Professional Credit Management

What Professional Credit Management does

Professional Credit Management, Inc. (PCM) is a privately held accounts receivable management firm founded in March 1980 and headquartered in Jonesboro, Arkansas. The company operates on a contingency-fee basis, recovering delinquent debt for clients across healthcare providers (hospitals), financial institutions, utility companies, municipalities, commercial/retail businesses, and veterinary practices. Its stated recovery rate consistently exceeds national collection-agency averages, with one hospital client reporting 15-20% bad-debt collection outcomes. Services are positioned as an extension of the client's own accounts receivable department, and the firm relies on a sales-led go-to-market model with assigned representatives conducting monthly on-site client visits.

PCM's product stack centers on delinquent collections, early-out services, payment plan management, and add-on analytics modules. Core delivery is supported by letters, auto-dialers, national/local skip-trace databases, credit-reporting tools, and a secure ClientCare Portal for client account management. Through wholly-owned subsidiary Trinity Billing Solutions (TBS), PCM provides billing-agent services including statement production, payment booklet creation, and consumer correspondence. Layered on top of these workflows are Acumen! Business Intelligence (an account scoring and presumptive-charity segmentation program) and an AI-driven payment probability prediction engine that ranks accounts by likelihood of liquidation. Commercial structure is transaction-based: clients pay only on successful recovery, with rates varying by volume, balance size, and service mix.

PCM serves clients primarily across Arkansas and adjacent South-Central US states (Missouri, Tennessee, Mississippi, Louisiana, Oklahoma, and Texas). The firm maintains active participation in healthcare finance industry events (HFMA, MGMA, state hospital associations), uses a digital presence with downloadable resources for mid-funnel engagement, and channels inbound demand through phone and web contact. No public ownership, institutional investment, M&A, or external funding events are disclosed in the source data.

Name

Professional Credit Management

Legal name

Professional Credit Management, Inc.

Website

https://pro-credit.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Short description

Professional Credit Management is a regional accounts receivable management firm serving healthcare providers, financial institutions, utilities, municipalities, and commercial businesses across the South-Central US with contingency-based collection, early-out, and payment plan services.

Ownership category

akta.pro rank

Product category

Accounts Receivable Management & Debt Collection Services

NAICS

Collection Agencies (561440), Other Activities Related to Credit Intermediation (522390)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

First-Party (In-House) Collections & Servicing (FSAKAJAA)

akta.pro secondary industries

Accounts Receivable (A/R) & Collections Management (HLACACAJ), Patient Billing, Statements & Payment Processing (HLACACAG), Credit, Collections & Arrears Management (Dunning, Write-offs) (EUAJAHAE)

Keywords

• Accounts receivable management
• Debt collection services
• Early-out billing services
• Healthcare collections
• Payment plan management

Headquarters

HQ city

Jonesboro

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Contingency-Based Collection Services: PCM operates on a contingency fee basis for delinquent collections, early-out services, and payment plan management. Clients pay only when PCM successfully recovers monies - no collection means no fees. No up-front, hidden, membership fees or expenses. Rates vary based on volume, balances, and specific services provided.
2. Early-Out Services: PCM functions as an extension of clients' accounts receivable departments, handling billing, statement production/mailing, payment plan setup, payment booklets, and consumer correspondence through its subsidiary Trinity Billing Solutions.
3. Account Scoring and Presumptive Charity: Specialized analytics services for account segmentation and presumptive charity identification, with pricing on a customized quote basis.
4. Payment Plan Management: PCM manages and monitors payment plans for clients, handling ongoing administration and compliance in a cost-effective manner.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Professional Credit Management (PCM) provides contingency-based accounts receivable management and debt collection services to healthcare providers, financial institutions, utilities, municipalities, and commercial businesses. Core offerings include delinquent debt collections, early-out accounts receivable outsourcing, and payment plan management, complemented by billing agent services through its subsidiary Trinity Billing Solutions (statement production, mailing, payment booklets) and account scoring/segmentation via Acumen! Business Intelligence and an AI-powered payment probability prediction engine.

Product overview

Professional Credit Management (PCM) operates as an accounts receivable management company offering a unified suite of collection and billing services. The core offerings include Delinquent Collections for overdue accounts and Early-Out Services for front-end AR management. Through its subsidiary Trinity Billing Solutions (TBS), PCM provides billing agent services including statement production and payment booklet creation. The product portfolio includes specialized modules like Acumen! Business Intelligence for account scoring and segmentation, Payment Plan Management for ongoing plan monitoring, Presumptive Charity Services, and an AI-powered collection optimization capability that predicts payment probabilities to focus collection efforts on high-value accounts.

Differentiator

Problem solved

Functional benefit

Brands

• Acumen! Business Intelligence: Account segmentation program providing scoring mechanisms to predict accounts that will generate the most revenue, liquidate fastest, and identify accounts unlikely to liquidate despite collection efforts. Also includes presumptive charity services.
• Trinity Billing Solutions (TBS)

Products and services

• Delinquent Collections Contingency-based third-party debt collection on overdue accounts for healthcare providers, financial institutions, utilities, municipalities, and commercial clients.
• Early-Out Services Outsourced front-end accounts receivable support in which PCM acts as an extension of the client's AR department, handling billing, statement production and mailing, payment plan setup, payment booklets, and consumer correspondence.
• Trinity Billing Solutions (TBS) Billing agent services for clients including statement production and mailing, payment plan setup, payment booklets, and verbal/written consumer correspondence.
• Acumen! Business Intelligence Account scoring and segmentation service that scores client portfolios to identify the highest-recovery-potential accounts for prioritized collection effort and to flag accounts unlikely to liquidate.
• Payment Plan Management Managed service to set up, monitor, and administer customer payment plans on behalf of clients, handled by experienced staff and supporting systems.
• Presumptive Charity Services Account-level financial assessment service that identifies patient or customer accounts suitable for presumptive charity designation.

Quantifiable outcome

• Recovery rates consistently exceed national collection agency averages
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

One partnership is on record.

• Trinity Billing SolutionscoreStrategic or Co-development PartnerTrinity Billing Solutions (TBS) is PCM's subsidiary that provides comprehensive billing services including statement production/mailing, payment plan setup, payment booklets, and consumer correspondence. TBS enables PCM to offer early-out services as an extension of clients' accounts receivable departments.

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• IC System: Mid-sized third-party debt collection agency serving healthcare, financial, and commercial clients. Highly comparable to PCM in operating model, contingency-based revenue, and multi-vertical focus.
• CBE Group: Healthcare-specialized ARM firm offering early-out and bad-debt collections to hospitals and health systems. Closely comparable to PCM's healthcare-heavy mix and Trinity Billing Solutions-style services.
• The CMI Group: Healthcare-focused accounts receivable management company providing early-out, bad-debt, and extended business office services. Direct overlap with PCM's hospital RCM offerings.
• Enhanced Recovery Company: Diversified ARM provider serving consumer and commercial clients across multiple verticals. Comparable in scale and customer segments to PCM's regional multi-vertical approach.
• Transworld Systems: Accounts receivable management and debt recovery firm offering contingency collections and first-party services. Closely aligned with PCM's combined first-party (TBS) and third-party model.
• Radius Global Solutions: ARM company providing outsourced receivables management across consumer and commercial verticals. Comparable in scope and client types to PCM.
• Vervent: Full-service ARM including debt collections and customer management, formerly GC Services. Comparable in services, scale, and multi-vertical exposure to PCM.
• ConServe: ARM firm providing contingency-based debt recovery with significant higher-education and healthcare exposure. Comparable business model and client verticals to PCM.
• Credit Collection Services: Debt collection agency offering third-party and first-party services to financial institutions, healthcare, and commercial clients. Closely matches PCM's contingency-fee AR model.
• Phillips & Cohen Associates: ARM company specializing in deceased-account and consumer debt recovery with multi-vertical reach. Comparable in contingency-based collections and operational sophistication to PCM.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Professional Credit Management