Accounts Receivable
Accounts Receivable is an Orlando-based debt collection agency serving small and mid-sized businesses across all 50 U.S. states, offering contingency-based collections under a No Recovery No Fee guarantee and a flat-fee Invoice Guard subscription product, plus affiliated attorney network and asset screening services.
- Company typePrivate
- Founded1960
- HeadquartersOrlando, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Accounts Receivable does
Accounts Receivable (AccountsReceivable.com) is a privately held, Orlando, Florida-based debt collection agency founded circa 1960, serving small and mid-sized businesses, medical practices, commercial entities, landlords, government, financial institutions, and other verticals across all 50 U.S. states plus select international jurisdictions. The firm operates two primary commercial lines: a traditional contingency-based debt collection service marketed under a "No Recovery No Fee" guarantee (with contingency rates spanning 30%-50% depending on claim age, size, and whether litigation is required), and the Invoice Guard flat-fee subscription product (Basic $99/month for 4 claims, Plus $189/month for 8 claims, Professional $279/month for 12 claims), with a 60-day collection cycle and contingency escalation for non-compliant accounts.
The underlying technology stack is centered on the Collect! Online client portal (a third-party platform from Comtech Systems Inc.) that provides 24-7 account access, reporting, and claim management. Operational capabilities are differentiated by integrations with credit bureau data sources, postal change-of-address databases for skip tracing, Dun & Bradstreet business credit reports, and a two-way SMS text-message service for debtor communication via keyword commands. The firm also operates a self-serve e-commerce storefront for subscription tier purchases and an affiliate/referral program paying 5% commissions across a 5-tier downline structure.
The go-to-market motion combines inside sales (phone-based account executives at 321-710-3530), an affiliate channel that has reportedly driven 20,000+ Invoice Guard signups, and a network of 50+ state-specific SEO domains for localized organic acquisition. Customer acquisition cost economics rely on free consultations and "No Recovery No Fee" framing to convert leads, with cumulative disclosed scale of 29,298 clients served, 319,189 claims collected, and 15,841 successfully litigated claims. Revenue mechanics are transaction-fee driven on the legacy book and increasingly subscription-based on the Invoice Guard book, with litigation at 35% contingency and asset/background screening as ancillary add-on revenue.
Accounts Receivable firmographics
Firmographics- Name
- Accounts Receivable
- Legal name
- Accounts Receivable
- Website
- https://accountsreceivable.com
- Company type
- Private
- Founded year
- 1960
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Accounts Receivable is an Orlando-based debt collection agency serving small and mid-sized businesses across all 50 U.S. states, offering contingency-based collections under a No Recovery No Fee guarantee and a flat-fee Invoice Guard subscription product, plus affiliated attorney network and asset screening services.
- Ownership category
- akta.pro rank
Accounts Receivable industry classification
Industry- Product category
- Debt Collection Services
- NAICS
- Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)
- akta.pro secondary industries
- Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN), Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support) (BPAAAEAD)
Keywords
Where Accounts Receivable is headquartered
LocationHeadquarters
- HQ city
- Orlando
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Accounts Receivable business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Contingency-Based Collection Fees: Traditional contingency fee model where the company earns a percentage only when debt is successfully recovered. Fees vary by debt age and amount: 30% for claims under 1 year old, 40% for claims over 1 year, 50% for claims under $1,000 or those forwarded to attorneys, 10% commission on returned merchandise.
- Invoice Guard Subscription: Monthly subscription fees for the Invoice Guard flat-fee collection program. Three tiers: Basic ($99/month, 4 claims), Plus ($189/month, 8 claims), Professional ($279/month, 12 claims). Additional claims beyond tier limits priced at $100 each. Includes 20% contingency rate for non-compliant accounts after 60-day cycle and 35% for litigation.
- Asset & Background Screening Reports: One-time or subscription-based screening services for tenant, employee, and customer verification. Unlimited access model with bimonthly billing or a la carte single report purchases.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Pay-as-you-go | Claims under 1 year old - 30% contingency fee |
| Outcome Based/ Performance | Pay-as-you-go | Claims over 1 year old - 40% contingency fee |
| Outcome Based/ Performance | Pay-as-you-go | Claims under $1,000 - 50% contingency fee |
| Outcome Based/ Performance | Pay-as-you-go | Attorney-forwarded claims - 50% contingency fee |
| Outcome Based/ Performance | Pay-as-you-go | Merchandise return - 10% commission |
| Transaction based/ take rate | Pay-as-you-go | Withdrawn claims admin fee - 10% of principal |
| Subscription | Monthly | Basic tier - $99/month, 4 claims |
| Subscription | Monthly | Plus tier - $189/month, 8 claims |
| Subscription | Monthly | Professional tier - $279/month, 12 claims |
| Outcome Based/ Performance | Pay-as-you-go | Non-compliant accounts after 60 days - 20% contingency |
| Outcome Based/ Performance | Pay-as-you-go | Litigation rate - 35% contingency |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Accounts Receivable product offering
Product offeringCore offering
Accounts Receivable is a debt collection agency that recovers past-due accounts for businesses and individuals under a "No Recovery No Fee" contingency model. It also operates the Invoice Guard flat-fee monthly subscription program (Basic $99, Plus $189, Professional $279) that delivers a systematic 60-day collection cycle with demand letters, phone/email/fax contact, and optional litigation. The firm serves SMBs through large organizations across verticals including medical, commercial, retail, financial, educational, government, utilities/telecom, landlord/tenant, and international debt.
Product overview
Accounts Receivable operates as a debt collection agency offering two primary service models: traditional contingency-based collections with a 'No Recovery No Fee' guarantee, and the Invoice Guard flat-fee subscription program. The Invoice Guard program provides tiered monthly subscriptions (Basic, Plus, Professional at $99-$279/month) with claim submission limits and includes a 60-day recovery cycle with litigation options. The company also offers specialized collection services across industry verticals including medical, commercial, international, retail, financial, educational, government, and utilities sectors. Additional offerings include Asset & Background Reports for screening, an SMS text messaging service for debtor communication, and a multi-tier affiliate referral program. The client portal provides 24/7 online access to account management and reporting.
Differentiator
Problem solved
Functional benefit
Brands
- Invoice Guard: A flat-fee debt collection program offering subscription-based claims submission with pricing tiers: Basic ($99/month for 4 claims), Plus ($189/month for 8 claims), and Professional ($279/month for 12 claims). Features include 24/7 online reporting, email support, and a 60-day recovery cycle.
Products and services
- Traditional Debt Collection Agency Services Contingency-based debt collection with a "No Recovery No Fee" model pursuing unpaid debts on behalf of businesses and individuals across medical, commercial, retail, financial, educational, government, utility, and telecom sectors. Fees scale with debt age and amount (30-50% contingency).
- Invoice Guard Subscription Program Flat-fee monthly subscription program for businesses that prefer predictable collection costs over contingency fees. Three tiers (Basic $99/month for 4 claims, Plus $189/month for 8 claims, Professional $279/month for 12 claims) include 24/7 online reporting, demand letters, daily phone/email/fax contact, and a 60-day recovery cycle with 20% contingency on non-compliant accounts and 35% for litigation if needed.
- Medical Collections Specialized debt collection services for healthcare providers and medical practices recovering unpaid patient balances, with sensitivity to provider-patient relationships and healthcare billing regulations.
- Commercial Collections Debt collection services for business-to-business commercial accounts and contracts, including cross-state commercial disputes, large invoice defaults, and bankruptcy-risk scenarios.
- International Collections Cross-border debt recovery services utilizing an international network of affiliated attorneys for litigation support worldwide, with skip-tracing against credit bureau and postal change-of-address databases to locate foreign debtors.
- Asset & Background Reports One-time and subscription-based background and asset investigation services for tenant screening, employee screening, customer credit verification, criminal history checks, bankruptcy/judgment searches, and business verification via Dun & Bradstreet.
- NSF Returned Checks Collections Recovery services for non-sufficient funds checks and returned payment instruments, helping businesses pursue bounced-check amounts without absorbing administrative costs.
- Landlord/Tenant Collections Debt collection services for landlords and property managers pursuing unpaid rent, damages, and security deposit disputes from former tenants.
- Utilities and Telecom Collections Debt collection services for utility companies and telecommunications providers recovering past-due bills while managing customer retention and service continuity concerns.
- Educational Institutions Collections Debt collection services for schools, universities, and educational service providers recovering delinquent tuition and fees in compliance with federal student-debt and education regulations.
- Government Collections Debt collection services for federal, state, and local government agencies pursuing unpaid claims, fines, and statutory assessments with regulatory compliance.
Quantifiable outcome
- 29,298 clients served
- +5 more outcomes
Companies that use Accounts Receivable
Customer profileNamed customers15 records
Segments12 records
Ideal customer profiles2 records
Accounts Receivable technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Accounts Receivable partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Accounts Receivable Collection NetworkcoreNetwork of collection agencies and law firms located within debtor geographical areas for escalated collections after the 60-day Invoice Guard cycle. Enables cross-referral of non-compliant accounts and provides local litigation support.
- Affiliated Attorney NetworkcoreLaw firms affiliated with Accounts Receivable for litigation support on debt claims. Litigation handled at 35% contingency with no fees if collection fails. Attorneys located worldwide for international claims.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Accounts Receivable competitors and assessment
Company assessmentDirect peers
- IC System: Privately held US debt collection agency of comparable size serving SMBs and consumers across multiple verticals with contingency-based pricing and online client tools. Directly comparable on business model, target market, and product mix.
- Williams & Fudge: Independent US third-party collection agency focused on higher education, commercial, and government debt recovery. Comparable contingency-fee model and SMB/institutional client mix.
- Hunter Warfield: US commercial and consumer third-party collection agency serving SMBs with contingency-based pricing and an affiliated attorney network for litigation support. Closely comparable on services, target customer, and geographic reach.
- RGS Financial: Mid-sized US third-party debt collection agency with similar SMB and consumer focus, contingency pricing, and a flat-fee tier offering. Directly comparable in business model and customer segments.
Broad incumbents
- EOS Solutions (US arm of EOS Group): Subsidiary of EOS Group, one of the largest European collection services platforms with US operations. Larger scale than Accounts Receivable but operates a directly comparable third-party collection model across consumer and commercial verticals.
- Transworld Systems: Established US debt recovery and business process outsourcing firm with a broader service portfolio (skip tracing, BPO, payment processing). Comparable core collection offering but at meaningfully larger scale with a wider product suite.
- PRA Group: Publicly traded US debt buyer and collector operating at far larger scale. Comparable in vertical coverage (financial, healthcare, telecom, utilities) but with a different capital-intensive debt-purchasing model alongside agency services.
- Encore Capital Group: Publicly traded global debt buyer and collection agency parent (Midland Funding, Cabot Credit Management). Operates at vastly larger scale and with a debt-purchase model; comparable only on the agency-services side of its business.
Emerging players
- TrueAccord: Venture-backed, tech-enabled consumer debt collection platform using machine learning and digital-first outreach. Partial overlap with Accounts Receivable's SMB/consumer segments; competes on recovery yield via differentiated technology rather than geographic reach.
- ClearBalance Healthcare: Healthcare-focused patient financing and receivables management firm. Comparable on the medical collections vertical specifically but does not compete across Accounts Receivable's broader commercial and consumer book.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Accounts Receivable social profiles
Digital presenceAccounts Receivable financial estimates
Financial estimateRevenue estimate
Valuation estimate
Accounts Receivable leadership team
Management profileNumber of profiles
Accounts Receivable funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Accounts Receivable M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Accounts Receivable
What does Accounts Receivable do?
Accounts Receivable is a debt collection agency that recovers past-due accounts for businesses and individuals under a "No Recovery No Fee" contingency model. It also operates the Invoice Guard flat-fee monthly subscription program (Basic $99, Plus $189, Professional $279) that delivers a systematic 60-day collection cycle with demand letters, phone/email/fax contact, and optional litigation. The firm serves SMBs through large organizations across verticals including medical, commercial, retail, financial, educational, government, utilities/telecom, landlord/tenant, and international debt.
Is Accounts Receivable a public or private company?
Accounts Receivable is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Accounts Receivable founded?
Accounts Receivable was founded in 1960. It employs 11 to 50 people.
Where is Accounts Receivable based?
Accounts Receivable is headquartered in Orlando, United States, in the North America region.
How does Accounts Receivable make money?
Three revenue lines are on record. Contingency-Based Collection Fees are the primary driver. The others are invoice Guard Subscription and asset & Background Screening Reports.
Who are Accounts Receivable's main competitors?
Direct peers on record are IC System, Williams & Fudge, Hunter Warfield and RGS Financial. Broad incumbents are EOS Solutions (US arm of EOS Group), Transworld Systems, PRA Group and Encore Capital Group. Emerging players are TrueAccord and ClearBalance Healthcare.
Does Accounts Receivable have an API?
No public API is recorded for Accounts Receivable.
What industry is Accounts Receivable in?
Accounts Receivable's product category is Debt Collection Services. Its primary akta.pro industry code is BPAAAEAB, Third-Party Debt Collection Agencies (Consumer & Commercial), with a secondary code of BPAAAEAH, Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery). Its NAICS code is 561440 and its SIC code is 7320.