LatestMarket Insights·
The Fed Just Reversed Course.
A higher prime rate makes receivables gaps more expensive to bridge while cost pressure gives customers another reason to pay later.
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Inside commercial collections.
Analysis of the systems, decisions, data, and outcomes that shape commercial receivables.
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Article Archive
09 / 16- 02Market InsightsMarket Insights·
Business Bankruptcies Just Hit Their Fastest Pace of the Year
Business bankruptcy filings are accelerating, especially among smaller companies. The first warning often appears in payment behavior long before it reaches a court docket.
- 03WhitepaperWhitepaper·
The 30-Day Tipping Point
Why Small-Business Late Payments Are Surging in 2026 — and How Professional Collections Turns Overdue Invoices Back Into Cash
- 04Decision GuideDecision Guide·
Sell the Receivable or Place It for Collection
A debt buyer purchases the receivable and collects for its own account. A collection agency works it on placement while the creditor keeps the economic interest. The difference is ownership, control, timing, and what the account still asks of your team.
- 05FundamentalsFundamentals·
What Is a Trust Account? How Collection Agencies Handle Client Funds
A collection agency tells you your money is in its trust account. Here is what that account is, why agencies use one, and what the separation actually changes.
- 06ProcessProcess·
Where the Accounts Receivable Collection Process Breaks Down
Companies with disciplined follow-up still lose money on receivables, because information breaks down at the handoffs between systems and between organizations.
- 07PerspectivePerspective·
Collection Agency Fees and Rates for Commercial Debt
Commercial collection agency fees commonly run from 15% to 45% of recovered funds. The account and the result matter more than the quoted percentage alone.
- 08Accounts ReceivableAccounts Receivable·
How to Turn the Vital Warning Signs Checklist Into an AR Early Warning System
Breaking terms. Going quiet after acknowledging a balance. The checklist gives those behaviors names. This is how you turn the names into rules that fire whether or not anyone remembers to look.
- 09PerspectivePerspective·
When to Escalate an AR Account to Collections
The 30/60/90-day handoff question: at what point does sending another reminder stop being the right move? Here is a practical framework for the accounts your automation left unresolved.
- 10PerspectivePerspective·
Why AR Automation Will Never Replace Commercial Collections
HighRadius and Billtrust are not replacing the collection industry. They handle accounts that are still inside the normal payment relationship. When a customer decides not to pay, the software has already done its job.