ARM Solutions
ARM Solutions is a privately held, full-service US debt collection agency that recovers receivables for 5,000+ clients in verticals such as pest control, propane, waste management, healthcare, and security/alarm, using a flat-fee pricing model, a proprietary 24/7 client portal, and deep integrations with industry software platforms.
- Company typePrivate
- Founded2005
- HeadquartersCamarillo, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What ARM Solutions does
ARM Solutions (legal entity A.R.M. Solutions, LLC.) is a privately held, full-service debt collection agency headquartered in Thousand Oaks, California, serving over 5,000 active clients across the United States. The company was founded by a management team with 70+ years of combined collections-industry experience and specializes in diplomatic debt recovery for vertical-specific SMB markets including pest control, propane and fuel distribution, waste management, medical/healthcare, security/alarm, lawn and landscaping, B2B commercial, insurance, bottled water delivery, and banking. ARM's central differentiator is a customer-retention-focused approach that recovers outstanding receivables while preserving ongoing business relationships — a meaningful departure from the aggressive posture of traditional contingency agencies.
The company's service portfolio is organized around three collection programs: First Party Collections/Outsourcing (where ARM contacts customers as representatives of the client), Flat Fee Collections (a low-cost early-stage program at less than 6% with no commissions), and Contingency Collections (third-party recovery for accounts requiring escalated action). These services are delivered through the proprietary A.R.M. WebView client portal, which provides 24/7 account management, real-time reporting, and SSL/TLS-secured data exchange, and through the Payment WebView portal enabling debtors to make payments online. ARM has built native integrations with more than 15 vertical-specific software platforms — FieldRoutes, Workwave, Routeware/Core, Cargas Energy, SAP, Alarmbills.com, GMS Central, Pocomos, Vertrax, Blue Cow Software, Suburban Software, RCCBI, and others — that allow clients to submit and manage accounts directly from within their existing operational software. The company also holds exclusive collection endorsements from the National Propane Gas Association (NPGA) and the National Pest Management Association (NPMA), providing structured distribution into those industry member networks.
ARM's revenue model is transaction- and service-based: flat-fee transaction revenue on early-stage accounts, contingency transaction revenue on harder collections, and professional-services revenue on multi-year first-party outsourcing engagements. Pricing is positioned at roughly one-fifth the cost of traditional collection agencies (which typically charge 25–35% contingency) while delivering self-reported recovery rates of 42%+ — approximately three times the national average. The company reports collecting $500 million on behalf of clients in the most recent year and an average cost-to-collect of 7%. Distribution occurs through direct sales (phone, email, website), software-integration partner referrals, and association endorsements, with operations supported by 115 team members. ARM is licensed as a California Collection Agency (License 10207-99) and Nevada Collection Agency (CAD11481), holds NMLS IDs, and has been recognized on the Inc. 500 list of fastest-growing private companies and by Forbes as one of the Top 10 Collection Agencies in the US.
ARM Solutions firmographics
Firmographics- Name
- ARM Solutions
- Legal name
- A.R.M. Solutions, LLC.
- Website
- https://armsolutions.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ARM Solutions is a privately held, full-service US debt collection agency that recovers receivables for 5,000+ clients in verticals such as pest control, propane, waste management, healthcare, and security/alarm, using a flat-fee pricing model, a proprietary 24/7 client portal, and deep integrations with industry software platforms.
- Ownership category
- akta.pro rank
Where ARM Solutions is headquartered
LocationHeadquarters
- HQ city
- Camarillo
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
ARM Solutions business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Flat Fee Collections: Low-cost flat fee collection program where clients pay a flat rate (less than 6%) with no commissions. All payments go directly to the client, increasing their immediate cash flow. This is the company's primary differentiator, offering results 3x the national average at 1/5 the cost of traditional agencies.
- First Party Collections Outsourcing: First party collection service where ARM agents contact customers as representatives of the client's company. Customized campaigns may include live phone calls, letters, email, and voice broadcasts. Contact is made in client's name with approved scripts.
- Contingency Collections: For accounts not responding to flat fee collection efforts, accounts are assigned to individual collectors who use expertise to resolve outstanding balances. 3rd party representation, credit reporting, asset verification, and attorney forwarding available.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Flat Fee Collection Program - Less than 6% flat rate with no commissions |
| Outcome Based/ Performance | Pay-as-you-go | Contingency Collections - Fees only charged upon successful recovery |
| Professional services/ project-based | Multi-year contract | First Party Collections Outsourcing - Customized service based on campaign scope |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
ARM Solutions product offering
Product offeringCore offering
ARM Solutions is a debt collection agency providing first-party collections outsourcing, flat fee collections, and contingency collections services to businesses across verticals such as pest control, propane/fuel, waste management, security/alarm, lawn care, medical/healthcare, and B2B commercial. The company supports its services with the proprietary A.R.M. WebView client portal and Payment WebView payment portal, plus deep integrations with 15+ industry software platforms.
Product overview
ARM Solutions is a debt recovery and collections agency offering three interconnected collection programs: First Party Collections/Outsourcing (contacting customers on behalf of clients as internal representatives), Flat Fee Collections (a cost-effective early-stage program yielding 3x national average recovery at 1/5 traditional costs), and Contingency Collections (for accounts requiring additional third-party attention). The company's technology stack includes A.R.M. WebView™ (client portal for 24/7 account management) and Payment WebView (debtor payment portal), supported by an integrated reporting system delivering automated performance reports via email. ARM Solutions integrates with dozens of industry-specific software platforms across pest control, waste management, propane/fuel, security/alarm, lawn care, and B2B sectors to enable seamless account submission and data synchronization.
Differentiator
Problem solved
Functional benefit
Products and services
- First Party Collections/Outsourcing Outsourced first-party collection service where ARM agents contact customers as representatives of the client company using customized campaigns consisting of live phone calls, letters, email, and voice broadcasts, designed to decrease outstanding A/R while preserving customer relationships.
Quantifiable outcome
- Flat Fee Collection Program recovers 3x the national average at 1/5 the cost
- +6 more outcomes
Companies that use ARM Solutions
Customer profileNamed customers3 records
Segments10 records
Ideal customer profiles7 records
ARM Solutions technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
Feature5 records
ARM Solutions partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered flagship, core and minor.
- National Propane Gas Association (NPGA)flagshipARM Solutions is the Exclusive Collection Partner endorsed by the NPGA. This is a flagship partnership where NPGA endorses ARM's services to its member companies. NPGA members receive discounts on collections services through this endorsement.
- National Pest Management Association (NPMA)flagshipARM Solutions is the Exclusive Collection Partner of the NPMA. This endorsement provides access to NPMA's member network of pest management companies.
- FieldRoutes (ServicePro, PestRoutes)coreFull integration with FieldRoutes software for pest control industry. Enables seamless account submission and management directly from within the FieldRoutes/ServicePro/PestRoutes platform.
- WorkwavecoreIntegration with Workwave software for lawn care, landscaping, and pest control industries. Allows users seamless access to ARM Solutions collection services directly from within the software.
- Routeware/CorecoreFull integration within Routeware/Core software for private waste haulers. Enables seamless interface with ARM Solutions collection services directly from within the software.
- Cargas EnergycoreIntegration with Cargas Energy software for propane and fuel industry. Seamless interface with ARM Solutions collection services directly from within the software platform.
- CTP SolutionsminorChannel partner offering ARM Solutions as a complementary collection solution to their existing B2B services. Data transmission facilitates submission and management of accounts through their existing interface.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
ARM Solutions competitors and assessment
Company assessmentMarket position
Weaknesses4 records
Competitive moat6 records
Customer concentration
ARM Solutions social profiles
Digital presenceARM Solutions compliance and trust
Trust signalCompliance2 records
ARM Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
ARM Solutions leadership team
Management profileNumber of profiles
ARM Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ARM Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ARM Solutions
What does ARM Solutions do?
ARM Solutions is a debt collection agency providing first-party collections outsourcing, flat fee collections, and contingency collections services to businesses across verticals such as pest control, propane/fuel, waste management, security/alarm, lawn care, medical/healthcare, and B2B commercial. The company supports its services with the proprietary A.R.M. WebView client portal and Payment WebView payment portal, plus deep integrations with 15+ industry software platforms.
Is ARM Solutions a public or private company?
ARM Solutions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ARM Solutions founded?
ARM Solutions was founded in 2005. It employs 101 to 250 people.
Where is ARM Solutions based?
ARM Solutions is headquartered in Camarillo, United States, in the North America region.
How does ARM Solutions make money?
Three revenue lines are on record. Flat Fee Collections are the primary driver. The others are first Party Collections Outsourcing and contingency Collections.
Does ARM Solutions have an API?
Yes. ARM Solutions offers a simple and flexible API for software partners that enables the submission and subsequent management of accounts, built into existing interface and workflow. This allows partners to offer their customers a fully automated collection strategy. The data transmission facilitates the submission and subsequent management of accounts to be built into existing interfaces and workflows.