Free commercial collection tool
Commercial Collection Decision Kit
Compare the proposals. Prepare the file. Give your team a clear decision to make.
Free · No signup · Works in your browser
Same account. Three written proposals.
A low commission tells you only part of the story. Compare the money you would receive and the terms that control the work.
- Enter a payment scenario for each proposal.
- Record the agency's written terms.
- Download the workbook to prepare the account file.
01 / Compare the money
What would each proposal leave you?
Use the same payment for a fee-only comparison, or different amounts to test your own assumptions. These amounts are scenarios, not agency recovery predictions. Enter zero for a confirmed zero cost; a blank means the amount is missing.
02 / Compare the agreement
Four answers to get in writing.
Record the actual contract terms. A proposal with a higher net in your scenario is not automatically the agency most likely to recover the account.
| Terms to compare | Proposal 1 | Proposal 2 | Proposal 3 |
|---|---|---|---|
| Direct paymentsIs commission due if the customer pays us directly? | |||
| Settlement authorityWho approves a discount or payment plan? | |||
| RemittanceWhen are cleared funds paid to us? | |||
| Legal escalationWho approves it, and which costs are separate? |
View the plain-text summary
Entries stay on this page and clear on reload. Copy saves a summary to your device clipboard. The downloaded workbook starts blank; web entries do not transfer into it.
03 / Prepare the account
Send enough history to get a useful answer.
Use the workbook's account worksheet to record the balance, due dates, dispute, payment history and prior collection attempts. Keep the supporting documents in your own secure files.
Read the portfolio handoff guideBefore you request a proposal
- Reconcile payments and credits.
- Identify the exact customer business.
- Separate disputed and undisputed amounts.
- Flag previous agency or attorney involvement.
- Choose who approves settlement and legal costs.
Build your shortlist around the account.
Our comparison now includes published fees, eligibility, client reporting and questions to confirm with each provider.
Compare the top five agenciesUnderstand commission and separate costs