a reliable schedule

Each contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.

## 2. Remind *before* the due date

A large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, **three days before** — costs almost nothing and avoids part of the delays.

## 3. Detect the delay the very next day

Don't discover a delay at month end. The delay must be calculated **every day**, per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.

## 4. Follow up in steps

A single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: **a follow-up must not be sent twice** for the same step.

## 5. Frame it with penalties and a default threshold

- **The late-payment penalty**, if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.
- **The default threshold**: after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).
- **Flexibility**: postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.

## 6. Steer with four indicators

| Indicator | Question it answers |
| --- | --- |
| Collection rate | What share of what is due has been collected? |
| Weighted average delay | What is the average age of delays, taking amounts into account? |
| Overdue installments | How many, and for what amounts? |
| At-risk contracts | Which ones should be handled first? |

The average delay *weighted by amount* prevents a small, very late rent installment from masking a large, slightly late one.

## What this looks like with virement.tn

This is exactly the mechanism of [virement.tn for leasing](/en/leasing-tunisia): a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.

Want to understand the logic of installments themselves? See the [installment payments](/en/installment-payments) page.

## Frequently asked questions

### When should you chase a late lessee?

As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.

### Which indicators should you track to steer collections?

The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.

### Should a penalty be applied for every delay?

It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.