Unpaid invoices can cripple your cash flow. But not all collection agencies are created equal. We've analyzed the top players in the B2B space to find the ones that combine high recovery rates with transparent processes. Here are five agencies
The State of B2B Debt Collection in 2026
Late payments remain a persistent challenge for businesses of all sizes. According to recent data, the average B2B invoice is paid 30 days past terms, and a significant portion of receivables end up in collections. The commercial debt collection industry has evolved to meet this challenge, with agencies now offering technology-driven portals, flexible payment plans, and global reach. Whether you're a small business or a multinational corporation, choosing the right partner can mean the difference between recovering your cash and writing off a loss.
How We Ranked These Agencies
We evaluated each agency based on five key factors: recovery rate, industry experience, geographic coverage (domestic and international), client service and technology, and pricing transparency. We also considered client reviews and the range of services offered, from amicable collection to legal escalation.
Here's a quick comparison of the top five commercial debt collection agencies to help you find the right fit for your business.
| Provider | Best For |
|---|---|
| ALTUS | Large-scale B2B collections with international reach |
| Stevens & Ricci | High-value B2B claims requiring legal leverage |
| Atradius Collections | International B2B debt collection with amicable resolution |
| Verliance | Experts in Asset Recovery | Personalized B2B collections with flexible payment options |
| The Kaplan Group | High-success-rate commercial collections with personal attention |
Detailed Reviews of the Top 5 Commercial Debt Collection Agencies
#1 ALTUS
A screenshot of the ALTUS website.
ALTUS is North America's largest B2B collection agency, with 30 years of experience and licensing in all 50 states and 67 countries. They combine cutting-edge technology with personalized service, making them a powerhouse for businesses of all sizes. Their legal escalation model and asset reports give you leverage even with difficult debtors. If you need a partner that can handle high-volume or complex international claims, ALTUS has the infrastructure to deliver.
#2 Stevens & Ricci
A screenshot of the Stevens & Ricci website.
Stevens & Ricci takes an attorney-led approach to commercial debt collection, focusing on claims of $10,000 or more. They boast a recovery rate of over 72% since 1997, well above the industry average of 28%. By leveraging a nationwide network of attorneys, they apply legal pressure to get results quickly, often within 30 to 45 days. Their contingency-based model means you pay nothing unless they collect, making them a low-risk option for high-value claims.
#3 Atradius Collections
A screenshot of the Atradius Collections website.
Atradius Collections is a global B2B debt collection agency with a strong focus on amicable, non-contentious solutions. They offer streamlined accounts receivable services, demand letters, and credit tools tailored to your needs. With offices in over 30 countries, they are ideal for businesses trading internationally. Their 'no win, no fee' model reduces your financial risk while improving cash flow.
#4 Verliance | Experts in Asset Recovery
A screenshot of the Verliance website.
Verliance is a commercial debt recovery agency specializing in business-to-business collections across the U.S. and internationally. They offer payment plans, dispute resolution, and placement services, all with a focus on personalized service and competitive rates. Their client access portal and multiple payment options make it easy for you to manage accounts and for debtors to settle. If you're looking for a smaller, more hands-on agency that still covers international accounts, Verliance is a solid choice.
#5 The Kaplan Group
A screenshot of The Kaplan Group website.
The Kaplan Group is a commercial-only collection agency with an impressive 85% success rate. They handle claims from $1,000 to $1 million, with a focus on large claims personally managed by founder Dean Kaplan, who has over 30 years of experience. Their expertise in international collections and personal guaranty enforcement sets them apart. For businesses that need a specialist who understands complex B2B debt, The Kaplan Group delivers results.
How to Choose the Right Commercial Debt Collection Agency
Start by assessing the size and age of your outstanding claims. Some agencies specialize in large claims, while others handle smaller amounts. Consider whether you need international coverage or a focus on domestic collections. Look for an agency that offers transparent pricing, whether contingency-based or flat fee. Finally, read client testimonials and ask about their recovery rate for businesses similar to yours.
Streamlining Your Collections Workflow
Many agencies now offer client portals where you can upload claims, track progress, and communicate with collectors. Some also integrate with accounting software like QuickBooks or Xero. To automate your process, set up automatic claim submissions for accounts that are 60+ days past due, and use the portal to generate real-time reports on recovery rates and aging receivables.
Final Thoughts: Recover What's Yours
Unpaid invoices don't have to be a permanent loss. The right commercial debt collection agency can turn your receivables into cash, often without damaging customer relationships. Whether you need the scale of ALTUS, the legal muscle of Stevens & Ricci, or the personalized touch of Verliance, there's a partner that fits your needs. Take action today and stop leaving money on the table.