Every Day Counts: Why Late Debt Collection Costs More Than You Think

When an invoice goes unpaid, it’s not just a small delay—it’s a ticking clock that could cost your business real money.

Many businesses wait too long to take action on overdue accounts, assuming that with a little patience, the payment will come. But the data tells a very different story. According to NSB’s latest analysis, the collectability of an invoice drops dramatically within just the first 30 days of delinquency—from 95.1% at the due date to 88.7% by day 30. And by the time six months pass, recovery odds fall below 60%.

The Hidden Costs of Waiting

What’s often overlooked is how quickly unpaid invoices shift from manageable delays to high-risk liabilities:

• Accuracy drops as documentation fades or gets misplaced.
• Chasing payments becomes harder and costlier, demanding time your team could spend on high-value work.
• Write-offs increase, with debts more than two years old showing a shocking recovery rate of just 8.9%

Don’t Wait for the Problem to Grow

The longer you wait, the more you lose. NSB’s data-driven recovery approach is designed to kick in early—while the odds are still in your favor.

We act fast. We protect relationships. And we get results before debts go cold.

👉 Need help recovering what’s owed before it slips away? Let’s talk and move faster—together.