What Harvest Strategy Group does

Harvest Strategy Group Inc. is a privately held, US-domestic B2B services firm headquartered in Englewood, Colorado, that designs and manages tailored debt collection and litigation programs for major banks, finance companies, debt buyers, and major retailers. The company operates a hub-and-spoke model: Harvest owns the client relationship, scoring, compliance, and process-management layer, while a curated network of 65+ collection agencies and firms executes recovery work across all 50 US states. The company reports $3.5 billion in debt portfolios under management and has operated in the recoveries business for over 20 years.

Its core product platform is organized around three components: (1) ProScore™, a registered, proprietary portfolio scoring and segmentation model that supplements traditional recovery scoring with additional fixed and variable attributes to determine whether each account is best routed to collections, litigation, or skip-tracing/asset-verification work; (2) a Process Management system that tracks all accounts via detailed exception reporting and centrally manages affidavit generation, media management, and call calibration; and (3) a Compliance Management System (CMS) certified annually under SSAE 18 SOC I Type II, with due diligence, annual audits, and monthly oversight programs across the network partner base. The firm is founder-led by President & CEO Brad McCurnin and Executive Vice President David Ravin, with a headcount of 11-50 employees.

Revenue mechanics are not publicly disclosed; the company sells managed-services engagements to enterprise financial clients, most plausibly on contingency and/or fixed-fee structures tied to account recovery outcomes. Pricing is opaque, GTM is direct enterprise field sales with dedicated account management, and there are no public funding rounds, M&A activity, or disclosed financial metrics in the available data.

Name

Harvest Strategy Group

Legal name

Harvest Strategy Group Inc.

Website

https://harveststrategygroup.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Harvest Strategy Group designs and manages tailored debt collection and litigation programs for US banks, finance companies, debt buyers, and major retailers, using its ProScore scoring model and a network of 65+ agencies across all 50 states.

Ownership category

akta.pro rank

Product category

Debt Recovery and Accounts Receivable Management

NAICS

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

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support) (BPAAAEAD)

Keywords

• Debt recovery services
• Debt portfolio management
• Litigation management
• Accounts receivable management
• Compliance management

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Portfolio Management Services: Harvest Strategy Group designs and manages tailored debt collection and litigation programs for clients including banks, creditors, and retailers. The company manages $3.5 billion in debt portfolios, generating revenue through fees for accounts receivable management services, likely on a contingency or fixed-fee basis depending on recovery outcomes.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Harvest Strategy Group designs and manages tailored debt collection and litigation programs to efficiently recover consumer debts for banks, finance companies, debt buyers, and major retailers. The company pairs a proprietary portfolio scoring model (ProScore™) with centralized process management and an SSAE 18 SOC I Type II certified compliance management system, executing recovery through a nationwide network of 65+ affiliated agencies.

Product overview

Harvest Strategy Group offers a unified debt recovery platform built around three core services: ProScore (proprietary portfolio scoring and segmentation model), Process Management (data-driven account tracking and workflow optimization), and Compliance Management (SSAE 18 SOC I Type II certified compliance system). The company designs and manages tailored debt collection and litigation programs to efficiently recover consumer debts for banks, finance companies, and debt buyers.

Differentiator

Problem solved

Functional benefit

Products and services

• ProScore™ Portfolio Scoring and Segmentation
• Process Management
• Compliance Management System (CMS)

Quantifiable outcome

• $3.5 billion in debt portfolios under management
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

One partnership is on record.

• Network Collection Agencies (65+)coreChannel Partner/ Reseller/ DistributorHarvest maintains a network of 65+ collection agencies and firms across all 50 states that execute debt collection and recovery operations under Harvest's management and oversight. All network partners undergo Harvest's extensive due diligence and annual audit programs, as well as monthly oversight programs.

Scale indicators4 records

Expansion highlights3 records

Direct peers

• PRA Group: PRA Group (formerly Portfolio Recovery Associates) purchases and manages defaulted consumer debt portfolios and operates its own collection network. Directly comparable to Harvest Strategy Group in the consumer debt recovery and portfolio management space, though at much larger scale.
• Performant Financial: Performant Financial provides specialized recovery and analytics services across student loans, healthcare, and consumer defaulted debt. Comparable in offering technology-enabled portfolio management and outsourced recovery services for institutional clients, with overlapping customer base in banks and debt buyers.
• Convergent Outsourcing: Convergent Outsourcing is a B2B third-party debt collection agency serving consumer creditors across retail, financial services, and healthcare. Directly comparable to Harvest Strategy Group as a contingency-fee collection services provider to enterprise creditors.
• IC System: IC System is a privately held third-party collection agency serving financial institutions, healthcare providers, and commercial creditors nationwide. Comparable scale and customer base to Harvest Strategy Group, with a similar outsourced recovery services model.
• Transworld Systems: Transworld Systems (part of Tokio Marine HCC) provides commercial and consumer debt recovery, accounts receivable management, and litigation support. Comparable enterprise B2B collection services with similar creditor-client focus to Harvest Strategy Group.
• EOS Solutions: EOS Solutions is one of the world's largest debt collection service providers, operating a managed agency network across multiple geographies. Directly comparable to Harvest Strategy Group's network-orchestration model for creditor clients, though EOS has broader international footprint.
• GC Services: GC Services is a major US third-party collection agency providing consumer and commercial debt recovery for banks, retailers, and government entities. Comparable contingency-fee BPO collections model and customer mix to Harvest Strategy Group.
• Phillips & Cohen Associates: Phillips & Cohen Associates is a US-based debt collection agency specializing in deceased account recovery, consumer credit, and commercial collections. Comparable specialized collection services to financial institution and debt-buyer clients.

Broad incumbents

• Encore Capital Group: Encore Capital Group is the largest US-focused debt buyer, operating through subsidiaries including Midland Credit Management and Midland Funding. Comparable business of acquiring and recovering charged-off consumer receivables, with a broader portfolio-acquisition orientation than Harvest's management-and-oversight model.

Emerging players

• TrueAccord: TrueAccord is a digital-first, machine-learning debt collection platform serving consumer creditors with automated, omni-channel recovery. Comparable end-market (consumer debt recovery for banks and fintechs) but differentiated by a technology-led, in-house model rather than Harvest's network-based oversight approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/strategyharvest

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Harvest Strategy Group