Business-to-Business (B2B) Debt Collection Service Market Report 2026

The business-to-business (b2b) debt collection service market size has grown strongly in recent years. It will grow from $10.04 billion in 2025 to $10.7 billion in 2026 at a compound annual growth rate (CAGR) of 6.6%. The growth in the historic period can be attributed to increasing volume of commercial credit transactions, expansion of b2b trade activities, rising instances of delayed payments, growth of outsourced collection services, increasing need for structured credit management.

The business-to-business (b2b) debt collection service market size is expected to see strong growth in the next few years. It will grow to $13.65 billion in 2030 at a compound annual growth rate (CAGR) of 6.3%. The growth in the forecast period can be attributed to increasing integration of ai-driven collection tools, rising demand for ethical and compliant recovery practices, expansion of international trade collections, growing focus on portfolio-based debt recovery, increasing adoption of digital-first engagement models. Major trends in the forecast period include increasing adoption of automated debt collection platforms, rising use of predictive analytics for credit recovery, growing focus on compliance-driven collection practices, expansion of cross-border debt recovery services, enhanced use of digital communication channels.

The increasing consumer debt is expected to drive growth in the business-to-business (B2B) debt collection service market. Consumer debt refers to the amount owed by individuals using credit for purchases such as vehicles, education, or everyday goods. Rising living costs have led to greater reliance on credit to cover daily expenses. B2B debt collection services assist businesses by professionally pursuing and resolving unpaid debts from individual customers. For example, the Federal Reserve Bank of New York reported that total household debt increased by $93 billion (0.5%) in the fourth quarter of 2024, reaching $18.04 trillion. Thus, the rise in consumer debt is fueling expansion in the B2B debt collection service market.

Leading companies in the business-to-business (B2B) debt collection service market are adopting innovations such as generative artificial intelligence (AI) to improve customer engagement, automate query handling, boost recovery rates, and streamline communication while lowering operational costs. Generative AI produces new content, such as text or images, by learning from data patterns, enabling machines to create human-like responses. For instance, in November 2024, PAIR Finance, a Germany-based fintech, launched a generative AI tool powered by Llama 3 to enhance customer service. Since 2018, PAIR has utilized AI and behavioral science to personalize out-of-court solutions and increase recovery rates. The new system autonomously manages 92% of first-level queries, including installment requests and disputes, while forwarding complex cases to human agents for personalized assistance, reducing costs and improving user experience.

In March 2025, Perfios Software Solutions Pvt. Ltd., an India-based software firm, acquired CreditNirvana for an undisclosed amount. This acquisition enhances Perfios’s debt recovery capabilities by integrating AI-driven automation and predictive analytics into its platform, strengthening its end-to-end product suite to help financial institutions improve collections and reduce delinquencies. CreditNirvana specializes in AI-powered debt management and collection solutions and is based in India.

Major companies operating in the business-to-business (b2b) debt collection service market are Fidelity National Information Services Inc., Equifax Inc., TransUnion LLC, Transworld Systems Inc., Dun & Bradstreet Holdings Inc., Experian plc, Encore Capital Group Inc., PRA Group Inc., Compagnie Française d’Assurance pour le Commerce Extérieur (Coface), IC System Inc., TrueAccord Corp., AG Adjustments Ltd., Atradius Collections BV, Credit Mediators Inc., Rocket Receivables, Prestige Services Inc., Ross Stuart & Dawson Inc., Moody’s Analytics Inc., Euler Hermes Group SA, The Kaplan Group Inc.

North America was the largest region in the business-to-business (B2B) debt collection service market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the business-to-business (b2b) debt collection service market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the business-to-business (b2b) debt collection service market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The business-to-business (B2B) debt collection services market includes revenues earned by entities by providing services such as recovering overdue invoices from commercial clients, negotiating payment plans and settlements between businesses, providing credit risk assessment and monitoring solutions, initiating legal action for unresolved debts, and offering outsourced accounts receivable management to improve cash flow and reduce delinquencies. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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