The best B2B debt collection agency uses the law, not pressure. Commercial buyers respond to a legal notice from an advocate, to the interest and tax consequences of late payment, and to a credible path to the Facilitation Council or a court. FundRaksha assigns a dedicated advocate within 24 hours, negotiates on documents, files where needed and charges 30% only on recovery. 1,000+ businesses have used it.
B2B collection is not consumer collection
Consumer collection is about reaching an individual and persuading him to pay an EMI. B2B collection is about a company, firm or proprietor that has deliberately decided to delay a supplier. The decision-maker is a finance head or owner weighing your invoice against other payables, and he responds to one thing: a change in the cost of not paying. Calls do not change that cost. A legal notice, statutory interest, the loss of GST credit and the prospect of a filing do.
An agency built for consumer collection brings callers and scripts to a problem that needs advocates and statutes. Check what any agency actually does before you hand over a B2B file.
Seven things the best B2B agency does
- Reads your documents before promising anything. Invoices, PO, delivery proof, messages. Recoverability is a question of evidence.
- Computes the full claim. Principal, plus interest at three times the RBI bank rate for MSMEs or contractual interest otherwise, plus costs.
- Sends a legal notice fast. FundRaksha: within 24 hours, by e-notice and registered post.
- Addresses the right people. Registered office, directors, finance head, not just the purchasing contact.
- Negotiates on documents. Disputes are answered with delivery records and acknowledgements, and settlements are secured.
- Files competently. MSME Samadhaan, Section 138, summary suit or arbitration, by the same advocate.
- Charges on results. A success fee, no retainer, court fees disclosed upfront.
FundRaksha does all seven; the proof is 60% settlement before court across 1,000+ businesses.
Comparing B2B collection models
| Model | Strength | Weakness |
|---|---|---|
| Call-centre agency | Cheap, persistent | No legal power; buyers ignore it; risk of unlawful tactics |
| Field recovery agents | Visible pressure | Unlawful for B2B in practice; damages your reputation; no filing |
| Independent lawyer | Legal power | Paid regardless of result; no follow-up; local only |
| Reminder software | Consistent, cheap | Stops when the buyer ignores it |
| FundRaksha | Advocate-led, success fee, 24-hour notice, all India, Collect and Trust integrated | B2B only; does not take consumer debt |
For a detailed comparison of the agency and lawyer models, see B2B collection agency vs lawyer.
The B2B dues we recover
Unpaid invoices for goods and services, dealer and distributor ledgers, contractor running and final bills, retention money, freight and logistics charges, SaaS and agency fees, security deposits, and bounced cheques given against any of these. Industry pages include textile, construction, IT services and logistics. Service pages include invoice recovery, distributor dues recovery and contractor payment recovery.
Test us for free
The simplest way to evaluate a B2B agency is to give it a real file and watch what it does in the first week. FundRaksha's free consultation costs nothing and tells you what is recoverable and how. If you proceed, the notice is out within 24 hours and you pay 30% only on what comes in. For the general evaluation framework, read how to choose a debt collection agency.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.