Superlative RM
Superlative RM is a privately held, veteran-owned third-party debt collection agency serving banks, credit unions, fintech lenders, auto finance, debt buyers, and healthcare creditors across 32+ U.S. states via its proprietary CONNECT omnichannel collections platform on a contingency-fee basis.
- Company typePrivate
- Founded2008
- HeadquartersElk Grove, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Superlative RM does
Superlative RM, operating through its legal entity Terrill Outsourcing Group, LLC, is a privately held, veteran-owned third-party debt collection agency headquartered in Scottsdale, Arizona, with additional offices in Elk Grove, California; Phoenix, Arizona; and Montrose, Colorado. The company recovers delinquent consumer accounts on behalf of creditor clients across banking, credit unions, fintech lending, auto finance, debt buying, and healthcare revenue cycle management, generating revenue on a contingency-fee basis as a percentage of amounts recovered. Superlative RM holds active collection agency licensing in 32+ U.S. states plus Puerto Rico and Washington, D.C., and is RMAI Certified, SOC 2 Type 2 examined, and FDCPA/FCRA/GLBA compliant.
The company's core product is CONNECT by Superlative RM, a proprietary omnichannel collections platform that combines online consumer chat, two-way SMS, two-way email, a 24/7 self-service portal, digital reminder workflows, and a customizable reporting suite. The platform is secured by 256-bit encryption and multi-factor authentication, and is positioned as the primary interface for consumer account resolution alongside traditional phone support (Monday–Friday, 8 a.m.–5 p.m. Pacific). The business is sales-led and B2B, with direct enterprise and inside-sales teams targeting creditor clients; consumer-side distribution is self-service through CONNECT and phone. Leadership is anchored by founder, CEO, and Chief Compliance Officer Jerry Terrill, a U.S. Marine Corps veteran with 30+ years in receivables, supported by a recently hired VP of Business Development.
Superlative RM firmographics
Firmographics- Name
- Superlative RM
- Legal name
- Terrill Outsourcing Group, LLC dba Superlative RM
- Website
- https://superlativerm.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Superlative RM is a privately held, veteran-owned third-party debt collection agency serving banks, credit unions, fintech lenders, auto finance, debt buyers, and healthcare creditors across 32+ U.S. states via its proprietary CONNECT omnichannel collections platform on a contingency-fee basis.
- Ownership category
- akta.pro rank
Superlative RM industry classification
Industry- Product category
- Debt Collection Services
- NAICS
- Collection Agencies (56144), Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Specialty Consumer Loan Servicing & Collections (Subprime) (FSAKAOAJ)
- akta.pro secondary industries
- BNPL Servicing, Billing & Collections (FSAKACAH), Medical Debt Collection & Revenue Cycle Bad-Debt Recovery (FSAKAJAM)
Keywords
Where Superlative RM is headquartered
LocationHeadquarters
- HQ city
- Elk Grove
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Superlative RM business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Debt Collection Services: Superlative RM generates revenue by collecting past-due accounts on behalf of creditor clients. As a third-party collection agency, they receive payment when accounts are successfully resolved, typically on a contingency fee basis where they earn a percentage of amounts recovered.
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Superlative RM product offering
Product offeringCore offering
Superlative RM is a veteran-owned, RMAI-certified third-party debt collection agency that recovers delinquent consumer accounts on behalf of creditor clients such as banks, credit unions, fintech lenders, auto finance companies, and debt buyers. Its service is delivered through the proprietary CONNECT by Superlative RM™ digital platform, which provides consumer self-service (payment portal, payment plans, dispute submission, communication preferences) alongside omnichannel communication (online chat, two-way SMS, email) and a customizable reporting suite for creditor clients. Operations are licensed across 32+ U.S. states and secured with SOC 2 Type II controls and 256-bit encryption.
Product overview
Superlative RM is a veteran-owned, RMAI-certified debt collection agency offering a single unified digital platform called CONNECT by Superlative RM™. The platform provides an integrated suite of self-service tools for consumers to manage their accounts, make payments, set up payment plans, and communicate with representatives. The platform includes online chat, two-way SMS, two-way email, digital reminders, and customizable reporting dashboards for creditor clients.
Differentiator
Problem solved
Functional benefit
Brands
- CONNECT by Superlative RM™: Proprietary digital-first collections platform with online consumer chat, 2-way SMS, 2-way email, self-service portal, digital reminder strategy, and customizable reporting suite.
Products and services
- CONNECT by Superlative RM™ Proprietary omnichannel digital collections platform that gives consumers online chat, two-way SMS, two-way email, a 24/7 self-service portal for payments and payment plans, dispute submission, communication preference management, and a customizable reporting and dashboard suite for creditor clients; used internally by Superlative RM to deliver third-party debt collection services to enterprise creditors.
Quantifiable outcome
- Complaint rate maintained below 1%
- +3 more outcomes
Companies that use Superlative RM
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
Superlative RM technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Superlative RM partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Cascade365coreCascade365 is a family of companies providing accounts receivable liquidity solutions to consumer finance and healthcare industries. They provide master servicing solutions for creditors and work with a network of vendors to achieve asset liquidity. Superlative RM received the 2022 Tier 1 Top Agency Award from Cascade365 for superior performance and compliance standards. Like Superlative RM, Cascade365 is headquartered in California and is an RMAI-Certified Receivables Business.
- Branding ArcminorBranding Arc is a full-service marketing agency focused on providing website, marketing, and reputation management services to the financial services and receivables management industries. Located in Port Saint Lucie, FL, Branding Arc partnered with Superlative RM to implement website accessibility updates compliant with the Americans with Disabilities Act, including automated analysis for ongoing website improvements.
- Crown Asset ManagementcoreCrown Asset Management is a professional receivables management firm headquartered in Duluth, GA that outsources purchased accounts to a nationwide network of collection agencies and law firms. Superlative RM began its partnership with Crown in 2014 and has received Crown Asset Management's Agency of the Year award for three consecutive years (2021, 2022, 2023) based on exceptional compliance metrics and service levels. Crown Asset Management is an RMAI Certified Receivables Business.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Superlative RM competitors and assessment
Company assessmentDirect peers
- Afni: Contact center and third-party collection services provider offering consumer recovery across financial services and telecommunications; comparable to Superlative RM in delivering omnichannel recovery on behalf of consumer-creditor clients.
- IC System: Long-established debt collection agency offering first- and third-party collection services across consumer and commercial accounts; closely comparable to Superlative RM in offering B2B recovery services with compliance-driven operations.
- Resurgent Capital Services: Receivables management and third-party collection servicer handling credit card and consumer loan portfolios for major financial institutions; directly comparable to Superlative RM in delivering outsourced recovery services to large creditors.
- Coast Professional: Mid-market collection agency focused on higher-education, consumer, and commercial recovery; comparable to Superlative RM in targeting institutional creditors with compliant, technology-supported recovery programs.
- Williams & Fudge: Collection agency specializing in higher education and consumer account recovery; comparable to Superlative RM as a privately held, mid-sized third-party collection firm with a strong compliance and client-service orientation.
- Convergent Outsourcing: Mid-sized B2B third-party collection agency serving banks, healthcare, and consumer lenders with omnichannel contact strategies; comparable in scale, client mix, and emphasis on compliance-driven collections to Superlative RM.
- Transworld Systems (Aldridge Pitter): B2B debt collection and creditor services firm serving banks, credit unions, and commercial creditors nationwide; comparable in offering third-party recovery services with regulatory compliance focus similar to Superlative RM.
Broad incumbents
- PRA Group: Large publicly traded purchaser and servicer of defaulted consumer receivables with both debt-buying and third-party collection operations; comparable as an industry incumbent broadly covering the same recovery-services category Superlative RM operates in.
- Encore Capital Group: Global leader in purchasing and servicing charged-off consumer debt portfolios through subsidiaries including Midland Credit Management; broadly comparable as a major incumbent in the consumer receivables-management space.
Emerging players
- TrueAccord: Digital-native, self-service debt collection platform using machine learning and consumer-centric engagement; comparable to Superlative RM's CONNECT platform in emphasizing digital-first omnichannel recovery.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Superlative RM social profiles
Digital presenceSuperlative RM compliance and trust
Trust signalCompliance6 records
Superlative RM financial estimates
Financial estimateRevenue estimate
Valuation estimate
Superlative RM leadership team
Management profileNumber of profiles
Profiles3 records
Superlative RM funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Superlative RM M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Superlative RM
What does Superlative RM do?
Superlative RM is a veteran-owned, RMAI-certified third-party debt collection agency that recovers delinquent consumer accounts on behalf of creditor clients such as banks, credit unions, fintech lenders, auto finance companies, and debt buyers. Its service is delivered through the proprietary CONNECT by Superlative RM™ digital platform, which provides consumer self-service (payment portal, payment plans, dispute submission, communication preferences) alongside omnichannel communication (online chat, two-way SMS, email) and a customizable reporting suite for creditor clients. Operations are licensed across 32+ U.S. states and secured with SOC 2 Type II controls and 256-bit encryption.
Is Superlative RM a public or private company?
Superlative RM is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Superlative RM founded?
Superlative RM was founded in 2008. It employs 11 to 50 people.
Where is Superlative RM based?
Superlative RM is headquartered in Elk Grove, United States, in the North America region.
How does Superlative RM make money?
One revenue line is on record: debt Collection Services.
Who are Superlative RM's main competitors?
Direct peers on record are Afni, IC System, Resurgent Capital Services, Coast Professional, Williams & Fudge, Convergent Outsourcing and Transworld Systems (Aldridge Pitter). Broad incumbents are PRA Group and Encore Capital Group. TrueAccord is listed as an emerging player.
Does Superlative RM have an API?
No public API is recorded for Superlative RM.
What industry is Superlative RM in?
Superlative RM's product category is Debt Collection Services. Its primary akta.pro industry code is FSAKAOAJ, Specialty Consumer Loan Servicing & Collections (Subprime), with a secondary code of FSAKACAH, BNPL Servicing, Billing & Collections. Its NAICS code is 56144 and its SIC code is 7320.