Sunrise Credit Services
Sunrise Credit Services is a family-owned accounts receivable management firm founded in 1974, providing first- and third-party debt collection, customer retention, and litigation support to creditors and debt buyers nationwide from its centralized Melville, NY headquarters.
- Company typePrivate
- Founded1974
- HeadquartersFarmingdale, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Sunrise Credit Services does
Sunrise Credit Services, Inc. is a privately held, family-owned accounts receivable management (ARM) firm founded in 1974 by the Doane family and headquartered in a 45,000-square-foot centralized facility in Melville, NY. The company provides first-party and third-party debt collection, customer care and retention programs, early-out and debt-cure programs, credit investigations, and litigation collection services through a national attorney network. Its client base consists of credit grantors and debt buyers, with consumer-side engagement handled through an Online Payment Portal (bilingual English/Spanish), an IVR phone payment system (1-866-298-9125), SMS-based Sunrise Alerts (short codes 42712 and 89594), Western Union/MoneyGram bill-pay integrations, and bank wire processing. Sunrise is certified Women Owned Business Enterprise (WBENC), PCI-DSS Level 1, HIPAA HITECH, AICPA SOC 2 Type II, and CCPA/GDPR compliant.
The company generates revenue primarily through transaction-fee arrangements with creditors and debt buyers for placement-based collections, supplemented by professional services revenue from staff training delivered through the Sunrise Family of Companies University (SFCU) and fees from its National Attorney Network for litigation collections. Go-to-market operates on two tracks: enterprise field sales targeting creditors and debt buyers (with a dedicated 24/7 client services function providing direct cell-phone access to project managers), and direct-to-consumer self-service payment channels. Technology is built around an integrated call center stack with proprietary speech analytics for compliance/quality monitoring, a QA scoring program tied to agent compensation, and both consumer-facing (payment portal) and client-facing (partner portal at portal.sunrisecreditservices.com) web platforms. The firm employs 101–250 staff across its Melville headquarters, a Woodbury, NY disaster-recovery site, and resident offices in Denver, CO and Weymouth, MA used for state-level regulatory compliance.
Ownership and governance remain closely held: Diane Doane-Plowman acquired majority stock in 2013 and serves as CEO; Richard G. Doane serves as President; and the executive team averages 30+ years of ARM industry tenure, with all supervisors, managers, and executives promoted internally from the call center. Sister companies NetTel USA Inc. (over-the-limit courtesy calls) and Sunrise Capital Management (funding solutions) extend the service portfolio under the "Sunrise Family of Companies" umbrella. Notable credentials include BBB accreditation, Helen Keller AccessAbility Award, and 2025 Best Places to Work in Collections, alongside memberships in ACA International, RMAi, EARMA, NYSOBBA, MAACS, and CAI Online.
Sunrise Credit Services firmographics
Firmographics- Name
- Sunrise Credit Services
- Legal name
- Sunrise Credit Services, Inc.
- Website
- https://sunrisecreditservices.com
- Company type
- Private
- Founded year
- 1974
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Sunrise Credit Services is a family-owned accounts receivable management firm founded in 1974, providing first- and third-party debt collection, customer retention, and litigation support to creditors and debt buyers nationwide from its centralized Melville, NY headquarters.
- Ownership category
- akta.pro rank
Sunrise Credit Services industry classification
Industry- Product category
- Accounts Receivable Management Services
- NAICS
- Collection Agencies (561440), Collection Agencies (56144)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- First-Party (In-House) Collections & Servicing (FSAKAJAA)
- akta.pro secondary industry
- Early-Stage / Soft Collections (Pre-Delinquency, Reminders) (BPAAAEAC)
Keywords
Where Sunrise Credit Services is headquartered
LocationHeadquarters
- HQ city
- Farmingdale
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Sunrise Credit Services business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Accounts Receivable Management Services: Fees charged to creditors and debt buyers for managing and collecting on delinquent accounts. Services include first-party and third-party collections, customer care, and retention programs.
- Professional Training Services: Training programs offered to clients' staff on best practices in credit and collections.
- Litigation Collections: National attorney network for litigation collections, generating fees for legal collection proceedings.
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Sunrise Credit Services product offering
Product offeringCore offering
Sunrise Credit Services provides outsourced accounts receivable management services to credit grantors and debt buyers across the U.S. Its core work covers first-party customer care, third-party collections, early-out and debt-cure programs, credit investigations, billing services, over-the-limit courtesy calls, and litigation collections executed through a national attorney network. The company also provides professional training services in credit and collections best practices through the Sunrise Family of Companies University (SFCU).
Product overview
Sunrise Credit Services offers a comprehensive accounts receivable management platform centered on its core collection and recovery services. The company provides third-party and first-party AR management, customer care, retention services, and litigation support through its National Attorney Network. Clients access services via the Online Payment Portal (consumer-facing) and Partner Portal (client-facing), with additional payment options including IVR phone payments, Western Union, MoneyGram, and SMS-based Sunrise Alerts. The company also operates Sunrise Family of Companies University (SFCU) for staff training and professional development programs. Sister companies NetTel USA and Sunrise Capital Management extend the service offerings to include courtesy call services and capital management respectively.
Differentiator
Problem solved
Functional benefit
Products and services
- Accounts Receivable Management Services Full-service outsourced accounts receivable management for credit grantors and debt buyers, covering first-party customer care, third-party collections, customer retention, early-out, and debt-cure programs.
- Litigation Collections via National Attorney Network Network of attorneys across the U.S. supporting litigation-based debt recovery for clients with charged-off accounts that require legal action.
- Professional Training Services in Credit and Collections Training programs delivered to client staff on best practices in credit and collections, provided through the Sunrise Family of Companies University (SFCU) including CDCP, MDCP, and DDC certification tracks.
- Online Payment Portal Secure web portal that allows consumer-debtors to look up accounts, make payments, and manage payment plans, with 128-bit encryption and a 20-minute session timeout. Supports English and Spanish.
- Partner Portal Client-facing web portal at portal.sunrisecreditservices.com that gives business partners account management, reporting, and operational access to Sunrise services.
- IVR Phone Payment System Automated Interactive Voice Response phone payment system available at 1-866-298-9125 for consumers to make account payments without speaking to an agent.
- Sunrise Alerts (SMS/MMS Notifications) Opt-in SMS/MMS notification service delivering payment reminders and account status updates to consumer-debtors; users enroll by texting START to 42712 or 89594.
- Over-the-Limit Courtesy Calls and Customer Retention (via NetTel USA) Friendly reminder and customer-retention calling services for over-the-limit accounts, delivered through sister company NetTel USA Inc. as part of the Sunrise Family of Companies suite.
Quantifiable outcome
- Top ranked collection agency in the U.S.
- +1 more outcomes
Companies that use Sunrise Credit Services
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Sunrise Credit Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Sunrise Credit Services partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- NetTel USA Inc.coreSister company within Sunrise Family of Companies providing over-the-limit courtesy calls and friendly reminder services as part of the comprehensive suite of customer relationship management services.
- Sunrise Capital ManagementcoreSister company within Sunrise Family of Companies providing funding solutions and capital for clients' financial needs, complementing Sunrise Credit Services' collection offerings.
- Western UnionminorPayment processor enabling consumers to make debt payments through Western Union's bill-pay service by selecting 'Sunrise Credit' as the payee.
- MoneyGramminorPayment processor enabling consumers to make debt payments through MoneyGram's bill-pay service by selecting 'Sunrise Credit' as the payee.
Scale indicators6 records
Sunrise Credit Services competitors and assessment
Company assessmentDirect peers
- Transworld Systems: Transworld Systems is a U.S.-based ARM firm offering first- and third-party collections, debt recovery, and credit services. It is one of the largest private competitors in the same customer base as Sunrise (credit grantors and debt buyers).
- IC System: IC System is a privately held, family-owned collection agency headquartered in Minnesota offering ARM services to healthcare, financial, and commercial creditors. Highly comparable to Sunrise in ownership structure, private mid-market scale, and broad ARM service mix.
- Williams & Fudge: Williams & Fudge is a private, family-owned collection agency focused on higher education and student loan recovery. Comparable to Sunrise as a private ARM peer serving institutional creditors, though narrower in vertical concentration.
- The CMI Group: The CMI Group is a privately held ARM provider offering first-party, third-party, and customer care services. Comparable in mid-market scale, omnichannel consumer engagement, and creditor-focused service delivery to Sunrise.
- Afni, Inc. Afni is a private BPO and collections firm offering ARM, customer care, and contact center services. Comparable to Sunrise in call-center-driven collections delivery and creditor-facing business model, though it operates multi-site.
- Caine & Weiner: Caine & Weiner is a privately held ARM company providing commercial and consumer collections, skip tracing, and litigation support. Comparable to Sunrise in offering a full suite of recovery services to credit grantors across the U.S.
Broad incumbents
- Encore Capital Group: Encore Capital Group is a publicly traded global debt buyer and collector with a U.S. subsidiary (Midland Credit Management). It is a much larger incumbent in the same space, purchasing charged-off portfolios that flow through the ARM channel Sunrise services.
- PRA Group: PRA Group is a publicly traded global acquirer and servicer of nonperforming loans. Comparable to Sunrise in providing third-party recovery services but operates at far greater scale across multiple geographies and asset classes.
Regional players
- EOS Solutions: EOS Solutions is one of the largest debt collection companies in Europe, with U.S. operations. Comparable in B2B receivables management services but primarily serves European geographies and does not directly compete in Sunrise's core U.S. market.
Others
- Receivables Management Association International (RMAi): RMAi is the leading U.S. industry association for the receivables management industry, of which Sunrise is a member. It is an ecosystem enabler rather than a competitor, but it sets certification standards (RMAi Certified) that directly shape Sunrise's competitive positioning.
Market position
Strengths5 records
Weaknesses5 records
Key risks7 records
Key highlights7 records
Customer concentration
Sunrise Credit Services social profiles
Digital presenceSunrise Credit Services compliance and trust
Trust signalCompliance17 records
Sunrise Credit Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sunrise Credit Services leadership team
Management profileNumber of profiles
Profiles8 records
Sunrise Credit Services subsidiaries and ownership
Company hierarchySubsidiaries2 records
Sunrise Credit Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sunrise Credit Services 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 Sunrise Credit Services
What does Sunrise Credit Services do?
Sunrise Credit Services provides outsourced accounts receivable management services to credit grantors and debt buyers across the U.S. Its core work covers first-party customer care, third-party collections, early-out and debt-cure programs, credit investigations, billing services, over-the-limit courtesy calls, and litigation collections executed through a national attorney network. The company also provides professional training services in credit and collections best practices through the Sunrise Family of Companies University (SFCU).
Is Sunrise Credit Services a public or private company?
Sunrise Credit Services is a private company. It is classified as family owned and is currently operating.
When was Sunrise Credit Services founded?
Sunrise Credit Services was founded in 1974. It employs 101 to 250 people.
Where is Sunrise Credit Services based?
Sunrise Credit Services is headquartered in Farmingdale, United States, in the North America region.
How does Sunrise Credit Services make money?
Three revenue lines are on record. Accounts Receivable Management Services are the primary driver. The others are professional Training Services and litigation Collections.
Who are Sunrise Credit Services's main competitors?
Direct peers on record are Transworld Systems, IC System, Williams & Fudge, The CMI Group, Afni, Inc. and Caine & Weiner. Broad incumbents are Encore Capital Group and PRA Group. EOS Solutions is listed as a regional player. Receivables Management Association International (RMAi) is listed as an others.
Does Sunrise Credit Services have an API?
No public API is recorded for Sunrise Credit Services.
What industry is Sunrise Credit Services in?
Sunrise Credit Services's product category is Accounts Receivable Management Services. Its primary akta.pro industry code is FSAKAJAA, First-Party (In-House) Collections & Servicing, with a secondary code of BPAAAEAC, Early-Stage / Soft Collections (Pre-Delinquency, Reminders). Its NAICS code is 561440 and its SIC code is 7320.