--- title: Flat Fee Collection Agency | Keep 100% of What You Collect | A.R.M. Solutions description: A.R.M. Solutions is a flat fee collection agency for recurring billing businesses. Fixed cost per account. 2x Performance Guarantee. You keep 100% of what is collected. --- [Make a Payment](https://armsolutions.com/make-a-payment?hsLang=en) [Client Login](https://webview.armsolutions.com/) [Become a Client](https://armsolutions.com/contact?hsLang=en) [![logo-white](https://armsolutions.com/hs-fs/hubfs/armsolutions/site/logo-white.png?width=239&height=87&name=logo-white.png)](https://armsolutions.com/?hsLang=en) [Services](https://armsolutions.com/services?hsLang=en) [1st Party CARE](https://armsolutions.com/first?hsLang=en) [Flat Fee Collections](https://armsolutions.com/flatfee?hsLang=en) [Contingency Collections](https://armsolutions.com/contingency?hsLang=en) [Legal](https://armsolutions.com/legal?hsLang=en) [Industries](https://armsolutions.com/industries?hsLang=en) [Commercial](https://armsolutions.com/industries/commercial?hsLang=en) [Home Services](https://armsolutions.com/industries/home-services?hsLang=en) [Medical & Healthcare](https://armsolutions.com/industries/medical-healthcare?hsLang=en) [Resources](https://armsolutions.com/reporting?hsLang=en) [Technology & Reporting](https://armsolutions.com/reporting?hsLang=en) [Blog](https://blog.armsolutions.com/blog?hsLang=en) [About Us](https://armsolutions.com/about-us?hsLang=en) [Our Story](https://armsolutions.com/about-us?hsLang=en) [Associations & Partnerships](https://armsolutions.com/awards?hsLang=en) [FAQs](https://armsolutions.com/faq?hsLang=en) [Contact Us](https://armsolutions.com/contact?hsLang=en) [Contact Us](https://armsolutions.com/contact?hsLang=en) [Become a Partner](https://armsolutions.com/become-a-partner?hsLang=en) [Get a Free Consultation](https://armsolutions.com/contact?hsLang=en) [Home](https://armsolutions.com/?hsLang=en) / [Services](https://armsolutions.com/services?hsLang=en) / Flat Fee Collections Collections with Care # A Flat Fee Collection Agency *Built to Protect Your Cash Flow* 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. [Get a Free Consultation →](https://armsolutions.com/contact?hsLang=en) [Compare Our Programs →](https://armsolutions.com/flatfee#compare-programs) 65% Resolution rate on flat-fee accounts 2.8% Average cost, of dollars resolved, vs. 25 to 50% with traditional agencies 2x Performance Guarantee built into the program 800+ Active clients across recurring billing industries ![Person holding a credit card while making an online payment on a laptop](https://armsolutions.com/hubfs/armsolutions/site/800x7002.920fef39.png) ## A Flat Fee Program Built to Protect Cash Flow 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 ## Four Steps From Placement to Recovery 01 ### Place your accounts 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 ### A.R.M. Solutions contacts your customers in its own name, as a licensed third-party collection agency 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 ### Accounts that resolve pay you directly 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 ### Accounts that don’t resolve within 60 days roll automatically into Contingency Collections No separate contract. No re-authorization. No gap in coverage. [Learn more about Contingency Collections →](https://armsolutions.com/contingency?hsLang=en) What You Get ## Built for Full Recovery, Zero Friction ### Flat fee. No surprises One fixed cost per account. No percentage of recovery, no setup fees, no expiration dates. ### No cherry-picking. Every account 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. ### You keep 100% 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. ### 2x Performance Guarantee 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. ### 60-day structured treatment program Each account goes through a 60-day treatment program with six contact attempts across text, email, and phone, plus written notice. ### Block pricing The more accounts you place, the lower your per-account rate. Volume reduces cost and makes large portfolio placements more economical. ### Full control through WebView Track every account, every contact attempt, every payment, and every status update in real time through the WebView portal. Available 24/7. ### Auto-roll to Contingency Unresolved accounts at 60 days move automatically into Contingency. No new contract needed. Proven Results ## What the Flat Fee Program Has Delivered 65% Flat Fee resolution rate 2.8% Average cost, of dollars resolved $2B Placed · $1.3 billion resolved - Case study: 52% of accounts resolved at 2% cost, $1.1 million recovered. - A leading pest control company: 67% of flat-fee accounts resolved at under 6% cost. More than 4 times the national average recovery rate of 16.2%. - Cost comparison: A.R.M. Solutions flat-fee program total cost to collect runs 2.8% of placed value. Traditional contingency agencies run approximately 32% all-in. - 800+ active clients. 99+% client revenue retention rate. Average client tenure over 5 years. - Licensed and authorized to collect in all 50 states. SOC 2 certified. A+ BBB rating. No judgments, warnings, or regulatory actions. Client Results ## What Flat Fee Clients Say > “ > > 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 ## Flat Fee Is One Stage of the Full A.R.M. Solutions Recovery Path 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: - [1st Party CARE](https://armsolutions.com/first?hsLang=en): 0 to 90 days past due. A.R.M. Solutions staff contact your customers as your company. - Flat Fee Collections: Licensed third-party outreach at a fixed cost. 60-day treatment program. - [Contingency Collections](https://armsolutions.com/contingency?hsLang=en): Performance-based recovery. No Recovery, No Fee. - [Legal Collections](https://armsolutions.com/legal?hsLang=en): Pre-legal demand, litigation, and judgment enforcement for accounts that require legal action. One partner manages every stage. One portal tracks everything. Why A.R.M. Solutions ## Why Business Owners Choose the A.R.M. Solutions Flat Fee Program ### Keep more of what you collect 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. ### Protect customer relationships 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. ### Full visibility and control 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. ### A strategic partner with industry expertise 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 ## Ready to Stop Paying 25%? 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. [Get a Free Consultation →](https://armsolutions.com/contact?hsLang=en) [(888) 772-6468](tel:+18887726468) [contact@armsolutions.com](mailto:contact@armsolutions.com) Compare ## Compare Our Programs ### 1st Party CARE A.R.M. Solutions staff contact your customers as your company. Early-stage in-name outreach before accounts reach third-party collections. - 0 to 90 days past due - Fixed fee per treatment series - Brand-safe in-name outreach - Auto-pay conversion included [Learn more about 1st Party CARE →](https://armsolutions.com/first?hsLang=en) Current ### Flat Fee Collections Licensed third-party recovery at a fixed cost. You keep 100% of what is collected. - All accounts treated equally - 2x Performance Guarantee - 60-day treatment program - Auto-roll to Contingency - 2.8% of dollars resolved vs. 25 to 50% traditional You are viewing this program ### Contingency Collections Performance-based recovery. A.R.M. Solutions is paid only when you’re paid. - No Recovery, No Fee - File hygiene and skip tracing - Credit reporting capability - Legal escalation via legal network partnership [Learn more about Contingency Collections →](https://armsolutions.com/contingency?hsLang=en) FAQ ## Frequently Asked Questions How does flat-fee pricing work? 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. What is the 2x Performance Guarantee? 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. What happens to accounts that don’t resolve in 60 days? 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 →](https://armsolutions.com/contingency?hsLang=en) Do you work small-balance accounts the same as large ones? 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. Which software platforms does A.R.M. Solutions integrate with? 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. ![Exclusive Endorsed Collection Partner of NPMA (National Pest Management Association)](https://armsolutions.com/hubfs/armsolutions/site/npma.b8a4e417.webp) ![Exclusive Endorsed Collection Partner of NPGA (National Propane Gas Association)](https://armsolutions.com/hubfs/armsolutions/site/npga.1d6fd6f5.webp) ![Exclusive Endorsed Collection Partner of NWRA (National Waste and Recycling Association)](https://armsolutions.com/hubfs/armsolutions/site/nwra.svg) ![Integrated with ServiceTitan](https://armsolutions.com/hubfs/armsolutions/site/servicetitan.png) ![BBB A+ Rated — Better Business Bureau](https://armsolutions.com/hubfs/armsolutions/site/150x806.92965dca.webp) ![as-seen-in-forbes](https://armsolutions.com/hubfs/as-seen-in-forbes.jpg) **Inc. 500** **Licensed and authorized to collect in all 50 states.** **SOC 2** Certified A·R·M **Solutions** © 2026 A.R.M. Solutions. Licensed and authorized to collect in all 50 states. SOC 2 Certified. 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