Unpaid invoice collection for small businesses
Unpaid invoice collection without the guesswork. Delivered the work, sent the invoice, still waiting? We’ll match you with an experienced collection agency or creditor law firm that recovers past-due invoices from other businesses.
- Free review and matching
- Contingency pricing is common: agencies are paid from what they recover[source]
- You approve terms before anything is placed
Prefer email? Write to info@smallbizdebtcollection.com.
Who this is for
Small businesses owed money by other businesses: contractors and suppliers, trucking and logistics firms, agencies and consultants, wholesalers and manufacturers, staffing firms and professional services. If your debtor is an individual consumer, different laws apply and this service isn’t the right fit.
How unpaid invoice collection works after you submit
- Review. We confirm it’s a business debt and note the amount, age, debtor state and documents.
- Match. We introduce you to an experienced partner suited to that claim, usually a collection agency for unpaid invoices, or a creditor attorney for larger or contested ones.
- Agreement. The partner explains fees and process in writing. You decide.
- Recovery. The partner contacts the debtor, negotiates, and escalates only with your authorization.
Before you place an invoice
If you haven’t yet, send a written demand; it resolves many accounts on its own. Use our free demand letter template, and see the full unpaid invoice collection timeline. When you’re ready to escalate, the right partner can step in immediately.
What it typically costs
Published contingency ranges run from about 20% to 50%[source] or 25% to 50%[source], depending on age, size and difficulty. Matching is free to you; see how we’re paid. Estimate your net with the after-fee calculator.
What to have ready
- Invoices and statements
- Signed contract, proposal or purchase order
- Proof of delivery or completion
- Your reminders, call notes and demand letter
- Contacts at the debtor, including the owner or officer
- Any personal guarantee or credit application
Frequently asked questions
What is unpaid invoice collection?
It is the process of recovering money a customer owes on an invoice that is past due, either through your own reminders and demand letters or through a collection agency or attorney acting for you.
Do I pay anything upfront?
Not for our matching. Most collection agencies work on contingency, keeping a percentage of what they recover, but terms vary, so confirm any setup or legal costs in your written agreement with the partner.
How old can an invoice be?
Partners review invoices of any age, but recovery generally gets harder as a debt ages. Business News Daily reports most companies place accounts at 90 to 120 days past due. Very old debts may also be limited by your state’s statute of limitations.
Will the agency damage my customer relationship?
Experienced agencies aim to collect professionally. Ask any partner how they contact debtors and whether they offer a softer early-stage approach if you want to keep the customer.
Owed money by another business?
Tell us about the unpaid invoice and we’ll match you with an experienced collection partner suited to its size, age and location. Matching is free.
Get matched with a collection partner