B2B, not buzzwords

    Collection Agency for Small Business

    Your cash gap isn't mysterious. Their invoice isn't lost in an inbox — it's hiding.

    Start a ClaimGet Free AR Audit
    SMALL BUSINESS · LIVE BRIEFING
    AUDIENCE: SMB OWNER / CFO
    ◆ COLLECTY BRIEFING · SMB DEBT COLLECTION
    Their invoice isn't lost.
    It's hiding.
    You already sent the reminders. You already gave grace. You're not chasing a misunderstanding — you're chasing a decision. This briefing covers what's really happening, why small businesses lose more than big ones, and how Collecty is built for exactly your size.
    $1k+
    ideal claim floor
    0
    upfront fees ever
    Same day
    contact on intake
    Chapter 1 of 5 · THE 3 LIES
    The 3 Lies Small
    Businesses Hear
    They sound helpful. They're not. Every week you delay is a week the debtor normalises not paying and their cash position changes. "Give them more time" turns your invoice into a free loan. "It'll sour the relationship" ignores that nothing sours trust like ignored invoices. "They promised Friday" is a promise that doesn't hit the bank.

    These aren't reasons to wait. They're reasons to act — before the limitation window closes or the debtor disappears.
    ❌ "Give them more time."
    Time is their free loan, not your plan.
    ❌ "It'll sour the relationship."
    Nothing sours trust like ignored invoices.
    ❌ "They promised payment Friday."
    Promises don't hit the bank.
    OPTIMAL ACTION WINDOW
    Day 60–90
    After internal dunning fails
    Chapter 2 of 5 · THE SMB TRIPLE HIT
    Why This Hurts Small
    Businesses More
    A Fortune 500 company writes off a late invoice and moves on. You can't. Small businesses carry three compounding costs that big companies absorb with ease: terms creep that becomes policy, owner time consumed by AR instead of sales, and thin margins that can't absorb float.

    When you're chasing debt yourself, you're the most expensive person in the company doing the lowest-leverage job. That's the real cost of a late invoice — and it compounds every week you don't escalate.
    NET-60 DRIFT
    Terms Creep
    Grace becomes policy when no one pushes back. Net 30 becomes net 90 by default.
    OWNER TIME
    You Are A/R
    Chasing debt replaces sales and planning. The highest-cost person doing the lowest-leverage job.
    THIN MARGINS
    Float Hurts Twice
    You finance them while paying your own bills. Small margins can't absorb extended float.
    Chapter 3 of 5 · WHAT YOU ACTUALLY GET
    What You
    Actually Get
    No retainers. No setup costs. No subscriptions. Collecty operates on a success-based fee — we collect, or you don't pay collection fees. Full stop.

    Outreach runs in your brand voice — soft first, then firm — so your relationship with the debtor isn't burned by scripted pressure tactics. Live status and payoff forecasts mean you're never in the dark. And legal escalation only happens when the recovery math clears the cost.
    ✓
    Success-based fee — We collect, or you don't pay.
    ✓
    No retainers or setup — Zero upfront. Zero subscriptions.
    ✓
    Dispute handling — Documentation ready from day one.
    ✓
    Soft-then-firm outreach — In your brand voice, not ours.
    ✓
    Live status + forecasts — Always know where your case stands.
    ✓
    Legal only if ROI clears — No pointless legal spend on small claims.
    Chapter 4 of 5 · THE $1,000 FLOOR
    The $1,000 Floor,
    Without the Lawyer Voice
    Below $1,000, recovery odds rarely beat the cost curve. Filing fees and staff hours eat the win — so we usually say pass. Use the late payment calculator and tighten terms next time.

    Above $1,000, the process is simple: Submit your invoice, contract, and notes. We Triage — scoring collectability, age, and cost to chase. We open with Amicable Outreach using proof and clear deadlines. Escalation only happens when the recovery math works.
    IDEAL CLAIM FLOOR
    $1,000+
    Below this, filing costs eat the recovery. We'll tell you honestly when to pass.
    1
    Submit
    Invoice, contract, notes. Two minutes.
    2
    Triage
    We score collectability, age, cost to chase.
    3
    Amicable Outreach
    Proof, options, clear deadlines. No threats.
    4
    Escalate If Worth It
    Legal only when recovery math works.
    Chapter 5 of 5 · SIZED FOR SMB
    Built for SMB,
    Not Fortune 500
    Big agencies want $20k+ claims and have scripted pressure tactics that ignore your brand. DIY chasing is free — if your weekend is worthless. Collecty is priced, scoped, and timed for the business that has real invoices and no debt recovery department.

    Same or next day contact. Firm, respectful, clear tone. Live reporting. Legal path only if the ROI calculation actually clears. No minimum contract. No relationship to lock you in.
    Big Agency
    DIY Chasing
    Collecty
    Setup fees
    Retainer + onboarding
    Free (your weekend)
    None
    Min. claim
    $20k+ preferred
    Anything, your risk
    $1k+ ideal
    Speed
    Days after intake
    When time appears
    Same/next day
    Tone
    Scripted pressure
    Too soft or sharp
    Firm, respectful
    Reporting
    Monthly PDF
    Sticky notes
    Live status
    Legal path
    In-house first
    You Google and guess
    Only if ROI clears
    ◆ END OF BRIEFING · SMALL BUSINESS RECOVERY
    Stop financing
    their business with yours.
    CH · I
    The 3 lies
    Act now
    day 60–90 window
    CH · II
    Triple hit
    3×
    compounding SMB cost
    CH · III
    No win
    No fee
    zero upfront always
    CH · IV
    Floor
    $1,000+
    ideal claim size
    CH · IV
    Steps
    4
    submit to escalate
    CH · V
    Contact
    Same day
    on intake
    Tell us the invoice amount, the debtor's country, and how long it's been outstanding. We'll assess recoverability — and tell you honestly whether to pursue or pass.
    Start a Claim, Free →

    The 3 Lies Small Businesses Hear

    They sound helpful, until they don't.

    “Give them more time.”

    Time is their free loan, not your plan.

    “It'll sour the relationship.”

    Nothing sours trust like ignored invoices.

    “They promised payment Friday.”

    Promises don't hit the bank.

    Why Small Businesses Bleed Cash Differently

    Net-60 drift

    Terms creep

    Grace becomes policy when no one pushes back.

    Owner time

    You are A/R

    Chasing debt replaces sales and planning.

    Thin margins

    Float hurts twice

    You finance them while paying your own bills.

    What You Actually Get

    • Success-based fee. We collect, or you don't pay collection fees.
    • Soft-then-firm outreach in your brand voice.
    • No retainers, setup costs, or subscriptions.
    • Live status, notes, and payoff forecasts.
    • Dispute handling with documentation ready.
    • Legal handoff only when ROI clears the cost.

    The $1,000 Floor, Without the Lawyer Voice

    Below $1,000, recovery odds rarely beat the cost curve. Filing fees and staff hours eat the win.

    We usually say pass. Save the legal talk for bigger balances.

    Use our late payment calculator and tighter terms next time — deposits, shorter nets, card-on-file.

    Late Payment Calculator Tighten Your Terms

    How It Works

    1

    Submit

    Upload the invoice, contract, and notes.

    2

    Triage

    We score collectability, age, and cost to chase.

    3

    Amicable Outreach

    We start with proof, options, and clear deadlines.

    4

    Escalate If Worth It

    Legal only when the recovery math works.

    Sized for SMB, Not Fortune 500

    Big agencyDIY chasingCollecty
    Setup feesRetainer + onboardingFree, but it's your weekendNone
    Minimum claim size$20k+ preferredAnything, at your risk$1k+ ideal
    Speed to contactDays after intakeWhen time appearsSame or next day
    Tone with debtorsScripted pressureToo soft or too sharpFirm, respectful, clear
    ReportingMonthly PDFSticky notesLive status and notes
    Legal pathIn-house firstYou Google and guessOnly if ROI clears

    Questions Owners Actually Ask

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