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Place your accounts
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Collections with Care
Commercial Debt Collection
Built Around Business Relationships
When a commercial account goes past due, you want to collect your money and retain valuable customer relationships.
Your B2B clients are your best referral sources, your repeat business, and in many cases the accounts that anchor your revenue. When collection agencies treat these customers like a number, they put your business at risk with every phone call.
A.R.M. Solutions provides commercial debt collection built for your reality: diplomatic outreach, nation-wide licensed operations, real-time visibility into every account. Our flat-fee model means you keep more of what we collect.
By the Numbers
65%
Resolution rate on flat-fee commercial accounts
2.8%
Average cost, of dollars resolved, vs. 15-30% with traditional contingency agencies
24 hrs
Outreach begins within 24 hours of placement
50 states
Licensed and authorized to collect in all 50 states. SOC 2 certified.
Why It Matters
Why Commercial Collections Requires a Different Approach
Consumer collections and commercial collections share the same goal: recover the balance. They don’t share the same stakes.
For B2B companies, the account you’re chasing is often also a client you want to keep, a source of referrals, and a long-term revenue relationship. Aggressive, volume-driven outreach will damage long-term client relationships, fast.
A.R.M. Solutions has 20+ years of commercial and consumer collections experience. Our commercial approach is designed to recover the balance while keeping the relationship intact, with specialized business-to-business collections experts and firm, professional outreach that’s always brand-safe.
How It Works
How A.R.M. Solutions Handles Commercial Accounts
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We assign collectors with B2B experience
Commercial accounts aren’t worked the same way as residential consumer accounts. Invoice disputes, contract terms, and net-payment dynamics require a different skill set. A.R.M. Solutions assigns collectors who understand commercial account management.
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Outreach is professional and brand-safe
Every contact is conducted as an extension of your accounts receivable process, with the authority of a licensed collection agency and the discretion you’d expect from a partner who understands what’s at stake.
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Accounts that resolve, close
You receive payment directly on flat-fee accounts. Accounts that don’t resolve within the program window move into contingency collections. One partner, no gaps, no new contracts.
What You Get
Built for Commercial Recovery, Zero Friction
Flat-fee model
We charge a fixed cost per account. No percentage of recovery, no commission split, no incentive to push harder than the relationship can bear.
Every account worked equally
Every commercial account gets the same structured outreach, whether the invoice is $500 or $50,000. No cherry-picking based on balance size.
Payments come to you
The full recovered amount goes directly to your business. A.R.M. Solutions invoices the flat fee separately, so you’re not sharing recovery revenue.
Full visibility through WebView
Track every account, every contact, every payment in real time through the WebView portal with 24/7 access.
Licensed and compliant
A.R.M. Solutions is licensed and authorized to collect in all 50 states and operates in full compliance with applicable federal and state commercial debt regulations.
Full escalation path
We provide file hygiene, skip tracing, asset verification, and credit reporting for accounts that move to contingency. Legal escalation is available through our legal network partnership.
Proven Results
What A.R.M. Solutions Has Delivered on Commercial Portfolios
- 65% resolution rate on flat-fee accounts. Average recovery cost: 2.8 cents per dollar recovered.
- Outreach begins within 24 hours of placement for every size account.
- 800+ active clients across commercial and consumer-facing recurring billing industries.
- 99+% client revenue retention rate with an average client tenure of 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 Commercial Clients Say
“A.R.M. has been instrumental in helping us recover past-due balances while maintaining the customer relationships we have worked hard to build.
O’Connell Oil Associates
The Full Lifecycle
A.R.M. Solutions’ Programs for Commercial Portfolios
Most commercial clients use Flat Fee as the primary recovery program, with unresolved accounts rolling automatically into Contingency. 1st Party CARE is available for clients who want earlier-stage intervention in their own company’s name.
- 1st Party CARE: A.R.M. Solutions staff contact your commercial clients as your company. Early-stage, brand-safe outreach before accounts reach third-party status.
- Flat Fee Collections: Licensed third-party recovery at a fixed cost. You keep 100% of what’s collected. 2x Performance Guarantee.
- Contingency Collections: Our “No Recovery, No Fee” guarantee with specialized collections experts, file hygiene, skip tracing, credit reporting, and legal escalation.
Why A.R.M. Solutions
Why Finance and Operations Teams Choose A.R.M. Solutions for Commercial Accounts
Protect the relationship
In B2B markets, your clients are also your referral sources. A.R.M. Solutions’ outreach is diplomatic, professional, and brand-safe throughout. Clients often remain in good standing after resolving a balance.
Compliance you can stand behind
Licensed and authorized to collect in all 50 states with a clean compliance record. SOC 2 certified. No judgments, warnings, or regulatory actions. We provide documentation upon request.
Full visibility and control
Every contact attempt, payment, and status update is visible in real time through the WebView portal. You’re never in the dark about what’s happening with your accounts.
B2B expertise
20+ years of experience in commercial and consumer collections. Specialized collections experts with direct B2B experience. Industry knowledge built from working the industries we serve.
Get Started
Ready to Recover Your Commercial Balances?
In a free 30-minute consultation, an A.R.M. Solutions specialist reviews your commercial portfolio, your aging mix, and your client relationship priorities, then recommends the right program for your accounts. You leave with a clear cost comparison and a practical launch path.
FAQ
Frequently Asked Questions
Yes. Commercial debt is governed by different regulations than consumer debt. B2B collections also carries different relationship stakes: your clients are often referral sources and repeat customers. A.R.M. Solutions handles both commercial and consumer accounts, with separate approaches for each context.
A.R.M. Solutions works commercial accounts across service industries: HVAC, electrical, plumbing, landscaping, commercial cleaning, pest control, waste management, property management, and others. If your clients are businesses that pay on invoices, A.R.M. Solutions can work those accounts.
You pay a fixed amount per account placed. The rate doesn’t change based on invoice size or how much A.R.M. Solutions recovers. When a client pays, the full amount goes to you. A.R.M. Solutions invoices the flat fee separately. Most commercial clients land at 2.8% of placed value as their total cost to collect.
A.R.M. Solutions collectors are trained in commercial account management, including invoice disputes, contract compliance issues, and situations where the debtor disputes the balance. These cases are handled by specialized collections experts with B2B experience, not routed to a general consumer collections team.
Accounts that require legal action escalate through A.R.M. Solutions’ legal network partnership. Pre-legal demand, litigation, and judgment enforcement are available as part of the A.R.M. Solutions ecosystem. You don’t need a separate vendor or a separate contract.
Learn more about Legal Collections →
