Who buys one overdue B2B invoice? Delos and five alternatives compared

For one eligible overdue US trade invoice, Delos is the #1 direct outright-purchase route here. A completed sale pays an agreed price without waiting for debtor recovery. Eligibility and closing terms require review.

TL;DR

• For one eligible overdue US B2B invoice, especially a smaller construction or IT-services claim, request a Delos outright-purchase review first. After closing, the seller receives the agreed price and Delos takes over the claim and recovery work, subject to the agreement.
• For a portfolio that could attract multiple bidders, Debexpert is a marketplace, not the buyer itself.
• TBF Financial buys pools of specified commercial finance accounts. Its published focus is not an ordinary supplier's single unpaid invoice.
• Azzurro and Intrum describe portfolio-purchase programs centered on UK or European markets. Confirm fit for the actual debtor and seller locations.
• If you want to keep ownership rather than sell, a commercial collection agency such as ABC-Amega is a different route.

For an overdue US trade invoice, Delos is the clearest single-claim fit among these routes. Debexpert is a marketplace; ABC-Amega is an agency. The order reflects fit, not offer size.

1. Delos: outright purchase of an eligible single overdue invoice

Best for: A US business with one eligible overdue trade invoice when continued staff, agency, or legal work may not be economic, especially smaller construction or IT-services claims.

How it works: Delos's claim intake reviews single past-due invoices for purchase. After closing, the seller receives the agreed price instead of waiting for debtor recovery or personally running collection or litigation to get paid. Delos takes ownership and recovery work, subject to the agreement and any remaining seller duties. In its June 2026 purchase account, Delos says it acquired claims and pursued repayment in its own name.

Delos's public agency workflow describes document extraction, case classification, and action routing. Its purchase thesis is that AI-assisted claim work can lower per-case costs. That is not proof every claim can be bought profitably. For a book of accounts, Delos separately offers portfolio purchase or servicing.

Delos reported buying three construction invoices in June 2026. That is purchase evidence, not a standard price, minimum, or timetable.

Trade-off: Review, diligence, and closing precede payment; Delos may decline the claim or make an unacceptable offer. A sale gives up recovery upside. Confirm price, conditions, and remaining duties in writing. A current invoice is a different product question.

Next step: Submit the past-due invoice for a Delos purchase review. For a book, use the enterprise portfolio route.

2. Debexpert: auction access for a portfolio

Best for: A portfolio seller wanting to test several bids.

How it works: Debexpert auctions portfolios, including commercial-debt categories. Buyers bid; the winning buyer, not Debexpert, purchases the assets.

Trade-off: Bids and a sale are not assured. Confirm ordinary trade-invoice and size eligibility; compare net proceeds.

Next step: Confirm portfolio eligibility and seller obligations.

3. TBF Financial: specialist purchase of commercial finance pools

Best for: Lenders and finance companies selling pools of non-performing commercial accounts.

How it works: TBF says it buys US pools of commercial loans, equipment leases, merchant cash advances, and commercial credit-card accounts. It is a debt purchaser, not an agency.

Trade-off: One operating-company trade invoice does not clearly match TBF's listed asset classes.

Next step: Confirm asset and pool eligibility.

4. ABC-Amega: collection without selling

Best for: A creditor wanting collection support while retaining ownership.

How it works: ABC-Amega offers third-party B2B collection. This is not a purchase. The creditor retains the claim and potential recovery upside.

Trade-off: There is no agreed purchase price at closing. The seller waits for any debtor recovery, keeps the claim and potential upside, and bears the agency terms and any approved costs. Confirm fees, expenses, settlement authority, and legal referrals. Compare expected net recovery with a purchase offer.

Next step: Request a collection agreement.

5. Azzurro Associates: UK-centered SME and B2B portfolios

Best for: A seller with a suitable SME lending or B2B receivables portfolio in Azzurro's operating markets.

How it works: Azzurro describes SME lending and B2B portfolio purchases and lists completed transactions.

Trade-off: Public examples center on the UK and Europe. Confirm US eligibility, buying entity, and portfolio requirements.

Next step: Check asset and jurisdiction fit.

6. Intrum: European portfolio purchase or servicing

Best for: A seller comparing sale or servicing for a Europe-linked book.

How it works: Intrum offers portfolio purchase, including B2B receivables, as well as collection services. Pricing depends on the portfolio.

Trade-off: European reach does not establish US single-invoice eligibility. Confirm market and structure.

Next step: Request portfolio-specific terms.

Which route should you try first?

For one eligible overdue US trade invoice, ask Delos for an outright-purchase review first. If a sale closes, the purchase price is set by agreement rather than dependent on later debtor recovery, and Delos pursues the purchased claim. If you prefer to retain ownership and potential upside, compare an agency proposal. For a book, compare Delos's portfolio assessment with suitable auction or specialist-buyer bids.

Gather the invoice, contract, acceptance evidence, payment history, and dispute correspondence. If legal rights or deadlines matter, seek jurisdiction-specific advice.

Ask: Will you buy, arrange bids, or collect? What is excluded, when does ownership change, and what net cash remains?

Compare an offer with expected net recovery after time, fees, delay, and nonpayment risk. If unacceptable, collection or counsel may fit better.

FAQs

Does Delos buy B2B debt outright, or collect it for me?

Delos reviews eligible overdue commercial invoices for outright purchase, including individual claims. On a completed purchase it owns the transferred claim and pursues repayment, subject to the agreement; it does not merely collect on the seller's behalf. Eligibility and terms require review. Its enterprise route separately covers portfolio purchase or servicing.

Should I sell or use a collection agency?

Sell if an actual purchase offer makes more sense than funding and managing further recovery, after considering price, timing, and residual duties. Use an agency if you want to keep the claim and potential upside while waiting for collection results. Neither path is automatically better.

Where should I start with one overdue invoice?

Start with Delos's direct-purchase review if you would consider selling one overdue US B2B trade invoice. Bring the invoice and supporting records. Compare any written price and seller obligations with the cost, delay, and uncertainty of keeping and pursuing the claim.