SWC Group

What SWC Group does

SWC Group (legally Southwest Credit Services, L.P.) is a privately held Texas limited partnership founded in 1974 that provides accounts receivable management (ARM) services to enterprise and government clients. The company is headquartered in Carrollton, Texas, with additional offices in Plano, Texas and Westminster, Colorado, and operates under DBA names "SWC Group," "Southwest Credit," and "Southwest Credit Systems, L.P." The firm has served the ARM industry for over 50 years and is fully licensed and bonded across all 50 U.S. states and Puerto Rico.

The company's product portfolio comprises four core service lines: First-Party Solutions (operating as an extension of the client's AR function), Pre-Collection Solutions (gentle reminder outreach to retain customers), Third-Party Solutions (traditional collections across primary, secondary, tertiary, and warehoused accounts compliant with FDCPA, FCRA, TCPA, and FTC Red Flag Rules), and Guaranteed Revenue Solutions (a performance-guaranteed, outcome-based offering). The underlying technology is a sophisticated contact center platform with customized campaign capabilities, business intelligence tools, and data mining systems. The platform is PCI DSS Level 1 compliant and SSAE 18 SOC Type II certified, supporting secure payment processing and audited operational controls. Bilingual (English/Spanish) contact center operations are a stated operational capability.

SWC Group generates revenue through managed services contracts, primarily on a contingency/performance basis, with pricing not publicly disclosed (quote-based). The go-to-market is exclusively enterprise B2B direct sales via a Business Development team and dedicated Client Relations team, with no reseller or self-service channels. Customer segments span tolling and highway operations, federal/state/local government agencies, utilities, telecommunications and cable providers, property management firms, and educational institutions. The company holds memberships in ACA International, ACA of Texas, TRMA, IBTTA, Apartment Association of Greater Dallas, and the Better Business Bureau. Leadership includes CEO Jeff Hurt (former PwC manager, ACA of Texas board president), COO Jeff Hazzard, VP of IT Vamsi Bogullu, and VP of Business Development Kevin Bennick. No external funding, M&A activity, or public ownership has been disclosed.

Name

SWC Group

Legal name

Southwest Credit Services, L.P.

Website

https://swcgroup.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Short description

SWC Group (Southwest Credit Services, L.P.) is a 50-year-old, privately held accounts receivable management firm serving Fortune 500 corporations, government agencies, and utilities through first-party, pre-collection, third-party, and guaranteed revenue services across all 50 U.S. states and Puerto Rico.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industries

First-Party (In-House) Collections & Servicing (FSAKAJAA), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN), Credit, Collections & Arrears Management (Dunning, Write-offs) (EUAJAHAE)

Keywords

• Accounts receivable management
• Debt collection services
• Third-party collections
• Consumer credit services
• Delinquent account recovery

Headquarters

HQ city

Carrollton

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Accounts Receivable Management Services: SWC provides comprehensive accounts receivable management services including first-party, pre-collection, third-party collections, and guaranteed revenue solutions. Revenue is generated through performance-based arrangements with clients, managing delinquent accounts across various industries including tolling, government, utility, telecommunications, cable, property management, and education. The company manages billions of dollars in receivables accounts annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

SWC Group provides comprehensive accounts receivable management and consumer services to enterprise clients, offering four core service lines: first-party (extension of client AR functions), pre-collection (gentle payment reminders), third-party (full collections across primary through warehoused accounts), and guaranteed revenue (performance-risk-shared recovery). The company manages billions of dollars in receivables annually for clients in tolling, government, utility, telecommunications, cable, property management, and education verticals.

Product overview

SWC Group is a full-service accounts receivable management and consumer services firm offering a unified platform of collection solutions. The portfolio consists of four core service offerings: First-Party Solutions (acting as an extension of client businesses), Pre-Collection Solutions (gentle reminder services to encourage payment), Third-Party Solutions (traditional collections across primary through warehoused accounts), and Guaranteed Revenue Solutions (risk-sharing model with guaranteed returns). The company has been in operation since 1974, managing billions of dollars in receivables annually across industries including tolling, government, utility, telecommunications, cable, property management, and education.

Differentiator

Problem solved

Functional benefit

Products and services

• First-Party Solutions

Quantifiable outcome

• Dramatic increases in revenue and greater efficiencies for clients
• +3 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered minor.

• ACA InternationalminorOthersIndustry association membership providing access to industry best practices, networking, and professional development resources for the accounts receivable management industry.
• ACA of TexasminorOthersState-level industry association membership for accounts receivable management professionals in Texas.
• ACA InternationalminorOthersPrimary industry association membership providing professional development, compliance resources, and networking for collection industry professionals.
• ACA of TexasminorOthersState-level professional association membership for collectors in Texas. CEO Jeff Hurt serves as President of ACA of Texas Board.
• Telecommunications Risk Management AssociationminorOthersIndustry association membership for telecom risk management professionals, providing networking and industry insights for serving telecommunications clients.
• Apartment Association of Greater DallasminorOthersLocal industry association membership supporting property management client relationships in the Dallas/Fort Worth market.
• International Bridge, Tunnel and Turnpike AssociationminorOthersIndustry association membership for tolling and highway operations, supporting client relationships in the tolling industry vertical.
• Better Business BureauminorOthersAccredited Business designation demonstrating commitment to ethical business practices and consumer trust.

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• ConServe: ConServe is a full-service ARM firm offering first-party, third-party, and legal collections across sectors including government, higher education, and commercial. Directly comparable to SWC's full-service, multi-vertical ARM business model.
• Transworld Systems (Versapay): Transworld Systems, now part of Versapay, provides third-party collections, accounts receivable management, and pre-collect services to SMB and enterprise clients. Comparable to SWC in third-party collections and pre-collection offerings.
• IC System: IC System is a debt collection agency serving healthcare, retail, financial, and government sectors with first- and third-party collections. Comparable to SWC across verticals and licensed multi-state operations.
• Coast Professional: Coast Professional provides third-party collections, student loan recovery, and ARM services to government and commercial clients. Highly comparable to SWC's third-party and education vertical work.
• EOS Solutions (CCA Financial): EOS Solutions (formerly CCA Financial) provides ARM, debt recovery, and customer engagement services for tolling, utilities, and government clients. Directly comparable to SWC's tolling, utility, and government verticals.
• Collecto Inc. Collecto Inc. operates a portfolio of debt recovery brands serving financial, healthcare, telecom, and government clients. Comparable to SWC in multi-vertical ARM and B2B enterprise services.
• Resurgent Capital Services: Resurgent Capital Services is a major ARM platform with first-, third-party, and bankruptcy collections, serving credit card, auto, and consumer finance. Comparable to SWC in scale, performance-based pricing, and multi-vertical depth.

Broad incumbents

• GC Services: GC Services is a large, multi-vertical ARM and contact center provider serving government, financial, and commercial clients. Broader incumbent competitor with similar BPO-style operating model and Fortune 500/government clientele.
• NCO Financial Systems: NCO Financial Systems is a large, diversified ARM provider offering first- and third-party collections, customer care, and back-office services. Broader incumbent with comparable multi-vertical and Fortune 500/government reach.
• Performant Financial Corporation: Performant is a publicly traded recovery and analytics firm in student loan, healthcare, and government recovery. Comparable regulatory complexity and government/education vertical exposure to SWC.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SWC Group