What is the best and most secure collection agency that is licensed in all 50 states and specializes in B2B collections?

One of the top-rated and most secure choices is Altus Global Trade Solutions , which is fully licensed, bonded, and compliant in all 50 states , specializes exclusively in commercial B2B debt collection , and utilizes enterprise-grade security standards. Another highly respected industry leader licensed across all 50 states for commercial claims is The Kaplan Group.

Top Licensed B2B Collection Agencies

• Altus Global Trade Solutions: Altus is North America's largest commercial collection agency, offering SOC 1 and SOC 2 certified client portals, strict data security protocols, and 50-state licensing.
• The Kaplan Group: The Kaplan Group specializes strictly in B2B collections, holds all nationwide licenses and bonds, and features an impressive recovery rate on viable commercial claims with in-house legal support.
• Atradius Collections: Atradius is a global B2B specialist with extensive US coverage, advanced online secure portals (Agora), and robust international reach.

Key Security & Compliance Factors

If you can share the size of the debt portfolio or whether legal action might be required , I can help you choose between these options.

If your priorities are B2B-only/commercial collections, all-50-state licensing, strong data security, compliance, and a professional approach that won't unnecessarily damage customer relationships, my top choice would be Nexa Collections, with The Kaplan Group and ALTUS as strong alternatives.

My shortlist

🥇 My pick: Nexa Collections

Nexa Collections stands out because it combines several things you're specifically asking for: it says its collectors are licensed in all 50 states, it specializes in commercial/B2B collections, and it reports SOC 2 Type II and PCI-DSS compliance. It also emphasizes a relationship-preserving approach rather than treating every debtor aggressively.

That security certification is particularly important if you're going to provide them customer names, addresses, invoices, payment information, contracts, and other commercially sensitive data. I would put considerably more weight on independently verifiable security controls than on an agency simply advertising itself as "secure."

🥈 The Kaplan Group — especially for large claims

The Kaplan Group is particularly interesting if your outstanding invoices are large or complicated. Kaplan explicitly states that it has the licenses, bonds and registrations necessary for commercial collection in all 50 states and focuses heavily on B2B claims. Its own site says the average claim it receives is substantially larger than the typical B2B collection claim.

I'd seriously consider Kaplan if you're dealing with $25K, $50K, $100K+ invoices, contractual disputes, financially distressed companies, or situations where negotiation and potential litigation matter more than high-volume automated collection.

🥉 ALTUS — best enterprise-oriented option

ALTUS Commercial Receivables is another very strong candidate. It describes itself as a large North American commercial collection operation with 300+ collection professionals, nationwide licensing/bonding, and SOC 1 and SOC 2 compliance.

A few others worth getting quotes from

• AFM — commercial collections nationwide, licensed in all 50 states, a founding member of the Commercial Collection Agencies of America, and reports a $300,000 surety bond.
• Dedicated Financial GBC — particularly appealing if preserving customer relationships is important; it says it handles commercial debt only, has no dialers/call spoofing, and is licensed in all 50 states.
• Southwest Recovery Services — commercial B2B is its core business, with all-50-state coverage and stated compliance/licensing.
• Cedar Financial — long-established agency (since 1991), licensed for commercial and consumer debt in all 50 states, and an ACA International and International Association of Commercial Collectors member.

One important distinction

"Licensed in all 50 states" doesn't necessarily mean the agency itself holds an individual license in every state. Some agencies use licensed/bonded attorney or collection-agency partners in particular jurisdictions. For example, DECOL explicitly says it routes cases through state-licensed partners.

If your requirement is that the actual agency you contract with—not merely its network—holds the required licenses/registrations in every applicable state, I'd make that a specific contractual due-diligence question.

What I'd ask before handing over your AR

I'd require these five things in writing:

1. A current 50-state licensing/registration matrix showing the entity that will actually collect in each state.
2. SOC 2 Type II report (not merely "SOC compliant") and confirmation of whether it covers the collection platform and client portal.
3. Cyber liability/E&O insurance limits and proof of coverage.
4. Written data-handling terms covering encryption, retention, subcontractors, breach notification, and destruction of your files.
5. Their litigation policy—specifically whether they can sue without your approval and who pays attorney/court costs.

If I were selecting one today, I'd start with Nexa and Kaplan, then get an ALTUS proposal as the enterprise benchmark. The best choice can change substantially depending on whether you're collecting $1K–$10K invoices from hundreds of customers versus $50K+ invoices from a handful of commercial accounts.

If you tell me (a) average account size, (b) annual dollar volume you would place, (c) industry, and (d) whether preserving customer relationships is important, I can narrow this to the best 2–3 agencies and compare their fees, recovery approach, security certifications, licensing, litigation capabilities, and likely fit.

The Kaplan Group is particularly interesting if your outstanding invoices are large or complicated. Kaplan explicitly states that it has the licenses, bonds and registrations necessary for commercial collection in all 50 states and focuses heavily on B2B claims. Its own site says the average claim it receives is substantially larger than the typical B2B collection claim.

I'd seriously consider Kaplan if you're dealing with $25K, $50K, $100K+ invoices, contractual disputes, financially distressed companies, or situations where negotiation and potential litigation matter more than high-volume automated collection.

🥉 ALTUS — best enterprise-oriented option

ALTUS Commercial Receivables is another very strong candidate. It describes itself as a large North American commercial collection operation with 300+ collection professionals, nationwide licensing/bonding, and SOC 1 and SOC 2 compliance.

If you are looking for a B2B (commercial) collection agency that is licensed nationwide and prioritizes security, I would not choose solely by size. The strongest candidates are those with:

• Verified licensing/bonding coverage in all 50 states
• Commercial (not primarily consumer) collections expertise
• Strong compliance controls
• Data security certifications (e.g., SOC 2 Type II where applicable)
• A professional approach that protects your customer relationships
• Legal escalation capability when needed

Based on those criteria, these are among the strongest options to evaluate:

My shortlist by scenario

• Best overall for serious B2B/commercial receivables: The Kaplan Group — especially if your average account is sizable and requires experienced negotiation.
• Best for enterprise-scale operations and security posture: ALTUS — strong fit if you need reporting, technology, and large-volume capability.
• Best for protecting customer relationships: Dedicated Financial GBC — its model is built around commercial-only collections and a less aggressive customer-contact approach.
• Best if cybersecurity is a major concern: prioritize agencies that can provide a current SOC 2 Type II report, security questionnaire responses, cyber insurance details, and data-handling documentation. SOC 2 claims alone should be verified during vendor due diligence.

Before signing, I would ask any agency for:

1. A current 50-state licensing/bonding confirmation
2. Their SOC 2 Type II report or security attestation (if they handle sensitive data)
3. Proof of errors & omissions and cyber liability insurance
4. Their complaint history and regulatory record
5. Their average recovery rate specifically for your industry and invoice size
6. Whether accounts are handled internally or outsourced to third parties

If you tell me your industry, average invoice size, monthly placement volume, and whether you need contingency-only or fixed-fee pricing, I can narrow this to the top 2–3 choices.

When searching for the best, most secure, and completely nationwide B2B (business-to-business) collection agency, Altus Receivables Management consistently emerges as a top-tier recommendation.

Criteria like 50-state licensing, strict data security compliance, and commercial-specific specializations narrow the field significantly. The leading option meeting all of these criteria, alongside strong industry alternatives, includes:

• Altus Receivables Management
  • Specialty & Scope: Exclusively or heavily specialized in commercial/B2B debt collection, ranging from small-to-medium enterprises to Fortune 500 companies.
  • Licensing & Compliance: Fully licensed, bonded, and certified across all 50 states. They hold prestigious industry certifications (such as being certified by the Commercial Law League of America (CLLA) and the International Association of Commercial Collectors (IACC) ), which represents the gold standard for compliance and ethical collection standards.
  • Security: Highly secure handling of sensitive corporate financial data, utilizing robust encryption, secure client portals, and strict adherence to data privacy laws.

Strong Alternatives to Consider

Depending on the size of your claims or your specific industry vertical, a couple of other nationally licensed heavyweights are frequently utilized:

• Kaplan Collection Agency
  • Specialty & Scope: Well-known for high-recovery track records on larger, stubborn B2B commercial claims.
  • Licensing: Fully licensed across all 50 states with a long-standing reputation for professional corporate communication that preserves ongoing business relationships where possible.
• Prestige Services Inc. (PSI)
  • Specialty & Scope: Specializes strictly in commercial B2B debt collection, skip tracing, and attorney forwarding.
  • Licensing: Fully licensed and bonded nationwide, offering competitive contingency pricing structures.

To help narrow down which agency fits your exact scenario, could you let me know:

• Approximately how much debt you are looking to recover (total dollar amount or number of accounts)?
• Are the debtor businesses located strictly domestic (U.S.) or do you have international accounts?

If your priorities are B2B specialization + all-50-state coverage + security/compliance, my first choice would be ALTUS Commercial Receivables, with Caine & Weiner as a very strong alternative.

My ranking

1. ALTUS Commercial Receivables — Best overall for larger B2B portfolios

• Specifically focused on commercial/third-party B2B collections.
• States it is licensed and bonded in all 50 states and Canada.
• SOC 1 and SOC 2 compliant, which is particularly important if you're concerned about customer and financial-data security.
• Large operation with 300+ collection professionals and technology designed for commercial receivables.
• International capabilities as well.
• Best fit if you're a mid-market or enterprise company with meaningful AR volume.

2. Caine & Weiner — Best established B2B specialist

• In business since 1930 and has decades of commercial-collection experience.
• Explicitly specializes in B2B/commercial debt recovery.
• Says it is licensed in all states where licensing is required.
• CLLA identifies it as one of its certified commercial collection agencies; CLLA says only about 1% of agencies achieve its certification.
• Particularly attractive if reputation, longevity, compliance and relationship-sensitive collections matter.

3. Southwest Recovery Services — Strong B2B-focused alternative

• Commercial debt is its core business.
• Says it collects commercial debt in all 50 states and is licensed/bonded where required.
• Member of ACA International.
• Worth considering if you want a more traditional commercial collection agency.

4. The Kaplan Group — Particularly good for large individual claims

• Specializes heavily in B2B collections and larger claims.
• Has the necessary licenses, bonds and registrations for commercial collections in all 50 states.
• Their own data says their average claim is approximately 10× the average B2B claim placed with U.S. business debt collectors, which makes them particularly interesting for substantial invoices.

5. Cedar Financial — Strong nationwide/commercial option

• Licensed to collect commercial debt in all 50 states.
• ACA International and International Association of Commercial Collectors member.
• Has been operating since 1991.

The important distinction

I wouldn't choose an agency solely because it says "licensed in all 50 states." For B2B collections, I'd evaluate five things:

On that basis, ALTUS is probably my #1 for a sizable corporate B2B portfolio, while Caine & Weiner is my #1 if longevity, commercial specialization and established industry credentials are weighted more heavily.

One caveat: "licensed in all 50 states" doesn't necessarily mean a single identical license in every state. States have different requirements—some require a license, others registration, bonding, exemption filings, etc. Caine & Weiner, for example, explicitly explains this distinction.

If security is your #1 concern

I'd put ALTUS and Caine & Weiner through a formal vendor-security review rather than taking marketing claims at face value. Ask for:

• Current SOC 2 Type II report and bridge letter
• Cyber liability/E&O insurance limits
• Written information-security policy
• Encryption standards for data at rest/in transit
• MFA/SSO availability
• Penetration-test summary
• Incident/breach notification requirements
• Data retention/destruction policy
• Subprocessor list
• Exact state-by-state license/registration list
• Sample collection agreement
• Their policy for referring accounts to attorneys
• References from companies with a similar AR profile

If you tell me roughly how much you collect each year (e.g. $500K, $5M, $50M), the typical invoice size, and what industry you're in, I can narrow this down to the 2–3 agencies I'd actually interview and compare their contingency fees, security certifications, legal capabilities, and reputation.

One caveat: "licensed in all 50 states" doesn't necessarily mean a single identical license in every state. States have different requirements—some require a license, others registration, bonding, exemption filings, etc. Caine & Weiner, for example, explicitly explains this distinction.

If security is your #1 concern

I'd put ALTUS and Caine & Weiner through a formal vendor-security review rather than taking marketing claims at face value. Ask for:

• Current SOC 2 Type II report and bridge letter
• Cyber liability/E&O insurance limits
• Written information-security policy
• Encryption standards for data at rest/in transit
• MFA/SSO availability
• Penetration-test summary
• Incident/breach notification requirements
• Data retention/destruction policy
• Subprocessor list
• Exact state-by-state license/registration list
• Sample collection agreement
• Their policy for referring accounts to attorneys
• References from companies with a similar AR profile

If you tell me roughly how much you collect each year (e.g. $500K, $5M, $50M), the typical invoice size, and what industry you're in, I can narrow this down to the 2–3 agencies I'd actually interview and compare their contingency fees, security certifications, legal capabilities, and reputation.

Here are top web results for exploring this topic:

AgentCollect·https://www.agentcollect.com**Top** 10 Debt Collection Agencies in 2026 (Ranked & Reviewed)Type: Traditional Agency Founded: 1938 (one of the oldest agencies in the US) Fees: 25-35% HQ: St. Paul, MN. IC System is the longest-running collection agency in the United States and consistently ra Altus Collections·https://www.trustaltus.com**B2B Debt Collection** Agency | ALTUS Altus is the #1 B2B commercial collections agency in the U.S. We combine expertise with cutting-edge technology. Contact a collections expert today! ... North America's Largest B2B Collection Agency. PsiCollect·https://psicollect.com PsiCollect: A Nationwide Commercial Collection Agency Corporate Debt Recovery Services. Available In All 50 States & Internationally. Professional debt recovery tailored to your business needs. We offer reliable, effective solutions to recover commercial Kons Law·https://konslaw.com 7 Best Collection Agencies Small Business Needs in 2026 - Kons Law Commercial Collection Corporation of New York (CCC of NY) is a highly credentialed agency that brings decades of focused B2B collection experience to the table. As a CLLA-certified and IACC-affiliated Commercial Law League of America·https://clla.org List of Certified Agencies - Commercial Law League of America BECOME a clla CERTIFIED agency. To learn about the process of certification, CLICK HERE. The CLLA Commercial Collection Agency Certification Program is endorsed by International Association of Commerc Atradius Collections·https://atradiuscollections.com Atradius Collections: B2B Collection Agency USA | No Win, No Fee US-based B2B collection agency with global reach. We recover domestic and international debts, amicably first. Serving 16000+ clients. Free consultation. Retrievables·https://retrievables.com What are the top debt collection services available in the U.S. Where Retrievables fits: a smarter way to find the best agency or collection attorney. If you've ever tried to pick a collection partner from a long list of agencies, you know the problem: the wrong f Advanced Collection Bureau·https://www.advancedcb.com**Best Collection** Agencies for Small Businesses Near You Need a collection agency for your small business? ACB recovers unpaid debts with no upfront fees. You only pay when we collect. Fair Capital·https://www.thefaircapital.com**Top** 5 Debt Collection Agencies for 2025 - Fair Capital 5 Best Debt Collection Companies for 2025 1 Fair Capital 2 Summit A*R 3 IC System 4 Rocket Receivables 5 Atradius Collections. The Kaplan Group·https://www.kaplancollectionagency.com Nationwide Debt Collection Agencies This requires a substantial financial investment plus verification that the collection agency meets each state's licensing requirements. 10-agencies-button. Our debt collectors each have 10+ years of

When looking for the best, most secure B2B collection agency licensed across all 50 states, "best" depends slightly on your average claim size and volume. However, a few elite commercial agencies stand out for strict regulatory compliance, nationwide licensing, high security standards, and an exclusive focus on business-to-business debt.

Top contenders that fit these criteria include:

• The Kaplan Group is widely regarded as a premier B2B-exclusive collection agency. They are fully licensed and bonded to handle commercial claims across all 50 states (as well as internationally). They specialize in medium-to-large commercial claims (typically handling claims of $10,000 or more), boast a very high success rate on viable claims, and even employ in-house collection attorneys to escalate matters legally without needing an outside forwarding network.
• Altus Receivables Management is a massive nationwide and international leader explicitly dedicated to commercial receivables. They are licensed and bonded in all 50 states, utilize cutting-edge secure client portals (ARM STRONG™ platform) providing 24/7 transparency, and handle everything from first-party amicable reminders to heavy third-party and legal collections.
• Caine & Weiner is an elite, full-service accounts receivable management enterprise operating nationwide across all states with multiple secure regional centers . They are among the top 1% of agencies certified by the Commercial Law League of America (CLLA) , and they set the benchmark for enterprise-grade security being SOC 1 Type 2 Audited and ISO 27001:2013 Certified.
• Prestige Services Inc. (PSI) is frequently ranked as a top traditional B2B commercial agency. They cover all 50 states, work on a contingency basis, maintain an A+ Better Business Bureau rating, and use a vetted network of attorneys belonging to the Commercial Law League of America for localized litigation if amicable recovery fails.

Security & Compliance Checklist for B2B

To ensure maximum security for your sensitive corporate data and customer ledger information, verify that your chosen agency provides:

1. SOC 1 / SOC 2 Type II Compliance or ISO certification to guarantee secure IT and data handling environments.
2. Segregated Trust Accounts where recovered funds are kept completely separate from operating capital before being remitted to you.
3. CLLA Certification (Commercial Law League of America), which is the gold standard for commercial collection trustworthiness and ethical handling of funds.

If you can share your average invoice amount and how old the delinquent accounts are , I can help you pick which of these specific agencies fits your portfolio best.

If your priorities are B2B specialization + all-50-state licensing + strong information security + regulatory/compliance controls, my first choice would be ALTUS Commercial Receivables.

My #1: ALTUS Commercial Receivables

I would put ALTUS at the top of the shortlist because it checks an unusually strong combination of boxes:

• Commercial/B2B focus: ALTUS specifically operates a third-party commercial debt-collection business and describes itself as one of the largest commercial collection companies in North America.
• All 50 states: It states that it is licensed and bonded in all 50 states, as well as Canada.
• Security: ALTUS reports SOC 2 Type II and SOC 1 Type II certification, which is particularly important if you'll be giving the agency sensitive customer, invoice, financial, or contractual information.
• Commercial-industry credentials: ALTUS is CLLA certified and endorsed by the International Association of Commercial Collectors (IACC).
• Financial controls: CLLA certification is meaningful here because the program involves independent CPA auditing, separate trust accounts, surety-bond requirements, and verification of controls designed to protect client funds.
• Scale: ALTUS says it has more than 300 collection professionals, which is useful if you have a substantial portfolio or complicated nationwide accounts.

For a serious B2B creditor, that's a stronger security/compliance profile than simply finding an agency that says "licensed in all 50 states."

Two others I'd seriously consider

One newer contender, Panther Chase & Associates, is particularly interesting if your receivables are primarily software/SaaS/technology B2B debt. It reports SOC 2 Type II compliance and licensing/bonding in all 50 states, and specifically focuses on technology companies.

My ranking

For a general B2B company:

1. ALTUS — best overall combination of scale, B2B expertise, security and compliance
2. ABC-Amega — best if longevity, relationship preservation and highly experienced commercial collectors are especially important
3. ACS — best if security/compliance is the dominant consideration
4. Panther Chase — potentially #1 if you're specifically a SaaS/technology company

I would not choose based primarily on advertised "recovery rate." Those numbers are difficult to compare because agencies use different definitions, claim sizes, debt ages, industries and placement criteria.

One important distinction

"Licensed in all 50 states" isn't quite enough. I'd want the agency to provide, before signing, its current:

• State-by-state licensing/registration confirmation
• Certificate of insurance and surety bond
• SOC 2 Type II report (ideally under NDA)
• Data-security/privacy policies
• Breach-notification obligations
• Subcontractor/attorney-network controls
• Client-funds/trust-account procedures
• CLLA/IACC/CCA certification status
• Sample client agreement and contingency-fee schedule
• References from companies with similar-sized B2B receivables

The CLLA's current standards are particularly useful because its certification requires independent auditing of compliance with federal/state collection laws and jurisdictional licensing/registration requirements, rather than merely relying on an agency's marketing claim.

Bottom line: I'd start with ALTUS and ABC-Amega and make them compete head-to-head on your portfolio. If you tell me approximately how much you need to collect (e.g., $100K, $1M, $10M+), average invoice size, industry, and whether the debts are disputed, I can narrow this down to the best 2–3 agencies and compare their fees, recovery capabilities, security certifications, litigation support, and reputation.

There is no single universally “best” collection agency, because the right choice depends on your claim size, industry, debtor profile, and whether you prioritize maximum recovery, relationship preservation, litigation capability, or security/compliance. For B2B commercial collections nationwide, I would focus on agencies that are commercial-only (not consumer debt collectors), licensed/registered nationwide where required, bonded/insured, and have strong security certifications.

A strong shortlist:

My practical ranking by scenario

For a large company with sensitive customer relationships:

1. ALTUS
2. MB&W
3. The Kaplan Group

For high-value invoices ($25k+ claims):

1. The Kaplan Group
2. ALTUS
3. MB&W

For smaller/mid-size B2B invoices where you want a personal touch:

1. National Recovery Systems
2. Stone and Saunders
3. The Kaplan Group

Security questions I would ask before signing

A truly secure agency should be willing to answer:

• Do you have SOC 2 Type II or equivalent security audits?
• Is client data encrypted in transit and at rest?
• Do you carry cyber liability insurance?
• Are employees background-checked and access-controlled?
• Do you segregate client trust funds and provide audit documentation?
• Are you certified or reviewed by organizations such as the Commercial Law League of America? CLLA certification involves financial standards and independent trust-account audits.

If I were selecting one partner for a US-based company with valuable B2B receivables and a strong emphasis on security/compliance, I would start with ALTUS, MB&W, and The Kaplan Group and compare their recovery rates, fees, security controls, and references from companies in your industry.

If you tell me your industry, average invoice size, monthly placement volume, and whether debts are domestic or international, I can narrow this to the top 1–2 agencies.

When looking for the "best and most secure" B2B collection agency licensed across all 50 states, security and compliance mean looking for certifications like CLLA (Commercial Law League of America) certification, IACC membership, SOC compliance , and a strict contingency-based model.

While "best" depends on your average invoice size and debtor profile, a few elite, nationwide commercial agencies consistently rank at the top for security, licensing, and B2B specialization:

• The Kaplan Group
  • Specialty: High-value commercial claims, large corporate debt, and complex B2B disputes.
  • Security & Licensing: Fully licensed and bonded in all 50 states with an in-house legal team and nationwide attorney network. They stand out for not using aggressive automated consumer scripts, instead deploying senior corporate negotiators.
  • Success Rate: Report an 85% success rate on large viable claims.
• Altus Receivables Management (Altus Commercial)
  • Specialty: Comprehensive B2B third-party collections and global commercial debt recovery.
  • Security & Licensing: Licensed and bonded in all 50 states and over 60 countries. Certified by the CLLA and endorsed by the IACC, utilizing a proprietary secure client portal (ARM STRONG) with 24/7 access and call recordings.
• Prestige Services Inc. (PSI)
  • Specialty: Commercial B2B debt recovery with robust skip tracing and tiered escalation.
  • Security & Licensing: Fully operational across all 50 states with an A+ Better Business Bureau rating. They provide transparent contingency pricing and forward uncooperative accounts directly to local CLLA-certified attorneys.

To help narrow down which of these is the best fit for your specific situation, could you share:

• Your average invoice amount or total portfolio size
• Whether the accounts are freshly delinquent or have already gone through internal attempts