Client Login
Pay Online
Pay Online
Client Login
Get a Quote
✓ No Collection, No Commission

B2B Debt Collection Agency

No collection, no commission business to business debt collection and B2B credit control with STA International.

OverviewReportingPricingInternational Debt Recovery

With recent research showing 44% of B2B invoices being overdue in the last 12 months, it’s more important than ever to stay on top of your cash flow and maximise recovery of owed funds. For most UK businesses, this is a very time-consuming process that takes resources away from other important tasks – and doesn’t always yield results.

Using a B2B debt collection agency like STA International can help streamline this process, recover unpaid invoices more efficiently, preserve customer goodwill and offer transparent 24/7 online reporting – even remaining cost-neutral to you in many cases.

Our B2B debt recovery process has been honed over 65 years of experience and can help to recover your unpaid invoices in 3-4 weeks on average. We offer you end-to-end support with an in-house tracing department, law firm (STA Legal), an international network of affiliated partners and accreditations with industry governing bodies. No matter the size of the debt, in the UK or abroad, we can support your credit control process and business to business debt collection with weekly BACS remittances.

Let your cash flow.

STA recovers your debts effortlessly to give you:

✓ No Collection, No Commission
  • No upfront costs or hidden fees
  • You only pay when we recover your money
  • GDPR compliant & ethical approach
  • Average recovery in 3-4 weeks

Get your free quote

Step 1 of 5: Your Company Location

Where is your company based?

United Kingdom
Outside of the UK

Where is the debtor company based?

United Kingdom
Outside of the UK

How much are you owed?

Your recovery quote

Outstanding amount:-
Late payment interest:-
Our success fee (—):-
Total we'll chase:-
If we recover the full amount, you receive:
-

Start Your Recovery

🔒
ISO & FCA accredited
✓
GDPR Compliant

How our B2B Debt Collection Works

We pride ourselves on a highly individual approach to each business to business debt collection case, working to understand your specific situation and developing a tailored strategy to maximise recovery of your unpaid invoices and other debts. Blending this with our six decades of experience, we’re confident that we can achieve successful commercial debt recovery in most cases.

Place your debts & debtor checks
We’ve developed our own ‘Your Debts Online’ (YDO) portal to make every step of your business to business collections process more efficient. The first thing you need to do is place your debts on the portal; something you can complete through a form, or upload in bulk via CSV or Excel. Then our highly trained team reviews, completes initial debtor checks to assess financial strength, and develops a collaborative (never combative) recovery approach based on this information.
Professional contact strategy
Once this is done, our professional collectors then reach out to your debtors. The main focus is almost always the same; clearly reminding your debtors of their payment obligations, and working with them to recover the amount owed to you in full. We also work to recover statutory interest and Late Payment Act charges on top of the principal sum. If your debtors offer non-payment excuses, our experienced collectors are trained to quickly stop or query these at this stage.
30 day review and next step advice
Negotiations will continue between your debtors and our experienced collectors for a set yet fair timeline. Throughout, you can see all progress and notes from your dedicated collector on the YDO portal – we’ll handle all queries and concerns, only reverting to your instruction when absolutely necessary. If a case can’t be resolved in the first instance, we’ll activate a 30-day review with you, discuss the best next steps and possibly recommend escalation to legal debt recovery routes.
Weekly funds remittance
Where we are able to secure payment, all funds are quickly remitted to you via BACS on a weekly basis. On average, our B2B collections take 3-4 weeks, although this could be shorter or longer depending on your specific circumstances. At any point, you can use your personal online portal to track remitted funds – where you can also download invoices, reports, statements and more relating to your case.
Legal escalation
In some cases, business to business debt collection cases can’t be resolved at the pre-legal stage. If so, our in-house law firm STA Legal can seamlessly escalate and handle your case from that point onwards – taking care of issuing a Letter Before Action, filing any court claims, securing County Court Judgements (CCJ) and even supporting enforcement of recovery.
Onboarding

B2B Credit Control & Management

If you’re looking for help with your entire B2B credit management, we can help. Whether you’re looking to cover a short term staff absence, need support with seasonal peaks or want a partner to take over the process year-round, our personalised approach to outsourced credit control means we can help.

Unlike some other B2B credit management companies or systems, we’ll create a tailored solution to your business, priced at a fixed monthly fee starting from just £500 per month. This means you’ll never face any surprise fees, and can focus on other aspects of your business without needing to worry about your accounts receivable, credit application processing and more.

Get paid today, contact STA

Get in touch today to see how we can help recover your overdue invoices
Get a Quote

Proven B2B Results

With more than £20m recovered over the last 12 months, you can be sure our business to business debt recovery is always working in your best interests to collect funds quickly and efficiently. Our team is perfectly placed to assist clients ranging from FTSE100 companies to SMEs across a wide variety of industries, with debts in the UK and abroad – so there’s no reason not to get in touch today!

We only had one case available and STA treated this with a level of service I would expect if I was a major customer. I would recommend their services whatever value of debt you are dealing with.

Lisa Wheal
I would recommend their services

I have used the services of STA International for a number of outstanding accounts and they have always collected the payments. Their approach is very professional and they keep you informed throughout the process. If there are any problems they liaise with you and negotiate with the debtor on your behalf. A first rate service that I would recommend to anyone.

David
First rate professional service

I have found STA extremely professional and supportive in supporting us with our business needs. They have easy to communicate features via their portal and their collection rates are great. Whilst debt collection is never a nice thing to have to address, they make this as stress free of a process as possible.

Aaron R
Professional and supportive

This is our first experience of using a debt recovery agency. We were pleasantly surprised by how simple and effective STA made the whole process, saving an enormous amount of time and energy for our Finance Manager to redirect to more productive activities. Thank you.

Tom R
Simple and effective
24/7 Online Portal
You never have to worry about how your case is progressing – 24/7 access to our YDO online portal means you can easily keep up to date with every aspect. From requests for instruction, notes and updates from your dedicated collector and lots of different reports and statements, you’ll have full transparency and can enjoy a more streamlined B2B debt collection process.
See our Your Debts Online User Guide for more information

''Companies owe money, but people pay bills.''

We pride ourselves on always taking a collaborative, amicable approach to B2B debt recovery. Unlike more aggressive and confrontational strategies, we use gentle debtor education to not only maximise recovery chances of your current debts, but increases the likelihood of money being paid on time in the future. This also helps to protect your reputation and preserve customer goodwill, especially important for ongoing business relationships.
Get a Quote

Pricing & Member Benefits

In many cases, our business to business debt collection can be offered to you on a cost-neutral basis. Learn more about our ‘no collection, no commission’ structure and how it can benefit your business below.

No Collection, No Commission

10%

For multiple debts, and single debts over £50,000, a lower rate of commission applies
We automatically add our commission charge to your debtor’s invoice(s), along with interest. When your debtor pays the costs and interest, we remit it in full and invoice you for our commission, leaving you with your principal sum and the interest. Conversely, if your debtor fails to pay the costs and interest, we invoice you for our commission.
Get started
Unlock Better Rates
Member benefits

We are proud to partner a growing number of credit insurance underwriters who have appointed STA to offer their policyholders worldwide debt collection services.

Check to see if you’re eligible to our preferential rates of commission.

Learn More

Get paid today, contact STA

Get in touch today to see how we can help recover your overdue invoices
Get started

Business to Business Debt Collection FAQs

We’ve put together a list of the most commonly asked questions about business to business debt recovery below. If you still want to know more, please don’t hesitate to contact us and our team would be happy to help!

B2B debt collection is the process of recovering money owed to a business by another business. Methods of doing so range from pre-legal routes of communication and education, but can extend to legal escalation, in either case including the recovery of statutory interest and additional compensation on top of the principal sum.

Often, a company may choose to partner with a B2B collection agency in order to streamline the process and maximise chances of recovery.

Business-to-business (B2B) and business-to-consumer (B2C) collections differ by who owes the money, and the type and size of debt. B2B collections involve businesses being owed money by another business, and typically involve larger and more complicated debts. B2C collections typically involve smaller debts where an individual consumer owes money to a business, such as a credit card bill.

In the UK, you typically have six years (five years in Scotland) to recover most types of commercial business debts before the limitation period expires. However in some cases, there are some nuances depending on the type of debt and other factors. For example, receiving acknowledgement of the debt or partial payment can reset the clock on this limitation period.

Even if this limitation period does expire, it doesn’t always mean you can’t collect on the owed amount – it may just mean there are certain actions you can no longer take. If you’re unsure, it’s important to start the B2B collection process as soon as possible to maximise recovery chances. Get in touch today and our team can help you understand your specific circumstances.

We have a minimum case value of £500 for single business to business debts. If placing debts with us in bulk, we can offer recovery for lower individual debt amounts.

Our no collection, no commission structure means that you don’t need to pay us anything until we’ve successfully collected your debts. The rate of commission we charge for B2B debt recovery is 10% for UK debts, and 15% for international debts. For large debt amounts or repeat usage, this rate can be discounted.

We add fixed fees of £40, £70, or £100 depending on the debt size, and statutory interest of the base rate + 8% when collecting money owed to you, under the Late Payment of Commercial Debts Act. This means that in many cases, our fee is paid by the debtor, making our services completely cost-neutral to your business.

These terms show we’re independently regulated and accredited by multiple industry standard bodies:

 

FCA authorised – we follow strict rules on fairness and transparency. (Proof of FCA authorisation)

ISO 27001 & 9001 – we’re certified in international standards for data security and quality management. (Proof of ISO 27001 & 9001 certification)

CSA – we’re a member of the Credit Services Association, the sole UK national trade body for debt collection. (Proof of CSA membership since 1995)

ECA – we’re the only UK member of the European Collectors Association, giving us reach in 150+ countries (Proof of ECA membership)

On average, we recover business to business debts within 3-4 weeks. That being said, every individual case is different, so this timeframe could be shorter or longer depending on your specific circumstances and debts.

Yes, we also specialise in international debt recovery to help you collect owed funds from overseas. We’ve been able to recover 83% of international debts from our UK office in the last year from 154 countries, avoiding additional costs by having to use local agents.

In the unusual cases we can’t collect from our UK office, we can help to instruct one of our closely vetted international partners if a local agent is necessary.

Ready to Recover Your B2B Debts?

Whatever your situation, we’d love to hear from you. Either get a hassle-free quote online, or get in touch today with our friendly team to see how we can help you with B2B debt collection.
Get started