B2B debt collection services in India
Direct answer. GGA provides B2B debt collection and overdue receivables management in India for corporate customers, dealers, distributors, and Government or PSU accounts. We establish the amount owed, identify the cause of non-payment, pursue the agreed recovery route and report what happens. The creditor receives the money directly; GGA does not hold collections.
ENGAGE GGA
What you can appoint GGA to do
Reconcile the assigned book, identify missing documents and disputed deductions, manage customer follow-up and approved field work, track payment commitments, and maintain an account-by-account action record. You receive a named owner, evidenced blockers, the next action and actual receipts—not just a calling log.
Scope boundary. Commercial B2B receivables only. Recovery is not guaranteed. Litigation and formal legal advice are handled by authorised counsel under separately approved terms.
Start with the company name, location, amount or proposed exposure, and the decision you need. No full KYC pack is needed in the first email.
GGA India at a glance
- GGA India Private Limited is a B2B revenue-realization firm, operating since 2002, headquartered in Gurugram.
- 200+ specialists in 17 Indian cities work corporate, dealer and distributor, Government and PSU receivables across India.
- Success commission is based on cash actually received. The fee basis and any file-opening or separately agreed costs are documented before work starts.
- Your customers pay you directly. GGA never receives or holds your money.
- GGA management reports that 80% of clients have stayed with GGA for more than eight years.
What is probably going on
Owning an invoice starts with finding where it is stuck. Why your overdue is stuck decides what any hire can fix. Four groups:
- Stuck in the customer's process. No GRN or service entry sheet, a closed PO line, the wrong GSTIN. Test: if the customer's ledger does not show your invoice as booked, a corrected document moves it; calls do not.
- Held against a claim. A short-payment, rate difference or debit note nobody answered. Test: if the customer names a disputed amount, the fix is a reconciliation with evidence.
- Deferred on promises. Booked, undisputed, unpaid after two promised dates. Test: if the customer agrees the figure but not the date, disciplined follow-up works.
- Genuinely unable to pay. Test: if other suppliers report the same delay, this is a credit and legal question.
Persistent calls fix only the third group; the first two need documents, the fourth counsel. On one medical-equipment book, open issues after four months were 63% commercial, 24% deductions, 11% contact missing and 2% genuine credit risk.
The pattern behind it. An ageing that will not move is revenue sold but not collected, with causes on both sides. Inside, sales, billing and finance each touch the invoice and none owns it to the bank. Outside, each step of the customer's process sits with a different person. You need an Invoice Lifecycle Owner — one named owner from submission to cash — not another caller. The GGA model explains it.
Three channels, three different jobs
Exhibit 1: What a hire must do differently for each type of customer
| Channel | Where the money stalls | What the hire must do | Read next |
|---|---|---|---|
| Dealers and distributors | Unsettled schemes and credit notes; dealers who stopped buying | Reconcile claims, visit, verify the business still trades | Dealer collections |
| Direct corporate customers | GRN, approvals, deductions, payment runs | Work the customer's six owners; answer deductions on evidence | AR outsourcing |
| Government and PSU | Measurement, bill passing, sanction, funds, treasury | Complete and track the file; offer nothing to anyone | Government follow-up |
Each channel has its storyline page: trade channel, corporate customers and Government & PSU.
Your options
Each option suits some books; the mistake is hiring calls for a document problem.
Exhibit 2: Five ways to run B2B collections in India, compared fairly
| Option | What it fixes | What it costs | Risk to the relationship | When it is the right choice |
|---|---|---|---|---|
| In-house credit team | Promise-led accounts; documents and deductions too, if staffed | Salaries, management time | Low | Few large customers; overdue mostly under 90 days |
| Sales team | Customers still ordering | Selling time lost to non-core work | Low, until money strains the account | The next order is the lever |
| Conventional collection agency | Undisputed, promise-led balances | Commission, sometimes an upfront fee | Medium to high if it relies on pressure | Many small undisputed balances, no documents to fix |
| Law firm | Disputes; customers who can pay but will not | Stage fees, payable whether or not you recover | Ends it | Clean documents and a customer worth suing |
| Receivables partner like GGA | Process blocks, deductions, approvals, dealer and Government files | Fee only on cash received, by invoice age | Low: reconcile first, no pressure | A spread book where nobody owns older or post-sale invoices |
GGA is not the answer for a customer that has stopped trading or a dispute headed to court; that is your advocate's work, and GGA supplies the evidence pack.
Before you hire anyone, check:
- Legal entity. A registered company on the MCA portal, with an office you can visit.
- Who receives the money. You, into your own bank account. Never the firm.
- Fees only on cash received. Ask what you pay if nothing comes in, and whether any file-opening fee applies.
- Anti-bribery. A written policy for Government and PSU customers. Since 26 July 2018 India's Prevention of Corruption Act makes a company liable when a person acting for it bribes a public servant, unless it had adequate procedures.
- Data protection and NDA. Under the DPDP Act 2023, as its duties come into force, a processor of personal data may act for you only under a valid contract, and you stay responsible for its processing.
- Written approval before any settlement, discount or legal step.
- A named owner per account, whose background you have seen.
- Reporting. A sample monthly report and the review cadence.
What to do this week
Five steps tell you what kind of hire you need.
- Sort overdue invoices by age and channel.
- Write why each of your top 20 accounts is unpaid. Blank lines are your first finding.
- Separate disputed from undisputed amounts.
- Decide what stays with sales: usually accounts that still buy.
- Send the eight checks in writing to every shortlisted firm and compare answers.
When to bring someone in
Bring in outside help when the overdue grows faster than revenue for two quarters. Or when invoices over six months old have no named owner, service and AMC bills go unfollowed, or Government files sit in offices nobody visits. GGA's benchmark falls from over 95% collected up to three months to 65–70% at six to twelve.
What GGA would do
We reconcile first, then collect; every escalation is discussed with you. We don't touch the money your sales team sells. We collect the money nobody owns.
- Days 1–5: complimentary Receivables Position Review. You receive: your book by age and channel, each material account in one of the four groups, and collectable cash estimated.
- Week 2: scope and fee in writing. You receive: the accounts GGA works, those sales keeps, and each invoice's fee band.
- Weeks 2–3: owners named on both sides. You receive: a GGA owner per account and the customer's releasing officer.
- Weeks 3–8: documents fixed, deductions reconciled, promises dated. You receive: an open-items register: amount, reason, evidence, next step.
- Month 2 onwards: escalation by the agreed ladder, each step discussed with you. You receive: a written note for each legal or settlement decision.
- By month 6: every overdue rupee in your bank or classified as at risk or not collectable, with the reason evidenced. You receive: a closing position per account.
Fees follow GGA's age-based fee basis; a file-opening fee may apply for legacy or Government cases; GST extra.
What we need from you
An ageing and notes on your top accounts give a first view.
To start
- Customer-wise ageing with invoice numbers, dates and amounts
- Your top 20 overdue accounts, with one line on why each is stuck
- Which accounts are dealers, direct corporate customers and Government or PSU
- Open debit notes and disputes, summarised by customer
To act
- Invoices with POs, contracts or work orders
- Proof of delivery or completion: signed challans, LRs, GRN or SES numbers, completion certificates
- Statements of account and any signed balance confirmations
- Customer contacts in purchase and payables
- The account manager for each customer, for a relationship briefing
Missing some of these? Send what you have — telling you what is missing is part of the first reply.
How you stay in control
You decide every settlement and legal step; GGA owns the work in between.
- Your customer pays you directly. GGA never receives or holds your money.
- Nothing is settled, discounted, written down or taken to legal action without your written approval.
- GGA manages the communication with your customers; escalation steps are discussed with you.
- One named GGA owner per account; monthly report to your CEO and CFO, a fortnightly review call, and an immediate flash report when a risk appears.
- Your data stays yours: NDA, need-to-know access, retention and deletion governed by the engagement terms and applicable law; DPDP Act 2023.
- Fees agreed in writing before work starts; six-month term, reviewed with you monthly.
- Accounts your sales team manages stay with them unless you move them in writing.
- Customers can verify a GGA contact on the If GGA contacted you page.
Send us one unpaid invoice. Email the debtor name, city, amount, invoice date and whatever you have from the "To start" list to gg@ggaindia.co.in. Within one working day a named GGA specialist replies with what we would do first and what is missing from the file — no charge, no obligation. For a whole book, ask for a complimentary Receivables Position Review.
A different situation? Foreign company owed money by an Indian business → India Desk · Indian exporter owed by an overseas buyer → Global Receivables Desk
Frequently asked questions
The right hire is decided by why your invoices are unpaid, not by how old they are.
What is the difference between a collection agency and a receivables partner?
A conventional agency calls for payment. A receivables partner owns the invoice: it fixes documents, reconciles deductions, follows approvals and classifies what cannot be collected, with evidence.
How much does a B2B collection agency charge in India?
Structures vary: commission, upfront fees, retainers. GGA charges only on cash that reaches your bank, by each invoice's age on the start date. A file-opening fee may apply for legacy or Government cases. See what it costs.
Does GGA cover Delhi NCR, Mumbai and other cities?
Yes. Seventeen offices, including Gurugram for Delhi NCR, Mumbai, Pune, Bengaluru, Chennai, Hyderabad and Kolkata, work customers locally on one register and one report.
Who decides on a settlement, discount or legal notice?
You do, in writing. GGA sets out the route, the evidence and the gaps; nothing proceeds without your approval.
Sources
The legal points and GGA benchmarks above come from these sources.
- India amends bribery laws to expand offences and provide for corporate liability (CMS)
- Digital Personal Data Protection Act 2023, section 8
- GGA research: collection outcomes by invoice age
- GGA research: engaging a receivables partner
- GGA case study: medical devices, Government receivables
This page summarises the position as at 9 November 2026. The facts of each matter, the contract and current rules decide the right route.