Debt types › Business receivables (B2B)
Sell unpaid B2B invoices and commercial debt
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Short answer: Businesses can sell or assign overdue commercial receivables. Current invoices are usually factored (sold at a modest discount with recourse terms). Seriously past-due or written-off B2B debt is sold outright at a much deeper discount, or placed for contingency collection. Documentation helps price.
Is selling better than using a collection agency?
One small account often attracts no buyers at all. Contingency collection or a judgment may recover more. Portfolios of many accounts with contracts and invoices sell more easily.
What should you prepare?
- Contracts, invoices, proof of delivery, dispute log.
- Debtor status (operating, closed, bankrupt).
- Personal guarantees, if any.
Estimate a price range Request a free valuation
Weighing a sale against an agency? See selling debt to a collection agency vs. contingency.
What else do sellers ask?
Can I sell unpaid invoices?
Yes, but it depends on age. Current invoices can be factored. Delinquent ones can be sold to a commercial debt buyer or placed with a contingency collection agency; buyers generally prefer portfolios over single accounts.
Can I sell a single unpaid invoice?
Sometimes, but single small accounts are hard to sell. Factoring works for current invoices. For delinquent ones, compare a contingency agency with an outright sale.
Can I sell business debt to a collection agency?
Some commercial agencies also buy accounts, but most work on contingency, so you keep ownership and pay a fee only on recoveries. A sale transfers ownership and the recovery risk to the buyer.
Is B2B debt covered by the FDCPA?
No. The FDCPA covers consumer debts. Commercial debt sales still involve contract and state-law issues.
Information only, not legal, tax or accounting advice. Price figures are third-party estimates, not offers. Last reviewed: October 2026.
Related guide: Companies that buy unpaid invoices · All seller guides