Our AR management programs fit B2B companies that invoice on terms and in volume: businesses with recurring billing cycles, growing companies whose receivables have outpaced internal capacity, and finance teams too small to run consistent follow-up. If a meaningful share of your revenue sits in invoices 15 to 90 days old, a program will usually pay for itself. For vertical-specific detail, see our industries pages.
Accounts Receivable Management Services
ACCOUNTS RECEIVABLE MANAGEMENT
Full-Cycle AR Management on Contingency
Most businesses don’t have a cash flow problem. They have a collections problem. The money is owed. It is just sitting in someone else’s accounts payable queue. We close that gap. At Southwest Recovery Services we manage the full accounts receivable cycle for B2B companies: invoicing follow-up, statementing, early-out outreach, dunning, and third-party escalation. All under one engagement, all on contingency.
We have been doing this since 2004, we are a member of ACA International, and we serve commercial clients through our 12-office footprint. If your receivables are aging faster than your team can work them, this page explains exactly what we do about it.
Businesses outsource accounts receivable services to us for end-to-end receivables management. Our accounts receivable outsourcing and AR collections cover everything from invoicing to recovery, and we provide healthcare accounts receivable management for medical providers. When you outsource AR to our team, your outsourced accounts receivable is handled start to finish, with outsourced accounts receivable services that turn aging invoices into cash.
WHAT AR MANAGEMENT IS
What Is Accounts Receivable Management?
Accounts receivable management is the ongoing work of turning invoices into cash. It starts the moment an invoice goes out and ends the moment payment posts to your account. Everything in between is the AR cycle: payment terms, reminders, statements, follow-up calls, dispute resolution, escalation, and final payment.
It is not a one-time placement. When you hand a single past-due account to a collection agency, that is a transaction with a defined end. AR management is an operating function that runs continuously across your entire book of receivables, week after week.
When you outsource that function to us, we run it end to end. We handle invoicing follow-up and statementing on a set cadence, work accounts in the early-out window before they harden, run a disciplined dunning sequence, and escalate to third-party collections only when an account truly needs it. You keep full visibility the entire way: every account, every stage, every month.
AR MANAGEMENT vs COLLECTIONS
How AR Management Is Different From Debt Collection
This is the question most buyers ask first, and the difference matters.
Debt collection is reactive. You have a specific past-due account, or a portfolio of charged-off balances, and you need someone to recover it. That work usually begins after an account is 90 or more days past due. It is a one-time placement with a defined end: recover the money, close the file.
AR management is operational. We engage with accounts in the 15 to 90 day window, while they are still live customer relationships, and we keep working the full cycle for as long as the program runs. The goal is not just recovery. It is keeping receivables current, lowering DSO, and making sure fewer accounts ever reach hard collections at all.
Tone is the other difference. Early-cycle outreach is service-oriented, so the customer relationship survives the process. We provide both services. Many clients start with a collection placement to clear a backlog, then move to a full AR program so the backlog never rebuilds.
What We Handle
What AR Management Outsourcing Includes
AR management is not a single transaction. It is an operating function we run for you, covering everything between the invoice and the payment. Each piece below runs on a cadence you approve, with reporting that shows you exactly where every account stands.
Invoicing Follow-Up & Statementing
We contact your customers on a set schedule from the moment an invoice goes out. Courtesy reminders before the due date, balance confirmations after it, and regular account statements that keep every balance visible and every status undeniable.
Early-Out Program
Accounts in the 15 to 60 day past-due window get focused attention before they age into hard collections. This is the highest-recovery stage of the cycle, and we work it deliberately so fewer accounts ever cross the 90-day line.
Explore our Early Out Program →Dunning & Escalating Outreach
We run a disciplined sequence of escalating notices, calls, and written demands. Every step is documented, every response or non-response recorded, and each escalation applied at the right time, so your customers see one consistent, professional process.
Third-Party Escalation
Accounts that do not resolve through early-stage outreach move to our third-party collection team: firm contact, commercial credit bureau reporting, pre-legal demand, and litigation management when warranted. You approve escalations, and we handle them start to finish.
See our Debt Recovery service →Ready to outsource your full AR cycle?
Get a Custom AR Quote \xe2\x86\x92WHO BENEFITS
Who Benefits From Outsourced AR Management
The companies that get the most out of outsourced AR management share a business model, not an industry. They invoice on terms, they invoice in volume, and the receivables function has outgrown the team running it.
- Recurring invoicing on net terms. Every billing cycle adds new accounts to follow up, and the follow-up never quite keeps pace.
- Growth that has outpaced the finance team. Aging is rising not because your customers got worse, but because volume outran your process.
- High invoice volume with thin AR staffing. Nobody owns follow-up past the first reminder.
- Small finance teams wearing too many hats. Collections is always the task that slips to next week.
If that sounds like your business, we should talk. For vertical-specific detail, explore the industries we serve.
DSO & CASH FLOW
DSO Reduction and Cash Flow Impact
Days Sales Outstanding is the simplest measure of AR health. Every day of DSO represents a day’s worth of revenue sitting uncollected. For a company doing $5 million annually, one day of DSO equals roughly $13,700 in tied-up cash. Reduce DSO from 55 days to 40 and you free up approximately $205,000 in operating cash, with no new revenue required.
Our AR management programs lower DSO through one mechanism above all: compressing the 30 to 60 day cohort. We intercept accounts early, before they become problem accounts. We apply the consistent dunning pressure that in-house teams rarely have the bandwidth to maintain. And we escalate on schedule instead of on memory, so nothing sits untouched while it quietly ages.
Fewer accounts age, the average collection window shortens, and cash arrives sooner. You can see the effect directly on your aging report within the first few cycles. For tactics your own team can apply today, read our guide on how to reduce DSO.
See how much working capital a lower DSO could free up.
Talk to an AR Specialist \xe2\x86\x92HOW PRICING WORKS
How Outsourced AR Pricing Works
We price AR management on contingency. We charge a percentage of what we collect, and nothing on what we do not. There is no monthly retainer, no per-contact fee, and no upfront cost to start a program.
The contingency rate depends on a few factors:
- Stage of placement. Early-out accounts carry a lower rate than hard-collections accounts. The earlier we engage, the better your economics.
- Average invoice size. Larger balances typically carry lower percentage rates.
- Industry and dispute complexity. High-dispute environments carry modestly higher rates.
- Volume. Ongoing programs with steady placement volume earn better pricing than one-time placements.
We put the full rate schedule in writing before the engagement starts, so you know exactly what each stage costs before a single account is worked. No surprises, no fine print, and no fee unless we collect.
No retainer, no upfront cost \xe2\x80\x94 you only pay on what we collect.
Request Your Rate Schedule \xe2\x86\x92Related Articles
OUTSOURCE YOUR AR
Put Your Receivables Back to Work
Your receivables should fund your business, not someone else’s. Tell us what your aging looks like, and we will show you exactly what a full-cycle AR program can do for it.