Allied International Credit

What Allied International Credit does

Allied International Credit (AIC) is a US-headquartered accounts receivable management and debt collection firm operating two principal service lines from its Hampton, Virginia headquarters. On the B2B side, AIC runs a self-serve collections platform (b2b.aiccorp.com) that lets businesses upload unpaid invoices and receive a contingency-based quote, with an instant fee calculator and onboarding reported to take approximately two minutes; collection activity is initiated within roughly 48 hours and AIC retains a percentage of recovered amounts (an example on the site indicates a 12% contingency fee). On the consumer side, AIC operates a 24/7 self-service web portal (aiccorp.com) through which individual debtors view balances, make one-time or installment payments, request payment plans, submit compromise/settlement offers, complete affordability assessments, and update contact or circumstance information, with phone, email, and mail support as secondary channels.

The company's underlying technology stack is a digital-first, web-based service architecture rather than a mobile-app or API platform — no public API, SDK, or native mobile application is documented. AIC supports multi-currency "borderless" collections in GBP, USD, and CAD across the UK, USA, and Canada, with country-dedicated sites (aiccorp.co.uk, aiccorp.ca) and licensed offices in Barrie (Canada), Manila (Philippines), Heredia (Costa Rica), and Trincity (Trinidad & Tobago) supporting cross-border operations. The company is ISO/IEC 27001:2022 certified (excluding Trinidad & Tobago), CCPA-compliant in its privacy disclosures, and conformant with WCAG 2.1 Level AA. It holds NMLS Consumer Access registration (ID# 934303) and collection-agency licenses in multiple US states and international jurisdictions. Internally, AIC discloses use of AI, LLM, and ML tooling to process personally identifiable information for operational efficiency, with an explicit statement that such tools are not used to make automated decisions about individuals.

AIC's business model is fundamentally contingency-based: clients pay only on amounts actually collected, with the standard fee around 12% of recoveries and no upfront or fixed fees. The go-to-market is hybrid — self-serve PLG via the B2B portal for SMBs, and inside-sales phone support (833-484-4950 for B2B, 877-335-0500 for consumer) — making it accessible to businesses with relatively small invoice values. Two customer segments are served: B2B clients (predominantly SMBs seeking to recover unpaid invoices) and consumer debtors (individuals managing outstanding balances). The company is privately held with no disclosed parent, investor, or funding activity.

Name

Allied International Credit

Legal name

Allied International Credit Corp., (US)

Website

https://aiccorp.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Allied International Credit is a US-headquartered accounts receivable management and debt collection firm serving SMBs and consumer debtors in the US, Canada, and the UK, operating on a contingency-fee model with 24/7 digital self-service platforms and licensed offices in five countries.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

International & Cross-Border Collections (FSAKAJAO)

Keywords

• Debt collection services
• Accounts receivable management
• Invoice recovery
• Consumer debt repayment
• B2B collections

Headquarters

HQ city

Richmond

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Contingency-Based Collection Fees: AIC charges clients a percentage of the amount collected on their behalf. If they do not collect, the client does not pay. Example shows 12% of collections.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Allied International Credit (AIC) is a debt collection and accounts receivable management firm operating two distinct service lines. For B2B clients, AIC recovers unpaid invoices on a contingency-fee basis with no upfront cost, using a self-serve platform supporting GBP, USD, and CAD collections across the UK, USA, and Canada. For consumer debtors, AIC provides a 24/7 online portal to view balances, make payments, set up payment plans, submit compromise offers, and complete affordability assessments.

Product overview

Allied International Credit (AIC) operates as an accounts receivable management company offering two primary service lines: (1) a consumer-facing Self-Service Portal enabling individuals with outstanding debts to make payments, check balances, set up payment plans, submit compromise offers, and update personal circumstances; and (2) a B2B Collections & Recoveries Platform serving business clients seeking to collect unpaid invoices, featuring a fee calculator, instant quotes, and multi-currency borderless collections in GBP, USD, and CAD across the UK, USA, and Canada. Both service lines are supported by a Help Center with FAQs and customer contact options. The company operates primarily as a web-based service with phone and mail support channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Self-Service Portal Primary customer-facing web portal at aiccorp.com enabling consumers with outstanding debts to manage their accounts online, including making payments, checking balances, setting up payment plans, completing affordability assessments, submitting compromise offers, and updating contact details. Targeted at individual consumer debtors.
• B2B Collections & Recoveries Platform Business-to-business accounts receivable management service enabling businesses to upload unpaid invoices for collection, receive instant quotes via a fee calculator, and collect payments in GBP, USD, and CAD currencies across the UK, USA, and Canada. Targeted at small and mid-market businesses.
• Payment Processing Services Secure online payment facility accepting payments via the website, phone, and regular mail (checks/money orders), with options for one-time payments and installment payment plans.

Quantifiable outcome

• 12% contingency fee on collections

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature2 records

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• AFNI Inc. Privately-held collections and contact-center firm handling consumer receivables for financial, healthcare, and telecom clients in the US and internationally. Comparable to AIC in scale, regulatory footprint, and contact-center-driven collections.
• EOS Group: One of the largest international debt collection service providers, operating across 200+ countries with banking-grade compliance. Directly comparable to AIC due to its multinational consumer and B2B collection footprint and digital client portals.
• IC System: US-headquartered third-party debt collection agency serving healthcare, retail, financial, and SMB creditors. Directly comparable to AIC in B2B and consumer collections, mid-market private operator with digital channels.
• Radius Global Solutions: National third-party debt collection agency focused on consumer and SMB recovery with omnichannel digital outreach. Comparable to AIC in size, geographic scope, and digitally-enabled collections model.
• MRS BPO LLC: US third-party debt collection agency serving creditors across industries, with digital contact strategies and consumer self-service. Directly comparable to AIC on size, business model, and regulatory licensing.
• Transworld Systems (TSI): Mid-market US accounts-receivable management and debt collection firm offering contingency and first-party services to SMB and enterprise creditors. Closely comparable to AIC's B2B and consumer-facing operating model.

Broad incumbents

• PRA Group (PRA Group, Inc.): Nasdaq-listed global leader in non-performing loan acquisitions and debt collection; substantially larger and capital-rich. Overlaps with AIC in third-party commercial and SMB collections but operates at dramatically larger scale across NA and Europe.
• Encore Capital Group: Publicly-traded global debt buyer (CreditoReal, Cabot Credit Management). While primarily a portfolio purchaser, it also runs large third-party collection operations including the UK Cabot business, overlapping with AIC's cross-border consumer collections footprint.
• Portfolio Recovery Associates (PRA - parent): Publicly-traded US debt buyer with owned first- and third-party collection operations. Comparable at the category level but much larger scale and balance-sheet driven.

Regional players

• Collection House (an Arqam Capital company): APAC-focused consumer debt collection agency with operations concentrated in Australia and New Zealand; comparable to AIC in operating model but not in geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

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 Allied International Credit