Collections with Care
Traditional collection agencies take 25 to 50% of every dollar they recover. Small-balance accounts get skipped entirely because the commission math doesn’t work on them. Customers get pushed hard, and some of those relationships don’t come back.
A.R.M. Solutions charges a fixed fee per account. You keep 100% of what is collected. Every balance gets worked the same way. The program comes with a 2x Performance Guarantee.
Resolution rate on flat-fee accounts
Average cost, of dollars resolved, vs. 25 to 50% with traditional agencies
Performance Guarantee built into the program
Active clients across recurring billing industries
The Flat Fee program is A.R.M. Solutions’ third-party collections offering. It’s built for recurring billing businesses that give up too much recovery revenue in contingency commissions and watch small-balance accounts pile up unworked.
A.R.M. Solutions contacts your customers as a licensed third-party collection agency. That identification carries meaningful legal weight, including the ability to report to credit bureaus. You pay a fixed fee per account. You keep everything that comes back.
The program fits service businesses with high account volume, small to mid-size balances, and customers worth keeping. Pest control companies, waste haulers, propane distributors, and HVAC contractors use it most.
How It Works
01
Upload your file in your existing format or connect through your software platform. A.R.M. Solutions supports ServiceTitan, PestPac, FieldRoutes, and 20+ other integrations. No reformatting required. Outreach begins within 24 hours of placement.
02
That identification matters. It carries the legal authority of a third-party agency and the ability to report delinquent balances to the credit bureaus. The structured 60-day treatment program includes six contact attempts across text, email, and phone, with written notice.
03
The full recovered amount lands in your account. A.R.M. Solutions invoices the flat fee separately. You never wait for an agency to collect and remit. You keep 100% of what comes back.
04
No separate contract. No re-authorization. No gap in coverage.
Learn more about Contingency Collections →What You Get
One fixed cost per account. No percentage of recovery, no setup fees, no expiration dates.
Every account in your placement goes through the same 60-day outreach program. A $75 invoice and a $7,500 invoice get the same treatment. Traditional agencies skip the small ones. A.R.M. Solutions doesn’t.
The full recovered amount goes to your account. A.R.M. Solutions invoices the flat fee separately. You aren’t sharing recovery revenue with the agency.
Recover 2 times the total program cost within 90 days or A.R.M. Solutions refunds the difference. The guarantee is part of the program agreement.
Each account goes through a 60-day treatment program with six contact attempts across text, email, and phone, plus written notice.
The more accounts you place, the lower your per-account rate. Volume reduces cost and makes large portfolio placements more economical.
Track every account, every contact attempt, every payment, and every status update in real time through the WebView portal. Available 24/7.
Unresolved accounts at 60 days move automatically into Contingency. No new contract needed.
Proven Results
65%
Flat Fee resolution rate
2.8%
Average cost, of dollars resolved
$2B
Placed · $1.3 billion resolved
Client Results
“The flat-fee model changed our math entirely. We keep more of what we collect, and our customers are treated well throughout the process.
Associated Supply
The Full Lifecycle
Accounts that resolve through Flat Fee close out. Accounts that don’t resolve at 60 days roll directly into Contingency Collections. The transition is automatic.
The full recovery lifecycle runs:
One partner manages every stage. One portal tracks everything.
Why A.R.M. Solutions
You pay a flat fee and keep 100% of what is recovered. Traditional agencies take 25 to 50%. A.R.M. Solutions clients consistently average 2.8% of dollars resolved on Flat Fee accounts and 3% on CARE accounts.
Outreach is respectful, professional, and conducted as a licensed collection agency with legal authority. Your customers can resolve their balance and stay in good standing. Many do.
24/7 access to placement data, payment activity, and account status through the WebView portal. Add, pause, or stop accounts anytime. A.R.M. Solutions never holds your accounts.
Exclusive endorsed partner of NPMA, NWRA, and NPGA. The only collections partner fully integrated with ServiceTitan. Over 20 years of experience in recurring billing industries.
Get Started
In a free 30-minute consultation, an A.R.M. Solutions specialist reviews your current AR costs, your aging mix, and your account volumes, then shows you exactly what the Flat Fee program would return. You leave with a clear cost comparison, a recommended program structure, and a practical launch path.
Compare
A.R.M. Solutions staff contact your customers as your company. Early-stage in-name outreach before accounts reach third-party collections.
Licensed third-party recovery at a fixed cost. You keep 100% of what is collected.
You are viewing this program
Performance-based recovery. A.R.M. Solutions is paid only when you’re paid.
FAQ
You pay a fixed amount per account placed. That rate doesn’t change based on balance size or what A.R.M. Solutions recovers. When a customer pays, the full amount goes to your account. A.R.M. Solutions invoices the flat fee separately. Most clients land at 2.8% of total placed value, depending on volume. Compare that to a traditional contingency agency, which takes 25 to 50% of what they recover.
If the Flat Fee program doesn’t recover at least 2 times the total program cost within 90 days, A.R.M. Solutions refunds the difference. The guarantee is in the program agreement. It’s part of the program, not something you have to negotiate for.
They roll automatically into the Contingency program. No separate contract, no re-authorization, no gap in coverage. One partner manages both stages.
Learn how Contingency Collections works →Yes. Every account in your placement goes through the same 60-day treatment program. A $60 invoice and a $6,000 invoice receive the same six-contact outreach cadence. Traditional agencies skip small balances because commission math makes them unprofitable. Our flat fee makes every account worth working.
A.R.M. Solutions connects directly with ServiceTitan, PestPac, FieldRoutes, and more than 400 other platforms. If your system isn’t on the direct integration list, accounts can be uploaded in your existing export format. Outreach begins within 24 hours.
