How Much Will a Debt Collection Agency Cost You?
"No win, no fee" sounds great until you realize you're giving up 15% to 20% of the money you've already worked hard to earn. Use our calculator to see the true cost.
Calculate The Real Cost
Most UK B2B agencies charge between 10% and 20% on successful recovery.
Relationship Damage Not Calculated
Traditional debt collectors often use aggressive tactics (phone calls, field visits) which permanently destroy the client relationship. You will likely never work with them again.
You Actually Keep:
£42.00
You Actually Keep:
£49.85
The Hidden Cost of "No Win, No Fee"
When an invoice goes 30, 60, or 90 days overdue, panic sets in. The immediate reaction for many UK freelancers and small businesses is to search for a Debt Collection Agency.
These agencies heavily market their "No Win No Fee" or "No Collection No Commission" models. It inherently feels risk-free. You only pay if they get your money, right?
The reality is much harsher.
- Massive Commissions: The standard industry rate is 15%. If you are chasing a modest £4,000 project, giving away £600 of your profit margin is devastating.
- Hidden Admin Fees: Read the fine print. Many "no win no fee" contracts still include a non-refundable £50-£150 "administrative setup" or "registration" fee regardless of whether they collect a penny.
- Burnt Bridges: Traditional debt collectors use aggressive tactics. They start ringing the client's office constantly and threatening field visits. You will never work with that client again.
The AI-Driven Alternative
RecoupIQ was built because giving up 20% of your invoice to a middleman is obsolete.
By using Behavioral Psychology (specifically principles of loss aversion and urgency mapping, pioneered by Daniel Kahneman), RecoupIQ automates the escalation process. Our AI crafts multi-channel prompts (Email, SMS) that preserve the client relationship by acting as an impartial system, rather than an aggressive debt collector.
Instead of paying £600 to an agency to collect a £4,000 invoice, you pay a highly predictable, flat SaaS fee to use our platform. You keep 100% of the money you collect.