Sunrise Credit Services

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.

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

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

• Accounts receivable management
• Debt collection services
• Third-party collections
• Customer care retention
• Credit and collections training

Headquarters

HQ city

Farmingdale

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. Professional Training Services: Training programs offered to clients' staff on best practices in credit and collections.
3. 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

Core 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

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• NetTel USA Inc.coreStrategic or Co-development PartnerSister 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 ManagementcoreStrategic or Co-development PartnerSister company within Sunrise Family of Companies providing funding solutions and capital for clients' financial needs, complementing Sunrise Credit Services' collection offerings.
• Western UnionminorChannel Partner/ Reseller/ DistributorPayment processor enabling consumers to make debt payments through Western Union's bill-pay service by selecting 'Sunrise Credit' as the payee.
• MoneyGramminorChannel Partner/ Reseller/ DistributorPayment processor enabling consumers to make debt payments through MoneyGram's bill-pay service by selecting 'Sunrise Credit' as the payee.

Scale indicators6 records

Direct 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

• Xx.com/sunrisefamilyco
• Facebookfacebook.com/Sunrise-Credit-Services-Inc-155681521117860
• LinkedInlinkedin.com/company/sunrise-credit-services

Compliance17 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 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 Sunrise Credit Services