Commercial collection tools

Calculate the net. Prepare the file.

Two practical tools for your next agency conversation.

Updated October 9, 2026

Net recovery calculator Collection file checklist

01 / Compare a written quote

What reaches you after fees?

Enter a hypothetical payment and the quoted commission. Change the numbers to compare proposals.

Net to your business

$37,500.00

Recovered payment: $50,000.00
Collection commission: −$12,500.00
Separate costs: −$0.00

Payment − commission − separate costs. Commission is rounded to the nearest cent.

The starting numbers are an example, not an agency quote or a recovery forecast. Confirm how the agreement treats settlements, direct payments, additional costs, and remittance timing. These inputs stay in your browser.

02 / Assemble the account file

Give the agency something it can work with.

Check what you have gathered. The summary shows what still needs attention.

Documents and account history Agreement and payment termsSigned terms, purchase order, or the other record establishing what was agreed. Invoices and reconciled balanceInvoice dates, due dates, payments, credits, and the current amount owed. Delivery or acceptance evidenceThe documents or correspondence supporting completion and acceptance. Business identity and contactsLegal business name, address, and known owner or accounts payable contacts. Contact and payment historyA short timeline of responses, commitments, and payments. Disputes and previous placementsDocument known objections and prior agency involvement, or record that none is known.

This checks what you have assembled. The agency still needs to review the actual documents. Selections are temporary and clear when you reload; no customer records are requested or uploaded.

Read the full portfolio preparation guide

Use your numbers to compare agencies.

Bring your account summary and ask for the proposed process and complete fee schedule.

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