The threshold
What qualifies
The threshold is simple: commercial / B2B only, a real documented invoice or contract, not already placed elsewhere, and a real past-due balance worth pursuing. There is no hard dollar minimum — if you are unsure, submit it and we will tell you fast. Healthcare and consumer debt are out of scope.
What we take
- Commercial, business-to-business invoices.
- A real, documented invoice or contract.
- An account that is not already with another agency.
What we don’t
- Consumer debt: we do commercial.
- Healthcare debt.
- Undocumented debt — we need a real invoice or contract.
When to think of us
Think of us at the exact moment you see aging A/R, not weeks later. Refer when you see:
- A client with invoices 90+ days past due.
- A client who says “we gave up on collecting this.”
- A customer who has stopped responding.
- A client considering writing off the balance.
- An invoice too small for litigation but too large to ignore.
- A client with multiple old B2B invoices.
- A client who is angry but does not want to chase.
- An aging report with real past-due commercial balances.
Have an account that qualifies?
If it's commercial, real, and over the minimum, it's exactly what we want. Apply to get your partner link.