Respect for customers
Collections should solve financial problems without damaging customer relationships.
Collections with Care
We Built A.R.M. Solutions to Give the Power Back to Our Clients
The standard collections agency model is simple: take the account, charge 25 to 50%, contact the customer however you want, and remit whatever comes back. Businesses have no visibility and no say in the process. They give up a third of every recovery and lose far more in damaged customer relationships.
A.R.M. Solutions was built to replace that model with flat-fee pricing, diplomatic outreach and real-time reporting. Our early intervention in the accounts receivable management cycle begins intentionally before accounts become write-offs and customers walk.
More than 20 years later, our compassionate collections model is a beacon of hope in the difficult situations businesses face every day. We are proud to represent 800+ clients that count on us for successful receivables recovery while preserving the customer relationships they rely on.
The Problem We Set Out to Fix
Why the Traditional Model Fails Recurring Billing Businesses
Traditional collection agencies were built for transactional debt like loans, hospital bills, and other one-time transactions in which the relationship ends the moment the balance resolves. Aggressive outreach and high commissions were the industry standard in that context.
Recurring billing businesses work differently. A pest control company services the same customer every quarter. A propane distributor delivers to the same households every winter. A waste hauler runs the same route every week. A delinquent customer isn’t just a balance. It’s a long-term revenue relationship worth thousands of dollars, one neither the business or the customer wants to risk.
Sending those customers to an agency that charges 25 to 50% for aggressive collections is expensive in more ways than one. That type of collections usually ends the relationship permanently. A.R.M. Solutions was built to give recurring billing businesses a different option: recover the balance and keep the customer. No fear, shame or bullying required.
How We Do It
The Flat-Fee Model
A contingency agency earns more when it collects more. That incentive pushes outreach past the point the customer relationship can handle. For recurring billing businesses, the cost shows up later in churn, not in the collections report.
A flat fee changes the dynamic. We charge a fixed amount per account. You keep 100% of what’s collected. We work efficiently because that’s what the model rewards. Resolving the balance and protecting the relationship serve the same outcome, keeping you in business.
Why Specialization Matters
There are approximately 7,000 collection agencies in the U.S. About 5,000 have five or fewer employees. Most take whatever debt they can get. Generic expertise yields generic results.
A.R.M. Solutions specifically focused on recurring billing industries, home services, and commercial accounts. Our staff is recruited from those verticals. We understand the billing cycles, seasonal patterns, and customer dynamics specific to pest control, waste, propane, lawn care, and healthcare.
That focus is why the National Pest Management Association (NPMA), the National Propane Gas Association (NPGA), and the National Waste and Recycling Association (NWRA) each endorsed A.R.M. Solutions exclusively. A.R.M. Solutions is also a member of ACA International, the national trade association for the collections industry.
Who We Are Today
The Numbers Behind Our Story
- 800+ active clients across recurring billing industries
- 20+ years of experience in commercial and consumer accounts receivable management
- Licensed and authorized to collect in all 50 states
- System and Organization Controls 2 (SOC 2) certified. A+ Better Business Bureau (BBB) rating. No judgments, warnings, or regulatory actions on record.
- CARE (Collections with Accounts Receivable Excellence): $6B placed, $4B resolved, 67% resolution rate. Average recovery cost: 3 cents per dollar recovered.
- Flat Fee: $2B placed, $1.3B resolved, 65% resolution rate. Average recovery cost: 2.8 cents per dollar recovered.
- 99+% client revenue retention rate. Average client tenure over 5 years.
- Inc. 500 list of America’s fastest growing companies
- Top 10 Collection Agencies in the U.S. (Forbes Magazine)
- InsideARM Best Places to Work in Collections, four-time winner
- Exclusive endorsed collection partner of NPGA, NWRA, and NPMA
- Only collections partner fully integrated with ServiceTitan
What We Believe
The Values That Shape Our Work
Transparency
You should always know what’s happening with your accounts through real-time reporting and open communication.
Operational Excellence
Efficient systems, automation, and industry expertise drive consistent recovery outcomes.
Partnership
We operate as an extension of your finance team, not a third-party vendor.
Accountability
Every account deserves attention, not just the largest balances.
Get Started
Talk to Our Team
Get a free assessment from an A.R.M. Solutions specialist covering your accounts receivable management program, current collection costs, and what a new approach would return to your business.
