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Providing Creative Solutions to Common Problems
Providing Creative Solutions to Common Problems
When you’re running a business in Brownsville and the Rio Grande Valley, late-paying commercial customers can quickly turn into a serious cash flow problem. Whether you’re managing a trucking company, construction firm, wholesale distributor, or service provider, unpaid invoices tie up working capital you need for payroll, inventory, and growth opportunities.
Commercial collection agencies specialize in recovering these overdue B2B accounts while maintaining the professional relationships that keep your business running. Unlike consumer debt collectors, commercial agencies understand how businesses buy, invoice, and pay one another, and they bring specialized strategies tailored to the complexity of business-to-business transactions.
For South Texas companies serving both local and national customers, the right collection partner can manage multi-state accounts, documentation requirements, and industry-specific payment norms, so you can stay focused on operations instead of chasing debt.
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Southwest Recovery Services: Get Your Money Back 20+ Years Experience | Texas-Based | Contingency Only – You Pay When We Collect
Built for Commercial Collections:
The Southwest Recovery Difference: ✓ Contingency only – no upfront costs ✓ Veteran collectors with respectful omnichannel outreach ✓ Priority sectors: trucking, logistics, contractors, oil & gas ✓ Clear reporting on account status and outcomes Trust & Results You Need: Nationally recognized ethical collections agency with 12 offices across six states. Compliance-first approach with no threats or guarantees. |
What Commercial Collection Agencies Do
Commercial collection agencies focus exclusively on business-to-business accounts rather than consumer debts. These agencies handle everything from early intervention on aging invoices to intensive third-party collection campaigns and, when appropriate, coordination with attorneys for potential legal escalation.
The goal is to act as an extension of your accounts receivable team, applying professional pressure to recover what you’re owed while preserving the possibility of future business relationships.
Most commercial collection agencies in Texas operate on a contingency basis, meaning they charge a fee only if they successfully recover funds. This “no collection, no fee” model aligns their incentives with your results and eliminates upfront financial risk for businesses already experiencing cash flow strain.
For B2B claims, contingency fees typically range from 10–25% of the amount successfully recovered. The exact percentage depends on several factors, including the age of the debt, the balance size, the complexity of the account, and whether legal action becomes necessary.
Many agencies offer tiered pricing structures where higher-value accounts receive lower contingency rates, and bulk placements may qualify for volume discounts. Some providers also offer flat-fee arrangements for very early-stage accounts or specialized services like accounts receivable consulting.
Several capable agencies serve the Brownsville market, each offering distinct advantages for businesses facing collection challenges in the Rio Grande Valley.
At Southwest Recovery Services, we are a nationally recognized debt collection agency with over 20 years of experience. We provide comprehensive accounts receivable management solutions for businesses of all sizes, focusing exclusively on commercial debt recovery across multiple industries, including oil and gas, construction, healthcare, utilities, and professional services.
At SWRS, we operate exclusively on a contingency basis, meaning clients pay nothing unless their money is recovered, aligning our success directly with client outcomes. Our approach combines ethical, compliant collection methods with professional persistence and advanced technology. Full compliance with FDCPA, FCRA, HIPAA, CFPB, and state-specific regulations is maintained throughout all collection activities.
We receive positive reviews from both business clients and consumers. Business owners praise strong collection results and transparent reporting. At the same time, consumers consistently highlight the respectful, patient approach of our staff, who are frequently recognized for creating manageable payment plans and providing prompt documentation. Reviewers note feeling treated with dignity rather than pressure, with several expressing surprise at having a positive experience with a collection agency.
The Kaplan Group specializes exclusively in business-to-business debt recovery, with particular expertise serving Texas businesses, including those in the energy sector. Founded in 1991 and headquartered in California, the firm operates on a contingency basis with rates ranging from 10% to 25% based on claim size. The agency holds an A+ BBB rating and is a member of the International Association of Commercial Collectors, with collectors who average over 10 years of experience and many holding advanced degrees.
The Kaplan Group receives positive reviews from business clients who appreciate the agency’s professionalism, communication, and fast turnaround throughout the collection process. Clients frequently praise the personalized approach and consistent updates on account status. While some reviewers note that settlements may not lead to recovery of the full amount owed, many feel the results are better than what they could achieve with internal efforts.
Mesa Revenue Partners is a commercial debt collection agency with roots dating back to 1976, offering comprehensive Texas commercial debt collection services, including third-party collections, first-party outsourcing, international commercial collections, pre-collect services, asset and liability investigations, and debt collection litigation. The agency is licensed throughout the United States and abroad, with a Texas office in Houston. Their team includes a retired commercial collections attorney as a partner, providing clients with legal strategy support without traditional hourly fees. Mesa Revenue Partners is certified by the Commercial Law League of America and endorsed by the International Association of Commercial Collectors.
Clients commend the agency’s responsiveness, thorough communication, and customized approach. They frequently mention the detailed account updates and appreciate that MRP operates on a contingency basis with no upfront fees. Reviewers highlight the agency’s ability to recover debts that had been considered uncollectible, with many noting quick turnaround times.
At Southwest Recovery Services (SWRS), we bring over 20 years of specialized B2B collection experience to Brownsville businesses dealing with overdue commercial accounts. As a Texas-based agency with 12 offices across six states, we combine regional expertise with nationwide collection capabilities, making us an ideal partner for South Texas companies serving both local and national customers.
We operate on a pure contingency basis—no upfront costs, no monthly retainers, and no fees unless we successfully recover your funds. This risk-free model means you only pay when you get paid, protecting your cash flow during the recovery process.
At SWRS, we use AI-guided tracking systems that monitor every account across all communication channels—phone, email, text, and mail. This technology ensures no promise-to-pay is missed, while daily founder involvement provides strategic oversight that automated systems alone cannot deliver.
Understanding that today’s delinquent customer might be tomorrow’s strong account once cash flow improves, SWRS veteran collectors use respectful, professional communication designed to recover funds while preserving business relationships. This approach is particularly valuable for Brownsville companies operating in tight-knit industry communities.
We prioritize sectors common in South Texas and beyond, including trucking and logistics, construction and contractors, oil and gas services, and wholesale distribution—industries where delayed payments can significantly impact operations.
For Brownsville businesses ready to convert aged receivables into working capital, we bring the expertise, technology, and personalized attention needed to improve cash flow and reduce days sales outstanding.
Any B2B company that extends credit terms to customers can benefit from commercial collection services. This includes construction contractors, trucking and logistics companies, wholesale distributors, manufacturing firms, oil and gas service providers, healthcare facilities, and professional service businesses. If you invoice customers with payment terms beyond immediate payment, you’re likely to encounter overdue accounts that require professional collection assistance.
Most businesses send accounts to collection agencies when invoices reach 60–90 days past due, though this timeline varies by industry and the specific customer relationship. Earlier intervention through pre-collection or early-out programs can actually improve recovery rates by addressing problems before accounts become severely delinquent. The key is to establish a consistent escalation policy that balances internal collection efforts with the need for professional assistance.
Professional commercial collection agencies understand the importance of preserving business relationships and use respectful communication strategies designed to recover funds without burning bridges. Reputable agencies focus on problem-solving and negotiation rather than aggressive tactics, recognizing that many payment delays stem from temporary cash flow issues rather than intentional non-payment. Many businesses find that using a third-party agency actually helps maintain relationships by removing the emotional component from difficult collection conversations.
Yes, experienced commercial collection agencies regularly handle out-of-state accounts and understand the legal requirements for multi-state collections. This capability is particularly important for Brownsville businesses with regional or national customer bases. Agencies with multi-state presence and nationwide collection networks can handle varying state regulations, time zones, and regional business practices to effectively recover debts regardless of where your customer operates.
At Southwest Recovery Services, we help Brownsville businesses convert aged receivables into working capital through professional B2B debt recovery services. With a contingency-only model, businesses pay nothing up front and only pay fees when we successfully recover funds. We combine AI-guided account tracking with veteran collectors who use respectful outreach to recover overdue invoices while protecting client relationships. Our compliance-first approach with transparent reporting on account status helps businesses reduce days sales outstanding and improve working capital management without financial risk.
Note: Recovery rates mentioned are for general reference only and not guaranteed. Actual results vary by account and industry. Contact us at Southwest Recovery Services for a customized quote.
We make it fast and easy to refer past due and delinquent accounts to our professional recovery agents. You decide the range on what you will accept on each case, and you ONLY pay a percentage of what we actually collect to resolve the case. Ready to get started, or want to learn more? Fill out this form and a dedicate account manager will call you to get started.
