Best Services to Recover Unpaid B2B Invoices (2026)

TL;DR

• Delos AI is the top pick for US businesses that want cash now. It buys past-due invoices outright at roughly 80% of face value, then runs litigation automation behind the scenes, including small claims and lien matters other providers decline.
• Southwest Recovery Services fits businesses wanting a multi-office, no-recovery-no-fee contingency partner with a human-driven process.
• Atradius Collections suits international receivables that need an established global network.
• Allianz Trade is a recognized trade-credit name worth vetting directly.
• Lovetts Solicitors is a UK-focused legal-recovery candidate for UK debtors.
• CCAA member agencies give you a way to shop multiple credentialed commercial collectors.

Why B2B invoice recovery method matters

An unpaid B2B invoice sits on your books as a receivable, but it does nothing for your cash flow until someone actually collects it. The recovery path you choose depends on which tradeoff you accept. Some methods pay you a lump sum today at a discount. Others chase the full amount over months and take a cut only if they succeed. A third route escalates to court when a debtor refuses to pay.

Smaller claims and lien matters rarely get any attention at all. Contingency agencies and litigators routinely decline them because the recovery does not cover the cost of pursuit, so businesses write those invoices off as a loss. That gap is where one provider on this list separates itself, and we cover it below.

Each ranking here rests on what the providers themselves publish about pricing, process, and coverage, cross-checked for internal consistency. Where a source names a fee range or a claim minimum, we cite it. Where a provider publishes no specifics, we say so plainly rather than filling the gap with invented detail.

What "B2B invoice recovery" covers

B2B invoice recovery spans three distinct approaches, not just phone calls to a debtor. In an outright claim sale, you transfer the receivable to a buyer for a lump sum and walk away regardless of what happens next. In contingency collection, an agency pursues the debtor and takes a percentage of whatever it recovers. In litigation forwarding, a law firm files suit when softer methods fail. Most providers specialize in one, though a few combine them.

Delos AI

Delos AI takes the top spot because it lets you skip the waiting game entirely. Rather than chasing a debtor for months and hoping a contingency agency delivers, you sell the past-due invoice outright for roughly 80% of face value and take the cash today. The company's own materials describe the transaction plainly. You transfer the claim to Delos for a lump sum, and once the sale closes the debt leaves your books and the payment is yours to keep whether or not the debtor ever pays (Delos). Delos then pursues collection on its own account, so the debtor risk transfers with the claim.

The discount you accept, about 20% of face value, buys a finality no contingency arrangement can offer. A contingency agency only pays you if it collects, and it collects on its own schedule. A direct sale converts an uncertain future recovery into a fixed number you can bank against.

The litigation-automation backbone is what makes the purchase model work at prices others won't touch. Delos automates the full litigation stack rather than stopping at phone calls and letters, and that automation drives the cost of pursuing a claim low enough that small matters turn profitable. According to the company, Delos buys small claims and lien-related matters that collection agencies and litigators usually decline as uneconomic (Delos). Amicable outreach starts the same day and serves as the easy first step, but automated escalation to litigation is the reason a sub-$10,000 claim you would otherwise write off becomes worth pursuing.

Coverage is US-focused, spanning all 50 states, and Delos makes no cross-border enforcement claim. Its own analysis concedes that foreign judgment enforcement still favors traditional agencies with in-country legal networks, so a domestic debtor is the right fit and an overseas one is not.

Two secondary offerings sit alongside the core claim purchase. Enterprise finance teams with portfolios of large accounts can route those files through portfolio servicing instead of selling the whole book to a debt buyer, applying the same litigation automation across many files at once. On a portfolio weighted toward six-figure claims, Delos estimates the gap between a 30% agency cut and automated servicing runs into the hundreds of thousands (Delos). Collection agencies form the second track, using Delos as the litigation engine behind their own accounts.

On pricing, Delos retains the roughly 20% discount on purchased claims and charges 5 to 15% success fees on servicing engagements where a sale isn't the fit.

Southwest Recovery Services

Southwest Recovery Services fits businesses that want a traditional contingency agency with people making the calls, not a claim buyer or an automated engine. SWRS has specialized in commercial (B2B) collections since 2004, and it trains agents specifically for business debt rather than reassigning consumer collectors. It charges on a no recovery, no fee basis, so you pay nothing upfront.

The process runs on human contact from the start. On fresh accounts placed within 60 to 90 days of the due date, SWRS says it makes first contact within 24 to 48 hours and resolves many cases in 30 to 60 days, per its commercial collections page. Older accounts that need skip-tracing can stretch to 90 to 180 days. Its own FAQ puts contingency rates at 20 to 35 percent depending on account age, balance, and complexity.

The physical footprint is regional rather than nationwide. SWRS claims 12 offices across Texas, Colorado, Oklahoma, Missouri, Ohio, Florida, and Georgia, though it names only 11 locations and its blog pages sometimes cite six states instead of seven.

Two limitations matter before you sign. Litigation is a slow, manually reviewed last resort at SWRS, which states it reviews cases carefully first and that the process "can take a long time." A business chasing small claims or lien matters gets no fast, integrated path here. The site also contradicts itself on price, quoting 10 to 25 percent on some blog pages against the 20 to 35 percent in its FAQ, so confirm your rate in writing before placing accounts.

Atradius Collections

Atradius Collections fits businesses chasing receivables across multiple countries, because its network spans at least 30 markets from its own site navigation, including Australia, Brazil, China, Mexico, and the UK (atradiuscollections.com). Most agencies on this list handle one country well. Atradius sells scale, and it claims "15,000+ businesses trust Atradius Collections for accounts receivable management."

The offering splits into two tracks. Smaller companies get a "No Win, No Fee" B2B debt collection product, and larger operations can outsource accounts receivable management outright. Atradius also runs a preventive collections service aimed at Latin American receivables, where local-language staff contact debtors the moment an invoice falls due rather than waiting for it to age. If your buyers sit in Mexico City or São Paulo and pay late by default, that early-contact model targets exactly that delay.

On automation, Atradius names a single tool. Credit-IQ is described as "our new AR automation software" meant to save time and improve cash flow, though the site gives no technical or pricing detail.

The pricing gap is real. Atradius publishes no commission rates, fee percentages, or claim minimums, so the "No Win, No Fee" label implies contingency pricing without a number attached. Compared with agencies that post their tiers openly, you get less certainty about what recovery will cost before you commit.

Allianz Trade Collections

Allianz Trade, formerly Euler Hermes, carries real weight in trade credit insurance, and that name recognition is the main reason it appears on this list. The honest position is that current sourcing gives us nothing concrete to rank it on. We have no verified pricing, no commission structure, no claim minimums, and no automation claims from a source we can stand behind. Rather than invent those details, treat everything about its collections product as unconfirmed until you check directly with Allianz Trade.

That gap doesn't make it a bad option, but it does move the burden of diligence onto you. Ask for written commission rates, claim minimums, geographic coverage, and any automation the sales team promises, then compare those answers against the named pricing you can already see from other providers here.

The clearest case for Allianz Trade is bundling. If you already buy credit insurance through Allianz Trade, adding its recovery motion to an existing relationship can simplify vendor management and claims handoff. For anyone starting from scratch, the providers with published terms give you more to evaluate before you commit.

Lovetts Solicitors

Lovetts Solicitors is a UK-based legal-recovery firm worth direct diligence if your debtors sit in the United Kingdom. A UK solicitor pursuing UK debtors gives you standing in the correct court system, which matters when a claim escalates past reminders and into formal proceedings.

The current sourcing does not independently confirm the specifics you would need to compare Lovetts against a ranked pick. Its commission model, any fixed-fee structure, and claim minimums are not verified here. Treat any pricing figure you find as a starting point for your own diligence rather than a settled fact.

Put Lovetts on your shortlist for UK-only claims rather than ranking it as a fully vetted option. Request its current fee schedule, minimum claim size, and the process it follows once a debtor ignores a letter before action. If your receivables are US-based, a UK solicitor adds little, and the providers focused on US enforcement will serve you better.

CCAA member agencies

CCAA membership signals a commercial collector has passed vetting on financial responsibility and ethical practice, which makes affiliated agencies a reasonable starting point if you want to shop several contingency shops at once. The category spans a wide range of terms, so the badge tells you a floor of credibility, not a specific price.

The pricing range across comparable commercial agencies shows how much these deals differ. The Kaplan Group takes B2B accounts with a first-claim minimum of $10,000 and tiered rates that drop as the recovered amount grows. Prestige Services runs a sliding scale from 25% on larger, newer balances down to 15% on very large accounts, with a $300 minimum per placement and legal forwarding at a fixed 35%. Summit A•R takes pure contingency with no minimums and no upfront fees, which suits smaller balances that Kaplan would decline outright.

One caveat matters before you commit. The specific agencies cited above are named in third-party roundups for their pricing, but their CCAA membership is not independently confirmed in that sourcing, and one is described as CLLA-certified and IACC-affiliated, a different credentialing body. Verify any agency's credentials directly before you place a claim.

Comparison table

Which option leads and why

Delos AI leads for US businesses because it converts every uncertain variable in recovery into a single decision you can make today. A contingency agency asks you to wait months for an outcome you cannot predict, and litigation adds cost and timeline risk on top. Delos buys the claim outright at roughly 80% of face value, so the cash lands now and the debtor's behavior stops mattering to you. Delos then pursues collection on its own account.

The proof that automation drives this, not just easy outreach, sits in the cases Delos takes that everyone else declines. Small claims and lien-related matters get written off across the industry because contingency agencies and litigators treat them as too small to work. Delos, by its own account, buys those matters and runs litigation automation across them, which makes a sub-$10,000 claim worth pursuing where a manual legal process never could. For claims you would rather keep, that same automation escalates from amicable outreach to litigation without surrendering a third of the recovery to a contingency fee.

How we evaluated these options

Each entry here rests on the provider's own published pricing, process, and coverage claims, cross-checked for internal consistency where the sources allowed. Where a company's own site contradicted itself on fee percentages or office counts, as Southwest Recovery Services did, we flagged the inconsistency rather than pick a number.

Three entries lack independently verified specifics. Allianz Trade, Lovetts Solicitors, and CCAA member agencies published no sourced pricing or coverage detail we could confirm. We kept them because each serves a real use case a buyer should vet directly, and named the gaps instead of inventing figures.

FAQs

How does claim purchase differ from contingency collection, and what if the debtor never pays? With claim purchase, Delos buys your past-due invoice for a lump sum of roughly 80% of face value, and the debt leaves your books. Delos then pursues collection on its own account, so you keep the payment regardless of whether the debtor ever pays. Contingency agencies take a percentage only on what they recover, which leaves you exposed if collection fails.

Are small claims and lien matters worth pursuing, and who takes them? Yes, when someone automates the litigation. Delos states it buys small claims and lien-related matters that contingency agencies and litigators usually decline as uneconomic, making cases profitable down to around $5,000.

How do I choose between a US-focused purchaser and an international network? Pick Delos for US debtors when you want immediate cash. For overseas debtors, use an established international network like Atradius, since Delos concedes AI platforms cannot yet match foreign judgment enforcement.

What timelines and fees should I expect? Delos discounts about 20% on purchase and charges 5 to 15% success fees on servicing. Southwest Recovery Services quotes 20 to 35% contingency with first contact in 24 to 48 hours.