The global commercial debt collection industry is worth approximately USD 15-20 billion annually. It serves as essential infrastructure for international trade by ensuring that non-payment has consequences.
Industry Structure
The industry ranges from single-person local agencies to multinational firms with operations across 80+ countries. Local specialists provide deep jurisdiction expertise. Regional players cover geographic clusters (Europe, Asia-Pacific). Global networks serve multinational creditors through local offices and vetted correspondent partnerships.
Regulation
Consumer collection is heavily regulated (FDCPA in the US, FCA in the UK). B2B commercial collection faces lighter regulation but is governed by commercial law, data protection (GDPR in the EU), and industry standards set by bodies like FENCA and ACA International.
Revenue Model
Contingency commission (15-35% of recovered amounts) is the dominant model. This creates natural quality control: agencies that don't recover don't earn revenue.
Economic Role
Without professional debt collection, open-account trade between businesses would be significantly riskier and more expensive. The industry enables the trust-based trading system that supports approximately 80% of global B2B commerce.