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Business Debt Collection Agency

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Let Us Help You Recover What’s Rightfully Yours

 Business Debt Collection Agency

Is your business owed £3,000 or more? If you’ve provided goods or services to another business and haven’t been paid, now’s the time to act. Recover what’s owed to your business with our expert B2B debt recovery services that get results.


At Business Debt Collections, we specialise in B2B commercial debt collection. From overdue invoices to late-stage recovery, our dedicated team ensures your business gets the payment it deserves quickly and efficiently.

What We Do For You!

Business Debt Recovery

No Collection, No Fees

Depend on fast, professional debt recovery services designed to get results for your business.

Business Debt Recovery Agency

Safeguarding Your Business Reputation

Our expert debt collection services ensure you recover what’s owed while preserving your business relationships.

Agency for Business Debt Recovery

Nationwide Debt Collection

Our expert debt recovery services are available to businesses across the UK, ensuring you get paid no matter where you’re based.

What We Can Do For Your Business

At The Business Debt Collector, we understand that managing overdue payments and unpaid invoices can take a toll on your business.


Our expert business debt collection services are designed to take that burden off your shoulders, ensuring your business gets paid without the stress of handling it yourself.


Our business debt collection agency provides solutions at every stage, from early overdue payments to more complex recovery needs.


We work with your business to:

  • Recover unpaid invoices and overdue balances quickly and efficiently.
  • Handle all aspects of the debt collection process, so you don’t have to.
  • Ensure no legal complications or hidden fees—just fast, reliable results.


With our proven methods and specialized commercial debt recovery team, we guarantee your business receives the money it’s owed, protecting your cash flow and enabling you to focus on growth.

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Our Process Designed for Your Business Success

Business Debt Recovery uk

Custom Strategy Creation

We begin by assessing your debt situation and crafting a custom business debt collection strategy that suits your specific needs.

Whether it’s a few overdue invoices or larger outstanding balances, our approach is tailored for maximum recovery.

Business Debt Recovery United Kingdom

Persistent Debtor Contact

On your behalf, we contact debtors professionally and persistently.

Our team uses proven techniques to recover your funds while maintaining a positive relationship with your clients.

We ensure every debtor interaction is handled with care, reflecting your business’s reputation.

Business Debt Recovery

Successful Payment or Legal Escalation

You get paid swiftly, and in the rare event that payment isn’t recovered, we escalate to legal action—with zero upfront fees.

We handle everything so you don’t have to worry about legal processes or hidden costs.

A Business Debt Collection Agency that Works for You

With over 22 years of experience in business, I know firsthand how crucial cash flow is. Unpaid debts can disrupt your operations.


At The Business Debt Collector, our 92% collection rate speaks to our expertise in business debt collection and recovery.


As one of the leading business debt recovery firms, our legal team has over 150 years of combined experience.


We offer a no collection, no fee service, ensuring you only pay when we succeed.


Reach out today for a free, no-obligation consultation, and let us recover what’s rightfully yours.


Founder of The Business Debt Collector: Ross Ratcliffe

SPEAK TO ROSS

Unpaid Invoices: A £7.4 Billion Problem for UK Small Businesses

Unpaid Invoices: A £7.4 Billion Problem for UK Small Businesses
Small businesses in the UK are currently owed £7.4 billion due to unpaid invoices, and only 1% of businesses have managed to avoid the issue of late payments.


The burden of chasing these debts impacts businesses' cash flow and productivity, with companies spending up to two days per week pursuing overdue invoices. This drain on resources can significantly disrupt operations and growth.

To prevent late payments, it is essential to establish clear payment terms from the start and implement strong credit control processes.


Sending a reminder email when an invoice is due is an effective way to nudge customers toward payment. If the payment remains overdue, reaching out directly to the client can resolve issues and set expectations for a payment timeline.

However, if emails and calls do not work, escalating the matter is necessary. Options include warning the customer about potential supply cessation or adding late payment compensation and interest, as outlined in your terms.


For persistent issues, a professional business debt recovery agency like The Business Debt Collectors can step in to recover debts, helping to protect your cash flow while maintaining positive client relationships.

 

CONTACT US HERE

Companies That We Help

Small Business Debt6 Recovery
corporate debt collection
Sole Trader Debt Recovery
limited company debt recovery
insolvency practitioners

Insolvency Practitioners

Helping insolvency practitioners recover debts to ensure fair distribution among creditors and assist in liquidating assets efficiently.
Two construction workers are walking down a dirt road at a construction site.

Construction Companies

We support construction companies by recovering outstanding payments for projects, helping maintain healthy cash flow and sustain operations.
A large oil refinery is sitting next to a body of water at night.

Oil Companies

Our debt recovery services assist oil companies in reclaiming unpaid debts, ensuring stability in a volatile industry.
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21

Average collection time of

21 days

92%

Successful recovery rate on overdue debts

22

Years of industry expertise

5

Debt recovery experts at your service

Frequently Asked Questions (FAQs)

See some common questions about debt recovery and answers below, or call us at 0300 1316757

  • What is business debt collection?

    Business debt collection, also known as commercial debt recovery, is the process of collecting unpaid debts from businesses that have received goods or services but haven’t paid on time. 


    This differs from consumer debt collection as it involves larger sums and requires specialised strategies tailored to business transactions.

  • How do business debt collection agencies work?

    A business debt collection agency acts on behalf of a creditor to recover unpaid debts. They will typically contact the debtor through various methods such as phone calls, emails, and formal letters. 


    On average, it takes about 21 days to recover a debt, though this can vary depending on the case. If the debt remains unpaid, the agency may escalate to legal proceedings, ensuring compliance with commercial debt laws throughout the process.

  • When should I hire a business debt collection agency?

    You should consider hiring a debt collection agency when your business invoices remain unpaid beyond 60-90 days. 


    The sooner you involve a professional agency, the better the chances of recovering the full amount before the debtor becomes insolvent.

  • How long does business debt recovery take?

    The length of time for debt recovery varies depending on the debtor’s situation. 


    Simple cases can be resolved within weeks, while more complex cases may take longer, particularly if legal action is required. 


    However, starting the collection process early increases the likelihood of a quicker resolution.

  • What is Commercial Debt?

    Commercial debt arises when one business owes money to another for goods or services provided. 


    This type of debt can pose significant challenges, particularly for small businesses, where delayed payments often disrupt cash flow. 


    To maintain financial stability, 

    businesses should implement effective commercial debt recovery strategies that minimise risks and ensure timely payments, making debt recovery a vital aspect of long-term business success.

  • What fees do business debt collection agencies charge?

    Most business debt collection agencies work on a contingency basis, meaning they only charge a fee if they successfully recover the debt.


     At [Your Company Name], we charge a 10% fee on the recovered amount, ensuring a competitive rate while delivering professional, efficient services. 


    This fee structure allows you to pay only when we succeed in recovering your debt.

  • Can a business debt collection agency take legal action?

    Yes, a business debt collection agency can escalate the case to legal action if necessary. 


    They will consult with you before proceeding, and legal fees may apply. 


    Legal action often becomes the last resort when all other collection methods have failed.

  • Will using a debt collection agency affect my business relationships with clients?

    At [Your Company Name], we prioritise maintaining the integrity of your business relationships while recovering what’s owed to you. 


    Our professional, respectful approach ensures that all communication with your clients is handled diplomatically. 


    We focus on resolving debts without damaging your reputation or client connections, allowing you to continue business as usual while we handle the recovery process.



  • How Long Can You Chase an Unpaid Invoice in the UK?

    In the UK, under the Limitation Act 1980, businesses have up to six years to pursue an unpaid invoice. It’s essential to maintain regular communication with the debtor during this period. If no contact or effort to recover the debt is made within those six years, it becomes increasingly difficult to enforce payment. Ensuring consistent follow-up helps protect your right to collect overdue payments.

  • How can I prevent unpaid invoices in the future?

    To minimise the risk of unpaid invoices, ensure clear communication about payment terms from the beginning. 


    Regularly monitor accounts receivable, follow up promptly on overdue payments, and consider automating your invoicing system to improve efficiency.

OUR CLIENTS SAY

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