Creditors' Discount & Audit

What Creditors' Discount & Audit does

Creditors' Discount & Audit operates commercially as CACi Online, whose legal entity is Consumer Adjustment Company, Inc., a privately held U.S. corporation founded in 1947 and headquartered at 500 Northwest Plaza, Suite 300, St. Ann, Missouri. The firm provides third-party accounts-receivable management and debt-recovery services to business clients, with a stated cross-vertical focus on healthcare, banking, and retail. Ancillary offerings include staffing and customer-care services. CACi holds RMAI Certified Agency status (certification number C2003-1137) and is registered under the Nationwide Multistate Licensing System (NMLS ID 977542), signaling compliance with receivables-management industry standards.

The operating stack consists of three components: the CACi Online A/R management service, the Consumer Self-Management Portal at managemyaccount.net (enabling online payments and consumer account inquiry), and the Client Access Web Portal at clientaccessweb.com (delivering performance metrics, account-level detail, and report scheduling to business clients). Distribution is sales-led and direct: a dedicated sales line (800-777-7971) and email channel ([email protected]) serve prospective B2B clients, while the consumer portal handles inbound consumer traffic. Pricing is quote-based and not publicly disclosed.

The revenue model is transaction-fee, with fees contingent on successful debt recovery — typical of contingency-collection agencies. No public revenue figure, funding history, ownership structure, management team, partnerships, acquisitions, or geographic expansion beyond a U.S. domestic footprint is disclosed. With 11–50 employees and an absence of disclosed growth signals, CACi presents as a long-tenured, small-scale specialist operator in a mature industry segment rather than a growth-stage or scale-seeking enterprise.

Name

Creditors' Discount & Audit

Legal name

Consumer Adjustment Company, Inc.

Website

https://cdac.biz

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

11–50 employees

Short description

Creditors' Discount & Audit, operating as CACi Online (Consumer Adjustment Company, Inc.), is a U.S. private accounts-receivable management firm founded in 1947 that recovers outstanding debt for business clients across healthcare, banking, and retail on contingency fees.

Ownership category

akta.pro rank

Product category

Debt Collection / Accounts Receivable Management

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

Keywords

• Accounts receivable management
• Debt collection services
• Consumer self-service portal
• Receivables recovery
• Customer care outsourcing

Headquarters

HQ city

Streator

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

Revenue model

1. Accounts Receivable Management Services: CACi provides accounts receivable management services to businesses, helping them recover outstanding payments from consumers. Revenue is generated through contingency-based or performance-based fees tied to successful debt recovery.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Creditors' Discount & Audit, operating as CACi Online (Consumer Adjustment Company, Inc.), provides accounts receivable management, debt collection, staffing, and customer care services primarily for healthcare, banking, and retail industries. Services are delivered through a combination of agency operations and two online portals — a client portal for performance reporting and a consumer self-management portal for payments and inquiries.

Product overview

CACi Online (Consumer Adjustment Company, Inc.) operates as a unified accounts receivable management platform, combining its core A/R management services with integrated consumer and client-facing web portals. The core offering consists of technology-driven accounts receivable management, supported by staffing and customer care services. The Consumer Self-Management Portal enables consumers to make payments and manage their accounts, while the Client Access Web Portal provides business clients with performance monitoring and reporting capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• CACi Online Accounts Receivable Management
• Consumer Self-Management Portal
• Client Access Web Portal

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Recent moves4 records

Expansion highlights2 records

Direct peers

• DCM Services: DCM Services is a specialized third-party collection agency focused on healthcare estate recovery and insurance subrogation. Comparable to CACi as a regulated healthcare-focused collection agency operating on contingency fees with portal-based consumer account management.
• Transworld Systems (TSI): Transworld Systems provides outsourced accounts receivable management, third-party collections, and call center services to SMB and enterprise creditors across industries. Comparable to CACi in offering A/R management + staffing/customer care as bundled services to small business clients.
• CBE Group: CBE Group is a U.S. debt collection agency with a strong focus on healthcare, student loan, and commercial receivables recovery. Comparable to CACi in serving healthcare and financial-services creditors with contingency-based A/R management services.
• Windham Professionals: Windham Professionals is a third-party debt collection and accounts receivable management firm serving student loan, healthcare, and commercial creditors. Comparable to CACi as a similarly positioned mid-market third-party agency with contingency-fee engagements.
• IC System: IC System is a third-party consumer and commercial debt collection agency serving creditors across healthcare, retail, financial services, and government. Comparable to CACi as a similarly sized RMAI-style collection agency with a contingency-fee model and web-based consumer payment portals.
• Enhanced Resource Centers (ERC): ERC is a BPO provider specializing in third-party debt collections, customer care, and back-office support for financial services, healthcare, and utilities. Comparable to CACi in contingency-fee collections model and multi-vertical creditor base.
• AFNI (Applied Finance Group): AFNI is a BPO firm offering third-party collections, customer care, and accounts receivable management to telecoms, financial services, healthcare, and retail clients. Comparable to CACi in business model (contingency collections + AR management) and customer segments.

Broad incumbents

• Firstsource Solutions: Firstsource Solutions is a global BPO provider with collections, customer service, and accounts receivable management capabilities serving banking, financial services, and healthcare clients. Comparable to CACi in providing AR management and customer care to regulated verticals, but at significantly larger enterprise scale.
• Encore Capital Group: Encore Capital Group is a publicly traded debt buyer and owner of Midland Credit Management, purchasing charged-off consumer receivables and operating large-scale collection operations. Comparable to CACi only at the industry level—Encore is a broad incumbent that operates in the same receivables management space but on a far larger, portfolio-owned basis.
• PRA Group: PRA Group is a publicly traded global receivables management company that purchases and collects portfolios of defaulted consumer receivables. Comparable to CACi at the industry level as a broad incumbent in U.S. receivables management, but operates at vastly larger scale via portfolio acquisitions rather than contingency third-party agency work.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Creditors' Discount & Audit