Nexa Collections

Commercial Collection Agency: Recover B2B Debts

Commercial collection (also known as B2B debt collection), refers to the process of recovering money owed by one business to another.

Quick Facts:

  • We achieve an average recovery rate of almost 80% on viable claims, which we define as accounts under one year old that include complete supporting documentation.
  • Our objective is to settle your case without resorting to legal action. Our expert commercial recovery specialists devise a custom strategy tailored to the specific scenario of your claim. This approach also helps to maintain your customer relationships.
  • Our collectors work on a commission-only basis, meaning they are paid only upon successful recovery. This structure ensures your account is handled with the utmost care and persistent effort, as our success is directly aligned with yours.
  • No Recovery, No Fee.  No monthly fee. No Onboarding fee or any hidden charges.
  • Faster recovery. Lower write-offs.
  • First outreach within 24–48 hours of placement
  • Best results when accounts are <180 days past due
  • Coverage: All 50 states + Puerto Rico 
  • Attorney escalation when justified

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Serving Nationwide – Low Fee

Our Professional B2B Recovery Process

  • Account Review & Audit: The first step is to review all documentation (contracts, purchase orders, invoices, past communications) to verify the debt’s validity and understand the business relationship.

  • Initial Professional Contact: The collector makes initial, non-confrontational contact via phone and email. The goal is to establish a dialogue, understand why the bill hasn’t been paid, and confirm the right contact person (like a CFO or A/P manager).

  • Formal Demand Letters: If initial contact fails, the collector sends a series of formal demand letters on their letterhead. These letters gradually increase in urgency.

  • Active Negotiation: The collector actively works to find a solution. This is different from consumer collections and involves professional negotiation, such as offering a structured payment plan or (with your approval) a settlement for a lump-sum payment.

  • Persistent Follow-Up: This stage involves a regular, persistent schedule of calls and emails. The goal is to keep the unpaid invoice at the top of the debtor’s priority list.

  • Final Demand & Legal Review: If the debtor remains unresponsive, the collector issues a final demand, stating that the next step is escalation.

  • Legal Action (Last Resort): With your explicit permission, the collector will forward the file to an attorney to initiate legal proceedings, such as filing a lawsuit to obtain a judgment.

The Ultimate Guide to B2B Commercial Collections

Recovering unpaid invoices in a business-to-business (B2B) environment is fundamentally different from consumer collections. It’s not just about recovering money; it’s about retaining professional relationships, protecting your brand, and navigating complex commercial transactions like purchase orders, service contracts, and disputed invoices.

Our goal is to recover what you’re owed while safeguarding your reputation and, where possible, preserving your client relationships.

Commercial vs. Consumer Collections: A Critical Distinction

This is the single most important concept in B2B recovery. Understanding this difference is key to protecting your business from legal risk and ensuring a successful outcome.

  • The Legal Landscape: The FDCPA (Fair Debt Collection Practices Act), which governs most collection activity, does not apply to commercial debt. It exclusively protects individual consumers. B2B recovery is governed by a different set of rules, including:
    • State Contract Law: The signed agreements and invoices.
    • Uniform Commercial Code (UCC): Governs the sale of goods.
    • TCPA (Telephone Consumer Protection Act): This federal law does apply to B2B calls made using certain automated technology.A partner who doesn’t know this distinction is a major liability.
  • The Relationship: A consumer is a customer; a B2B client is often a partner. The approach must be professional, diplomatic, and non-adversarial. Our goal is to negotiate, not intimidate, as you may want to work with this client again.
  • The Complexity: B2B debts are rarely simple. They involve invoices, purchase orders, credit applications, and personal guarantees. Disputes are common (“The parts were late,” “The service wasn’t what we agreed on”). We are experts at auditing these documents to validate the debt.
  • The Decision-Makers: We aren’t calling a single person. We are navigating a corporate structure to find the person with payment authority, whether that’s an Accounts Payable manager, a CFO, or the business owner themselves.

When Should My Business Use a B2B Partner?

It’s time to stop internal efforts and call for help when you see these red flags:

  • The 90-Day Mark: Once an invoice is 90+ days past due, the probability of full recovery drops dramatically with every passing week.
  • Broken Promises: The client has made multiple promises to pay (“The check is in the mail,” “We’ll pay next Friday”) but has not followed through.
  • No Contact / “Ghosting”: Your calls now go directly to voicemail, your emails are ignored, and your contact has “left the company.”
  • Invalid Disputes: The client suddenly claims the product/service was faulty, but only after the invoice was 60 days past due.
  • Financial Red Flags: You hear rumors they are laying off staff, being sued by other vendors, or have changed their business name.

Notes on Our Process:

  • For Steps 1-2, payments go directly to you with no extra fees.
  • We provide free bankruptcy screening and litigious debtor checks on all accounts.
  • We can collect in all 50 states and Puerto Rico.

Industries We Specialize In

We work with all businesses, but have deep, specialized experience in:

  • Both Small and Large businesses.
  • Manufacturing & Wholesale/Distribution
  • Professional Services (Law firms, accounting firms, marketing agencies)
  • Healthcare & Medical B2B (SaaS, medical equipment suppliers)
  • Construction & Contractors (Material suppliers, subcontractors)
  • Logistics & Transportation
  • SaaS & Technology

Why Switch to Us? A Modern, Reputation-First Approach

If you’re unhappy with an old-school agency, you are not alone.

  • Better B2B Rates: Our contingency fee (as low as 20%) is designed for commercial accounts and is often half the rate of consumer-focused agencies.
  • We Protect Your Brand: Old agencies use aggressive tactics that burn bridges. We act as professional, diplomatic negotiators to preserve your reputation.
  • Full Compliance: We are experts in the complex web of B2B-specific laws (like TCPA and state UCC codes), protecting you from liability.
  • Transparent & Cost-Effective: We blend low-cost fixed-fee options with a no-risk contingency model. You never pay a commission on our fixed-fee services.
  • Better Technology: We use modern data tools and investigative techniques to locate new decision-maker contacts in companies that have moved or restructured.

Frequently Asked Questions

  • What information do I need to get started?
  • A: You will need copies of the invoices, any signed contracts or purchase orders, the credit application, and a log of your own contacts.
  • What if our customer is a very large corporation?
  • A: We are experts at navigating complex corporate structures. Our job is to bypass the run-around and get to the true decision-maker (like a CFO or VP of Procurement).
  • What if the client is disputing the invoice?
  • A: This is common in B2B. We act as third-party mediators to professionally validate the debt and get to the root of the dispute, which often uncovers the real reason for non-payment.
  • Can’t I just sue them?
  • A: Litigation is extremely expensive and slow. Our services are designed to resolve the account before legal action is needed, saving you thousands in legal fees. There is also a chance of a counter lawsuit.

Ready to Recover Your Revenue?

Stop letting aged receivables hurt your cash flow.

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