Southwest Recovery Services works on a contingency fee model. You pay nothing upfront and nothing if we don’t collect. Our fee is a percentage of what we recover, agreed to before we begin work. There are no setup fees, no monthly retainers, and no charges for accounts we can’t collect.
Small Business Collection Agency
SMALL BUSINESS COLLECTIONS
Small Business Collection Agency
You did the work. You sent the invoice. They didn’t pay.
That gap between what’s owed and what’s in your account is a cash-flow problem, a time problem, and a business survival problem if it happens often enough. Small businesses can’t absorb unpaid receivables the way large enterprises can. A single slow-pay client can hold up payroll. Three of them can stall growth for a quarter. A small business collection agency recovers what you are owed without putting that relationship at greater risk.
Southwest Recovery Services collects commercial debt for small businesses from our 12 offices across seven states. Commercial collections is our core business. We operate on a contingency model: if we don’t recover your money, you pay nothing.
BUILT FOR SMALL BUSINESSES
Who This Is For
You’re a good fit for our small business collections program if:
- You’re a business (not a consumer creditor) trying to recover unpaid invoices or trade receivables
- The debt is at least 60–90 days past due
- You’ve already sent reminders and made phone calls with no result
- The debtor is a business, a contractor, or a professional services client. Not a retail consumer.
- You want the account recovered without burning the relationship if possible
We work with small businesses in wholesale distribution, professional services, construction, staffing, trucking, medical practices, property management, and dozens of other B2B verticals. If another business owes you money and won’t pay, we can help.
OUR COLLECTION PROCESS
The Collection Process
Step 1: Submit the Account
You send us the basic claim information: debtor name, contact details, amount owed, and any documentation you have (invoices, contracts, correspondence). No complex intake forms. Most clients are up and running within 24 hours.
Step 2: Initial Contact and Demand
Our team reaches the debtor by phone, letter, and email. We identify ourselves as a licensed third-party collection agency working on your behalf. Commercial (B2B) claims between businesses fall outside the Fair Debt Collection Practices Act (FDCPA) That law governs consumer debt. We hold our commercial work to the same professional standard. Commercial claims are handled with direct, professional demand language. We don’t threaten. We make the cost of non-payment clear.
Step 3: Negotiation and Resolution
Many accounts settle at this stage. Debtors who ignored your calls often respond when a professional agency enters the picture. We negotiate payment in full or structured arrangements depending on the situation. Every resolution is cleared with you before we accept it.
Step 4: Escalation (When Needed)
If initial demand doesn’t move the account, we escalate. That can mean skip tracing to locate updated contact information, more frequent outreach, and referral to one of our network attorneys for legal action. All still on contingency unless litigation fees apply.
Step 5: Recovery and Reporting
When funds are collected, you receive your share minus our contingency fee. You also get reporting throughout the process so you’re never in the dark about account status.
Learn more about our full debt recovery process.
WHY AN AGENCY BEATS DIY
Why a Collection Agency Beats DIY for Small Businesses
Most small business owners try to collect in-house first. That’s the right call for 30-day-old invoices. But past 90 days, in-house collection has three problems:
Time. Your staff time is worth more than the average disputed invoice. Every hour chasing a bad debt is an hour not spent on sales, operations, or client work.
Leverage. Debtors know you. They know how persistent you’ll actually be. A licensed third-party agency is a different signal entirely. When we call, the dynamic changes.
Expertise. FDCPA compliance, skip tracing, attorney referral networks, credit bureau reporting. These are infrastructure investments that don’t make sense for one or two accounts a year. We’ve built that infrastructure since 2004. You use it on contingency. That’s what commercial collections infrastructure looks like applied to small business accounts.
There’s also the creditor reputation effect. When you consistently refer past-due accounts to a collection agency, word spreads that you enforce your terms. That changes how clients treat your invoices.
COMPLIANCE YOU CAN RELY ON
Compliance You Can Rely On
We are licensed, bonded, and insured. We operate under the FDCPA and all applicable state collection laws. We are members of ACA International.
Commercial debt collection (business-to-business claims) operates under different rules than consumer collection. There is no 30-day validation notice requirement, no CFPB Reg F dispute window, no mini-Miranda on B2B calls. But we still follow professional standards on every account: no harassment, no misrepresentation, no contact at unreasonable hours.
If you’re a small business and you’re not sure whether your claim is commercial or consumer, tell us when you submit. We’ll route it correctly.
A LOCAL COLLECTION PARTNER
We’re Local Too
We operate offices across seven states. Small business owners in Texas, Ohio, Oklahoma, and beyond can reach us at a regional office, not just an 800 number.
- Addison collection agency (HQ: 16200 Addison Road, Suite 260, Addison TX 75001)
- Dallas collection agency
- Houston collection agency
- Austin collection agency
See our full locations directory for offices near you.
RECOVER WHAT YOU ARE OWED
Recover What You’re Owed
You built a business. You extended credit in good faith. When a client doesn’t pay, you shouldn’t have to absorb the loss or spend weeks chasing it yourself.
Southwest Recovery Services has collected commercial debt for small businesses since 2004. No recovery, no fee. If we don’t collect, you don’t pay.
Call us at (800) 282-3197 or submit a claim online. One of our recovery specialists will review your account and tell you straight whether we’re a good fit.
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We recover debt for businesses from our 12 offices in Texas, Colorado, Oklahoma, Missouri, Ohio, Florida, and Georgia. We manage collections so you can focus on running your business.