Credit Mediators

What Credit Mediators does

Credit Mediators Inc. (CMI) is a privately held, family-owned commercial B2B debt recovery and collection agency headquartered in Upper Darby / Philadelphia, Pennsylvania, founded in 1976 by the Seiverd family. The company provides four core collection services — Direct Collect (proprietary third-party collection with Experian credit bureau reporting and nationwide lawyer network), Letter Series (fixed-price letter-based collections), Outsourcing (first-party accounts receivable management), and Bankruptcy & Turnaround (asset recovery for trustees and workout firms) — and complements these with a Credit Report Plus division that resells Experian-powered business and international credit reports at unit prices of $28–$225.

CMI's technology stack centers on a proprietary collection management system exposed through the CollectNet web portal, which provides real-time account tracking for clients and a separate web-based payment resolution system for debtors. The platform is licensed at $159 per user per year after a free first year. The company is registered, licensed, and bonded in all 50 U.S. states and holds certifications from the Commercial Collection Agencies of America (CCAofA) and the International Association of Commercial Collectors (IACC); Nancy Seiverd sits on the CCAofA Board of Directors. CMI employs 101–250 people and serves a horizontal B2B customer base spanning construction equipment, finance & leasing, freight & transportation, printing & advertising, legal, food & beverage, and commercial insurance.

The revenue model is primarily transaction-fee / contingency-commission based on amounts collected, supplemented by unit-priced Experian credit report resale, subscription revenue from the CollectNet client portal, and bespoke contingency engagements for bankruptcy and turnaround work. CMI operates a sales-led GTM with outside account executives, augmented by an online self-serve placement form and a direct e-commerce storefront for credit reports. The company has not raised institutional funding, has no disclosed M&A activity, and is recognized by Collection and Credit Risk magazine as a top-five commercial collection agency to watch and by Faulkner and Gray among the top 100 commercial collection agencies.

Name

Credit Mediators

Legal name

Credit Mediators, Inc.

Website

https://cmiweb.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

51–100 employees

Short description

Credit Mediators Inc. (CMI) is a privately held, family-owned commercial B2B debt recovery and collection agency founded in 1976, headquartered in Philadelphia and licensed in all 50 U.S. states. It offers Direct Collect, Letter Series, Outsourcing, Bankruptcy & Turnaround services, plus Experian-powered credit reports to B2B clients across multiple industries.

Ownership category

akta.pro rank

Product category

Commercial Debt Collection Services

NAICS

Collection Agencies (561440), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC)

akta.pro secondary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Commercial debt collection
• Accounts receivable management
• Business credit reporting
• Bankruptcy asset recovery
• Collection agency services

Headquarters

HQ city

Upper Darby

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Collection Services - Commissions: CMI charges commissions on all accounts collected, paid direct, withdrawn, or settled by return of merchandise. This is the primary revenue stream for their core debt recovery services.
2. Credit Reports: Sale of Experian-powered business credit reports including Business Credit Report Plus ($48), Commercial Score Report ($28), and International Credit Reports ($55-$225). Reports available for one-time purchase without long-term commitment.
3. Client Portal Licensing: Annual subscription access to the CMI Client Web Site and CollectNet platform. First year free, then $159 annual license per user.
4. Bankruptcy & Turnaround Services: Customized asset recovery services for bankruptcy trustees and turnaround situations, typically contracted on a contingency basis with quoted engagement scope.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Credit Mediators Inc. (CMI) is a commercial B2B debt recovery and collection agency offering Direct Collect (third-party collection), Letter Series (fixed-price letter program), Outsourcing (first-party accounts receivable management), and Bankruptcy & Turnaround asset recovery services. The company also resells Experian-powered business credit reports (Business Credit Report Plus, Commercial Score Report, International Credit Reports) and provides the CollectNet client web portal for real-time account monitoring.

Product overview

Credit Mediators Inc. (CMI) offers a suite of B2B commercial debt recovery and credit reporting services. The collection services portfolio includes Direct Collect (proprietary third-party collection program), Letter Series (fixed-price letter-based collections), Outsourcing (first-party accounts receivable management), and Bankruptcy & Turnaround (specialized asset recovery). The credit reporting division, Credit Report Plus, resells Experian data including Business Credit Report Plus ($48), Commercial Score Report ($28), and International Credit Reports ($55-$225). These products are supported by the CollectNet client portal for real-time account monitoring. CMI is registered, licensed, and bonded in all 50 states and maintains certifications from CCAofA and IACC.

Differentiator

Problem solved

Functional benefit

Products and services

• Direct Collect Proprietary third-party debt collection program featuring a six-component approach: greater call ratios, Experian credit bureau reporting for accounts unresolved past 30 days, web-based payment resolution system for debtors, nationwide lawyer network for litigation support, and a real-time client portal. Designed for B2B companies seeking professional commercial debt recovery.
• Letter Series Fixed-price collection service consisting of four letters mailed every two weeks, progressing from reminder through request, appeal, and demand notices. Designed to expedite collections while preserving customer relationships for B2B creditors.
• Outsourcing First-party collection and accounts receivable management service in which CMI professionals act as an extension of the client's credit and collection department to reduce past due receivables. Targeted at B2B companies that need to outsource their credit and collection function.
• Bankruptcy & Turnaround Customized asset recovery services for bankruptcy, restructuring, and liquidation situations, including consulting with trustees, customized court reports, locating assets, and facilitating claw backs. Targeted at bankruptcy trustees, workout companies, and financial institutions.
• Business Credit Report Plus Comprehensive Experian-powered business credit report including Days Beyond Terms (DBT), Actual Payment Experiences, 15-Month Payment Trend, and Payment Terms, plus business credit score. Priced at $48 per report with three-hour delivery and no long-term commitment.
• Commercial Score Report Focused Experian-powered commercial credit score report providing targeted credit risk assessment at an economical price point. Priced at $28 per report with no long-term commitment.
• International Credit Report Experian-powered business credit report for international companies across multiple countries in Europe and worldwide. Pricing varies by country from $55 to $225, with no long-term commitment.

Quantifiable outcome

• Reduced 120-day receivables by 97%
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Commercial Collection Agencies of America (CCAofA)coreStrategic or Co-development PartnerCMI is a certified member of CCAofA, which requires meeting rigorous standards including minimum $300,000 surety bond coverage, maintenance of separate trust accounts for collected funds, adherence to a code of ethics, and ongoing oversight. The certification provides clients with protection and benefits including professional services, prompt remittance, and access to legal counsel support.
• International Association of Commercial Collectors (IACC)coreStrategic or Co-development PartnerIACC is an international trade association with over 210 collection specialists and 140 commercial attorneys, and members throughout the U.S. and 20 international countries. Membership requires meeting rigorous standards for bonding and client trust account banking, plus reference checks. CMI's membership demonstrates quality, ethical conduct, and commitment to trust and integrity.
• ExperiancoreTechnology or IntegrationCMI is an approved reseller of Experian credit data, providing comprehensive Business Credit Reports and Business Score Reports through their Credit Report Plus service. This partnership enables CMI to offer Experian-powered credit information to clients at competitive prices.
• Turnaround Management Association (TMA)minorStrategic or Co-development PartnerCMI works with members of the Turnaround Management Association to aid with all aspects of their collection needs. Clients include banks, financial institutions, and workout and restructuring companies.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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• Xx.com/CMI_Credit
• Facebookfacebook.com/CMICreditMediators

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Credit Mediators