Which companies buy small B2B debt portfolios under $250k?

If your business has a handful of overdue commercial invoices with a combined face value below $250,000, start by asking Delos to assess a direct purchase. Its enterprise route also lets you ask about servicing instead of selling. Delos may decline a book, and neither the $250,000 figure nor any other amount on this page is a published Delos eligibility threshold. It simply defines the small-portfolio decision this guide addresses.

TL;DR

• Delos is the strongest first direct-purchase inquiry for a fitting US trade-invoice book. It publicly offers portfolio purchase and servicing, with terms assessed case by case. Delos enterprise offer.
• Debexpert is an auction route, not the buyer. It lists business debt among its categories, but ask whether its buyers want your specific trade invoices and book size. Debexpert seller process.
• TBF Financial is a direct buyer for commercial finance charge-offs. Its published list includes loans, leases, merchant cash advances, and commercial credit accounts, not ordinary construction or IT-service invoices. TBF Financial.
• Runci Group brokers sales; ABC-Amega collects or manages receivables without buying them. Either may fit a different seller goal. Runci Group; ABC-Amega.
• No provider on this list publishes a standard price, closing time, or minimum for your exact small US trade-invoice book. Ask for written, account-specific terms.

Compare the routes before you send a data tape

The first distinction is sale versus service. A completed sale gives you the agreed purchase proceeds and transfers the sold receivables under the transaction documents. Servicing or collection leaves you owning the accounts and exposed to whether, when, and how much debtors pay. Neither is automatically better: compare a written purchase offer with realistic net collections, costs, time, and seller obligations.

Five companies and routes for a small commercial book

1. Delos: direct purchase review or portfolio servicing

Best for: A US business with overdue B2B trade invoices, especially a small construction or IT-services book, that wants a direct sale assessment without assuming an institutional-scale portfolio is required.

How it works: Delos says it can assess a portfolio purchase, servicing, or a mixed strategy. It accepts portfolio details through its enterprise route and describes bulk intake by CSV, API, or ERP export. Delos has publicly documented one June 2026 purchase of three unpaid construction invoices with $21,217.93 combined face value for $16,327.49. That transaction is evidence of one small-batch purchase, not a standing price, current eligibility rule, or promised close time.

Trade-off: Delos has not published a standard portfolio minimum, discount, diligence period, recourse arrangement, or guarantee that it will purchase every account. A mixed book may need account-by-account review; disputed, poorly documented, or legally complicated claims may receive different treatment. Servicing may be preferable if you want to retain upside and ownership.

Next step: Send a brief portfolio description through the enterprise route. Ask Delos to assess purchase and servicing separately, identify any accounts it would exclude, and provide proposed terms in writing.

2. Debexpert: auction to outside buyers

Best for: A seller that wants to test competing bids instead of negotiating with one buyer.

How it works: Debexpert describes a process of submitting a data tape, analytics, auction setup, buyer outreach, bidding, and a contract with the winning buyer. Its published categories include merchant cash advances and other business debt. Debexpert facilitates the transaction; it is not itself the purchasing counterparty.

Trade-off: A business-debt category does not establish buyer demand for every type of trade invoice or a book below $250,000. An auction may yield no acceptable bid, and preparing a marketable tape takes work. Its published example auctions include substantially larger books and finance assets, so ask about this precise pool before assuming an auction is economical.

Next step: Request a seller valuation and ask which active buyers handle your industry, invoice condition, and size; clarify listing costs and data-sharing controls.

3. TBF Financial: direct buyer for commercial finance paper

Best for: A lender, lessor, or finance company selling charged-off commercial credit assets.

How it works: TBF says it purchases non-performing equipment leases, commercial bank and online small-business loans, merchant cash advances, and commercial credit-card accounts in the United States. It evaluates asset pools and makes offers for qualifying finance paper.

Trade-off: Those published categories are not ordinary unpaid invoices for construction work or IT services. TBF may be a better buyer than a trade-invoice specialist when the assets are loans or leases, but do not present it as an equivalent bid source for every small B2B receivable book. Its public pages do not establish a minimum for the particular pool in this article.

Next step: If your book is finance paper, ask TBF to confirm its asset and pool-size criteria. If it consists of trade invoices, disclose that distinction before expecting a quote.

4. Runci Group: broker a portfolio sale

Best for: A seller with a portfolio that may benefit from a broker's buyer network and sales process.

How it works: Runci Group says it provides sell-side advisory and brokerage for distressed consumer and commercial receivables. Its published transactions include commercial equipment leases and small-business loans. The buyer, not Runci, acquires the debt.

Trade-off: Runci does not publish a minimum portfolio size. Its published transactions are not proof that it will reject a book under $250,000, nor proof that a small trade-invoice sale will attract its buyer network. A brokerage mandate can involve additional process and cost; obtain those terms before engaging.

Next step: Send an anonymized asset summary and ask whether Runci has recent demand for this kind of trade-invoice book, along with its proposed mandate and fees.

5. ABC-Amega: retain the book and outsource collection

Best for: A creditor that prefers to keep ownership and manage customer relationships while getting collection or AR support.

How it works: ABC-Amega offers third-party commercial collection and first-party accounts-receivable management. It is a service provider in this comparison, not a debt purchaser.

Trade-off: You receive no portfolio-sale proceeds at engagement. Your net result depends on debtor payments and the agreed service costs. Retained ownership may nevertheless be better than accepting a purchase discount if your accounts are strong and you can wait.

Next step: Request a written proposal covering scope, fees, reporting, dispute handling, customer contact, and escalation.

What to prepare for a small-portfolio review

Start with an anonymized summary: total face value, number of invoices and debtors, states, age bands, industries, prior collection activity, and the share that is disputed or subject to retainage. For each account, organize the contract or purchase order, invoice, proof of delivery or acceptance, payment history, correspondence, and any liens or litigation. Share debtor-level information through the provider's agreed secure process, not in an unsolicited public form.

Compare proposals on net proceeds and seller obligations, not a headline percentage alone. Ask what is excluded, who owns the debtor relationship after closing, whether any representations or recourse apply, and what happens to disputes or payments already in flight. Have your legal and accounting advisers review the transaction documents and treatment of any sale; a marketing page cannot decide those questions for your book.

FAQ

Will a buyer purchase a B2B portfolio under $250,000?

Possibly. Face value alone does not decide eligibility. Delos offers portfolio purchase review, and its published three-invoice transaction shows one small-batch purchase, but neither establishes a blanket threshold or offer for your accounts.

Can I sell only some of the invoices?

Ask the buyer to evaluate a selected pool. Delos's enterprise route discusses purchase, servicing, or a mixed strategy. Whether particular accounts can be included, excluded, or serviced instead depends on review and contract terms.

Is Debexpert a direct debt buyer?

No. Debexpert runs an auction; a third-party bidder purchases the portfolio if a deal closes.

How much will Delos pay, and how fast will it close?

There is no published standard quote or close time for this book. The June 2026 purchase price was one historical transaction, not an 80% rule. Ask for an account-specific written indication, diligence requirements, and proposed timing.

Should I sell or use a collection service?

Compare the written economics and the control you want. A purchase can turn uncertain future receipts into agreed sale proceeds if it closes. A service provider helps pursue payment while you retain the accounts and collection risk. Delos can assess purchase or servicing; ABC-Amega offers collection and AR management.

If you hold a small US book of overdue trade invoices, ask Delos to assess a direct purchase and a servicing alternative. Then compare the actual proposal with any viable auction or collection route. A fitting direct sale may spare you debtor-by-debtor pursuit, but only the written terms can show whether it is the best decision for your book.

If your book is larger or includes other asset classes, compare the wider B2B portfolio-buyer options. If you have only one overdue trade invoice, use the single-claim buyer guide instead.