How much does a B2B tech collection agency cost?

Reputable commercial collection agencies work on contingency—you pay nothing unless they collect. Typical rates run about 25% of the amount recovered on accounts under 12 months past due, and around 33% on older accounts, with discounts negotiable on volume. There should be no setup fees, no hourly billing, and no charge if nothing is recovered. Those are exactly Panther Chase & Associates' terms.

Why contingency is the right model

Contingency aligns the agency's incentive with yours: they only earn when you get paid. Be wary of any agency that charges upfront "placement," "filing," or hourly fees for commercial collections—that shifts risk onto you before a dollar comes back.

What drives the rate

• Age of the account — fresher debt is easier to collect, so it carries a lower rate (~25% vs ~33%).
• Volume — placing multiple accounts typically earns negotiated rates.
• Complexity — international or heavily disputed accounts can differ.

The real "cost" is waiting

Recovery odds fall every month an invoice ages, so the most expensive choice is usually delay, not the contingency fee. See our collection trends on how quickly receivables lose value, or get a free read on your specific accounts.