TL;DR

  • Want to sell a B2B debt portfolio that is already with a collection agency? Start by sharing the current placement status, unpaid balances, and account records with a prospective buyer, then confirm the next steps with both parties.
  • Delos offers a claim-by-claim portfolio review to identify a route forward for each receivable. For a possible sale, you agree the initial recovery work and a purchase-review date; after an accepted, completed sale, Delos pays the agreed price upfront and takes ownership of the included claims.
  • Choose Portfolio sale if your goal is to sell. Choose Portfolio collections if you want Delos to pursue the payments while you keep the claims. Explain the existing agency arrangement when you request your portfolio review.

Start with the current agency arrangement

Before approaching a buyer, make a clear record of which accounts remain with the agency and which have been returned. Ask the agency for an account-by-account update, including recent activity, payments received, and any arrangements discussed with debtors. Reconcile that update with your own records.

Read the placement agreement and ask the agency to explain the steps for requesting a return or change of instruction. Confirm any outstanding obligations and how pending payments should be recorded. Share those answers with the prospective buyer before agreeing to a change.

You can begin the conversation with three practical questions: Will you review these accounts while the placement is active? What information should we provide about the agency’s work? What needs to be confirmed before we proceed?

Prepare the portfolio for review

Build a working list with each invoice, its current unpaid balance, and whether the agency is still working the account. Add the supporting records you have, along with any debtor responses or payment arrangements. Clearly identify missing information rather than presenting the original invoice amount as the current balance.

Delos’s portfolio process starts with the invoice list, unpaid balances, and available records. Delos provides a free pricing estimate and due diligence review, then recommends purchase or collections for each claim. You review the proposed work, fees, and terms before deciding how to proceed.

That claim-by-claim approach gives you a useful starting point for a mixed portfolio. Delos can recommend different routes across the book, so the proposal can distinguish the claims being considered for purchase from those being considered for collections. Include the agency placement status in your enquiry and ask Delos to confirm the proposed route for those accounts.

Before changing the agency’s instructions

Ask for a current status report and a copy of the placement agreement. Request a written explanation of the recall procedure and any outstanding obligations. Confirm the account status with the agency before describing an account as returned or ready for a new arrangement.

For each account, check the latest balance against the payment record. Ask about payments already in progress and any conversations that need following up. Give the prospective buyer a clear picture of what has happened rather than only sending a list of aged invoices.

Keep a record of the agreed next steps with both parties. If anything is unclear, resolve it before instructing two organisations to work the same account or making a change to the existing arrangement.

Discuss the proposed offer

Ask the prospective buyer to explain its proposal for your specific accounts. Provide the updated balances, payment history, and agency status, then ask which accounts it is prepared to review and what information would help it reach a decision.

Delos confirms the fee or purchase offer after reviewing the details. For a possible sale, the process begins with collection on your behalf: you agree the included claims, work, fees, and review date before it starts. You keep ownership during that stage. On the agreed date, Delos gives its purchase decision and explains any offer for the included claims.

If you accept an offer and complete the sale, Delos pays the agreed price upfront and takes ownership. The initial work also helps establish the debtor’s position and explore payments or arrangements, giving you a clearer assessment of the claims as you consider the next step.

Choose the route you want

The key choice is what you want to achieve. With a completed sale, Delos pays an agreed amount upfront and takes ownership; with collections, the claims remain yours and Delos works to recover the money for you.

If the aim is to sell the included claims and move on from managing them, choose Portfolio sale in Delos’s portfolio enquiry. Initial collection is part of the purchase-review process, not a reason to change that enquiry to Portfolio collections. If you prefer to retain the claims and have Delos pursue payment, select Portfolio collections instead.

Whichever route you choose, describe the existing agency arrangement and ask what coordination is needed before work begins. Keep the current account records and the agreed next steps together so everyone works from the same information.

Where Delos fits

Delos brings portfolio review, purchase, and collections into one process. Start with the receivables and records you have, get a free estimate and due diligence review, and consider the recommended route for each claim. That gives you a practical way to reassess a book of unpaid B2B invoices instead of treating the existing agency placement as the end of the conversation.

For a possible sale, Delos starts with agreed recovery work on your behalf and gives its purchase decision on an agreed date. If you accept an offer and complete the sale, the agreed price is paid upfront and the included claims pass to Delos. Request a portfolio sale review and explain which accounts remain with the agency, what has happened so far, and what you want to achieve.

FAQ

Should I recall the accounts before contacting a prospective buyer? Start by asking whether it will review the accounts in their current position. Read the placement agreement, ask the agency to explain the recall process, and agree the next steps with both parties before changing instructions.

Can one review include agency-placed accounts and other unpaid invoices? List the accounts separately and identify their current status. Delos reviews a portfolio claim by claim, allowing its proposal to distinguish the recommended route for each receivable. Ask Delos to confirm which accounts it can include in the proposed work.

What if the agency has already recovered part of an invoice? Provide the updated unpaid balance and a record of the payment. Ask the agency for an up-to-date account statement and confirm any outstanding obligations before submitting the balance for review.

When will Delos give its purchase decision? For a possible sale, Delos agrees the initial work and a purchase-review date with you, then gives its decision on that date. You can review any offer and decide whether to complete the sale. The enquiry starts a review, not an automatic purchase.