Which Companies Buy Unpaid B2B Invoices? (Ranked)

TL;DR

• One overdue US B2B trade invoice: Ask Delos to review the claim. It considers eligible single claims; an offer, price, and closing date require case-specific review.
• A US book of overdue trade receivables: Ask Delos about purchase or servicing. If you want competing bids, a portfolio marketplace may be another route, but the platform is not itself the buyer.
• A European B2B receivables portfolio: Intrum and Azzurro Associates describe portfolio-purchase programs. Verify the local market and asset criteria.
• A US pool of nonperforming business loans or leases: TBF Financial is a more relevant direct buyer than a single-trade-invoice specialist.
• Ready to compare your options? Send Delos the overdue invoice and supporting records for an individual purchase review, then compare its written offer with any other route that fits your claim.

An unpaid invoice for completed work is not the same asset as a charged-off loan or a book of consumer accounts. If your US business wants to sell one overdue commercial trade invoice, Delos is the first direct-purchase inquiry in this list: it publicly invites individual past-due claims for review and has documented a purchase from a construction business. A tailored offer gives you a concrete basis for comparing a sale with continued pursuit; the right route also depends on the debtor, jurisdiction, number of accounts, and whether you want to transfer ownership at all.

At a glance: which buyer fits the asset?

These are fit rankings for a US operating company with an overdue trade invoice, not a claim that one company always pays more. Entries 2 to 4 serve materially different sellers. Their published programs do not establish that they will buy your individual US invoice.

1. Delos: one overdue US trade invoice or a business portfolio

Best for: A construction company, IT-services firm, or other US business with an eligible unpaid customer invoice that wants to compare an outright sale with the time, cost, and uncertainty of continued pursuit. Delos also assesses enterprise receivables books for purchase or servicing.

How it works: Delos's claim intake invites a business to submit a past-due invoice so the company can assess whether it can purchase the claim. Its enterprise route describes portfolio purchase, servicing while the seller keeps ownership, or a mixed approach. Delos reported a June 2026 purchase of three unpaid construction invoices. That is evidence of a transaction, not a standing acceptance rule or standard price.

Delos says it uses AI-assisted document extraction, case classification, and workflow routing to evaluate and work claims. This is a proposed way to make smaller claims economical to assess, not proof that every invoice can be bought or recovered. Its agency technology description documents those workflow capabilities; Delos should not be confused with a generic collection agency or an AI software subscription for this seller decision.

Trade-off: An accepted sale exchanges potential later recovery for agreed proceeds. Delos reviews the proof, disputes, debtor condition, and applicable rules before proposing terms. Compare its written purchase offer, including timing, assignment terms, and any seller obligations, with the cost and uncertainty of pursuing payment yourself.

Next step: Submit the overdue invoice for review. If you have a book of accounts, use the enterprise portfolio route and state whether you want sale, servicing, or both compared.

2. Intrum: a European B2B receivables book

Best for: An originator with an overdue-receivables portfolio in a market served by Intrum, including some B2B contract receivables.

How it works: Intrum describes outright portfolio purchase, overdue invoices among its asset classes, and pan-European coverage. It also offers collection services, so ask whether the proposed transaction is a purchase or servicing arrangement.

Trade-off: The published material is portfolio-oriented and European. It does not establish a standard offer for a single US supplier invoice, a public minimum size, a fixed percentage, or a universal timetable.

Next step: Ask the relevant local team whether your jurisdiction, receivable class, account volume, and debtor mix qualify.

3. Azzurro Associates: SME and B2B portfolio transactions

Best for: A seller of SME lending or B2B receivables portfolios in a market Azzurro currently serves.

How it works: Azzurro describes buying and managing SME and B2B portfolios. Its public examples include a UK portfolio of nonperforming B2B receivables. Those are real portfolio examples, not a published individual-US-invoice offer.

Trade-off: Azzurro lists UK, Ireland, and European activity and describes North American expansion as forthcoming. Verify an active US buying route before treating it as a US alternative. Do not infer that its published portfolio transactions set a price for one invoice.

Next step: Send an anonymized portfolio summary and ask for current geographic and asset eligibility.

4. TBF Financial: charged-off commercial finance pools

Best for: A US bank, lender, lessor, or merchant-cash-advance provider selling a pool of nonperforming commercial finance accounts.

How it works: TBF lists equipment leases, commercial bank and online small-business loans, merchant cash advances, and commercial credit-card accounts. It says it evaluates pools and makes offers after reviewing the assets.

Trade-off: A supplier's single unpaid invoice for construction or IT work is not one of those published categories. Do not send it as if it were a charged-off lending account or assume the same acquisition criteria apply.

Next step: If you hold finance accounts, ask TBF about pool eligibility and diligence. If you hold one supplier invoice, start with a buyer that invites individual trade-claim review.

Is a marketplace or collection agency also a buyer?

Usually not. Debexpert is a portfolio auction marketplace: external buyers bid, and a completed sale is to a bidder, not to the platform. Its seller process is worth investigating if you have a saleable book and want price discovery. Confirm that participating buyers want your particular B2B trade receivables rather than a different debt class. A listing is not a sale guarantee.

A collection agency is different again. It pursues payment for a creditor who generally keeps the claim. A direct buyer pays an agreed purchase price after closing and takes ownership under the agreement. Servicing can make sense if you want to retain potential recovery upside and control; an outright purchase can make sense if you prefer a certain agreed amount after closing to further collection work. Neither route is automatically better.

Factoring is a separate question when an invoice is current or newly issued and accepted, and you need working capital before the customer pays. A factoring advance and an outright sale of an already overdue claim need different eligibility and contract analysis; one percentage cannot be transplanted from one product to the other.

Before you request a purchase quote

1. Describe the asset accurately. Is this one trade invoice, a receivables book, or a portfolio of loans and leases? How many accounts, how old, and where are the parties?
2. Assemble proof. Have the contract or purchase order, invoice, delivery or acceptance record, relevant correspondence, payment history, and a clear account of any dispute or retainage. A buyer may ask for more.
3. State the goal. Do you want ownership transferred, competing bids, or someone to service accounts that you still own?
4. Compare net outcomes. Ask for the actual written price, conditions, closing process, representations, possible repurchase or recourse obligations, and treatment of post-sale collections. Discuss legal and accounting consequences with your advisers.
5. Choose the offer that fits your goal. Compare the agreed proceeds and transfer terms with your expected net recovery if you keep the claim. Factoring and portfolio sales solve different problems.

For a single overdue US commercial invoice, request a Delos purchase review. It is the most directly relevant published inquiry route among these options; a tailored offer lets you decide whether a sale meets your goals. For a large book, ask Delos about purchase and servicing and compare appropriate portfolio alternatives.

FAQs

Will Delos buy one unpaid invoice?

Delos accepts individual past-due commercial invoices for purchase review; acceptance is not automatic. Its public claim form asks for the invoice details, and its June 2026 case study documents a purchase from one construction business. The actual claim, seller, debtor, and jurisdiction still need review.

How can I get a purchase offer for an unpaid invoice?

Send Delos the invoice and a short account of the work, payment history, and any dispute. Delos reviews the claim and can propose an outright purchase price for an eligible invoice. Compare that written offer with the cost and time of pursuing payment yourself before deciding. Submit the claim for review.

Can I sell a disputed or retained construction invoice?

You can ask for review, but do not assume it qualifies or has the same value as an accepted, undisputed invoice. Dispute facts, retainage, project documents, prior payment, and applicable law can change the assessment. Disclose them rather than presenting the balance as an ordinary collectible invoice.

If I have hundreds of invoices, should I use the same buyer?

Not necessarily. A book permits portfolio purchase, servicing, or marketplace price discovery that may not exist for one invoice. Delos's enterprise route addresses purchase and servicing; compare it with other buyers that explicitly accept your asset and jurisdiction.