We’re purpose-built for mid-market businesses with high-impact balances, so our sweet spot starts at 100 K in total placements (one large invoice or a bundle of smaller ones). Why? Larger balances justify deploying senior collectors, forensic analytics, and—if necessary—legal escalation, all on a pure contingency basis. Smaller, consumer-grade claims often don’t deliver the ROI our clients expect.

Age alone rarely stops recovery. We routinely collect 12- to 24-month-old invoices and have succeeded with accounts well past 36 months, provided the debtor is still solvent. The key variables are (1) the debtor’s current liquidity and (2) whether the statute of limitations in the governing jurisdiction is still open. Our preliminary asset check tells us—within 24 hours—if the claim is worth pursuing.

Zero upfront dollars. All hard costs (skip tracing, certified mail, credit-bureau pulls, even initial court filing fees) are fronted by us. We earn a pre-agreed percentage of what we actually collect—nothing hits your P&L until cleared funds hit your bank. If we don’t deliver deposits, you don’t write checks. That keeps our incentives perfectly aligned with yours.