Commercial debt placement
Place commercial debt with a B2B collection agency.
Unpaid business invoices need a specialist commercial collector — not a consumer shop. We match you with agencies that focus on B2B receivables in your industry and size range.
Why use a commercial collection agency?
Commercial (business-to-business) debt is generally not governed by the FDCPA, which allows a different approach than consumer collections. Experienced commercial agencies use direct negotiation with decision-makers, skip tracing of business assets, and — when needed — forwarding to a network of collection attorneys in the debtor's jurisdiction.
What to look for
- Specialization in your industry (manufacturing, wholesale, logistics, SaaS, staffing, construction)
- Contingency pricing with clear rate tiers by age and balance
- Trust-account handling of collected funds and regular remittance
- Online reporting and status updates
- Attorney network for suit and judgment enforcement
- International capability if your debtor is abroad
When to place
Many credit managers place commercial accounts at 60–120 days past due, or immediately when a debtor stops communicating, disputes in bad faith, or shows signs of insolvency. Older debt generally becomes harder to recover.
How it works
Three steps to placement
One short form replaces calling a dozen agencies.
Tell us about the debt
Debt type, total balance, age, number of accounts and location. Takes about two minutes.
We match you
We review your file and introduce you to agencies or collection attorneys that handle your debt type, size and jurisdiction.
You choose and place
Compare terms (contingency rates, fees, reporting) directly with the partner and place only if it's a fit. No obligation.
Trust & compliance
How we approach compliance
FDCPA-aware
Consumer and medical accounts are only referred to partners that represent they comply with the Fair Debt Collection Practices Act, Regulation F and applicable state law.
Vetted partners
We check licensing/bonding where required, attorney bar status, and complaint history before adding a partner to our network.
No pressure, no obligation
Matching is free for creditors. You negotiate terms directly and decide whether to place.
Your data, handled carefully
We only share your file with the partners we introduce you to.
Frequently asked questions
What is commercial debt collection?
Commercial debt collection is the recovery of money owed by one business to another, such as unpaid invoices for goods or services. It is handled by agencies and attorneys who specialize in B2B receivables.
What percentage do commercial collection agencies charge?
Commercial agencies typically charge a contingency fee that varies with debt age, balance and volume; rates often fall roughly between 15% and 35%, with older or smaller claims higher. Always confirm terms in writing.
Does the FDCPA apply to business debt?
Generally no. The FDCPA covers consumer debts incurred primarily for personal, family or household purposes. Some state laws and licensing rules may still apply to commercial collectors.
Can a collection agency collect from a business in another state or country?
Yes. Many commercial agencies collect nationally and internationally, often working with local attorneys in the debtor's jurisdiction when litigation is needed.
What documents do I need to place a commercial account?
Typically the invoices, contract or purchase orders, statements, proof of delivery or performance, correspondence, and debtor contact details.
Free, no obligation
Get matched with a collection partner
Tell us about your receivables. We'll review and introduce you to vetted agencies or collection attorneys suited to your debt type, size and state.