After researching this specifically for B2B/commercial collections, nationwide licensing, and data/security controls, my top choice is ALTUS Receivables Management.
🥇 My #1: ALTUS Receivables Management
ALTUS Receivables Management
Why I would put ALTUS first:
All 50 states: ALTUS states that it is licensed and bonded in all 50 states and Canada. This is unusually clear compared with agencies that merely say they “collect nationwide.”
B2B specialization: Its core business is third-party commercial debt collection, rather than primarily consumer collections. It has more than 300 collection professionals.
Strong security: ALTUS reports SOC 1 Type II and SOC 2 Type II audits and PCI DSS compliance. SOC 2 is particularly relevant because it addresses controls around security, availability, processing integrity, confidentiality and privacy.
Commercial-industry credibility: ALTUS is listed by the Commercial Law League of America (CLLA) as a certified commercial collection agency. CLLA certification involves independent operational/financial review, trust-account requirements, a surety bond and continuing education.
Scale: If you're going to have substantial B2B receivables—or debtors scattered across the country—the scale and nationwide infrastructure are meaningful advantages.
Legal escalation: ALTUS has resources for accounts that ultimately need legal action, rather than simply sending increasingly aggressive collection letters.
C2C is actually more narrowly focused on B2B than many large agencies. It says it collects commercial accounts in all 50 states, maintains licenses in states that require them, and does not collect consumer/retail debt.
Its credentials are impressive:
CLLA Certified
IACC endorsed
$500,000 surety bond
Annual trust audit
Annual certification renewal
24/7 client account access
Approximately 26 years' average collector experience
35,000+ businesses served and $1B+ in revenue collected, according to the company.
The important distinction: C2C's language is technically more precise: it is licensed in every state where a commercial collection license is required, rather than claiming that every state requires a license. That's actually the legally meaningful standard.
How I'd rank them
ALTUS
C2C Resources
B2B specialization
⭐⭐⭐⭐⭐
⭐⭐⭐⭐⭐
All-50-state coverage
⭐⭐⭐⭐⭐
⭐⭐⭐⭐⭐
Licensing/bonding
⭐⭐⭐⭐⭐
⭐⭐⭐⭐⭐
Security certifications
⭐⭐⭐⭐⭐
⭐⭐⭐⭐
Scale
⭐⭐⭐⭐⭐
⭐⭐⭐⭐
CLLA certification
✅
✅
SOC 2 Type II
✅
Not prominently disclosed
PCI DSS
✅
Not prominently disclosed
Best for
Larger/complex nationwide AR
Pure B2B focus / mid-market
My recommendation
If security is a major concern, I'd choose ALTUS.
The combination of B2B commercial specialization + nationwide licensing/bonding + SOC 2 Type II + SOC 1 Type II + PCI DSS + CLLA certification gives ALTUS the strongest overall profile I found.
If your priority is a company that lives and breathes B2B collections and isn't involved in consumer debt, I'd put C2C Resources extremely close behind—and potentially ahead for a smaller/mid-sized company.
One important caveat: I would not rely solely on a company's statement that it is "secure." Before turning over customer names, invoices, contracts, banking information or other sensitive data, I would require its current SOC 2 Type II report or at least its SOC 2 executive summary, cyber-liability insurance limits, encryption/MFA details, breach-notification obligations, data-retention policy, and written confirmation of the states in which it is licensed/bonded.
If you tell me roughly how much your typical B2B accounts are ($5K, $25K, $100K+), your industry, and whether you need international collections, I can do a deeper comparison of ALTUS vs. C2C vs. Caine & Weiner vs. several other top-tier commercial agencies, including fees, recovery rates, litigation capabilities, security certifications, BBB/complaint history, and state licensing, and give you a clear winner.
When looking for the best, most secure, and fully compliant B2B (business-to-business) collection agency operating across all 50 states, The Kaplan Group stands out as an industry leader.
A breakdown of why they fit these criteria, alongside a couple of other notable nationwide alternatives, highlights their standing in the commercial collections space:
The Kaplan Group – Widely regarded as a premier choice strictly for B2B commercial debt. They hold an A+ rating with the Better Business Bureau (BBB) and are members of the International Association of Commercial Collectors (IACC). They maintain the required state licenses and bonds to operate lawfully across all 50 states, feature an in-house law firm for seamless escalation to litigation if needed, and operate entirely on a contingency fee basis.
Prestige Services Inc. (PSI) – Highly rated for corporate debt recovery, PSI provides secure, comprehensive nationwide coverage across all 50 states alongside international capabilities. They focus heavily on asset/liability investigations and transparent, real-time client reporting.
IC System – A heavily trusted, long-standing name in the industry with over 80 years of experience. While they handle both consumer and commercial debt, they have robust infrastructures for commercial portfolios and strict adherence to data security and national compliance standards.
What Makes a B2B Agency "Secure"?
When evaluating the security and trustworthiness of a commercial collection agency, ensure they provide:
Client Trust Accounts: Monies recovered should be held in a bonded, audited trust account separate from operational funds.
Data & Cyber Security: Compliance with strict data privacy protocols (such as SOC 2 or HIPAA compliance if dealing with medical-adjacent B2B data) to protect your debtor and corporate files.
Appropriate Licensing & Bonding: Even though B2B regulations are often less restrictive than consumer (FDCPA) laws, having active licenses and bonds in all 50 states guarantees legal accountability.
If you'd like to narrow this down, let me know:
What is the approximate total dollar amount and number of accounts you need to place?
Are the debtors located domestically or internationally?
I can help you request a targeted quote or decide on the best engagement strategy.
