Summit A•R — Effective Commercial Collections
Recover lost revenue without alienating your clients.
Helping cash flow since 1996.
- Relationship-first collections: Preserve Human Dignity (P.H.D.) on every account.
- Pro results, zero drama: Trained, licensed recovery pros with 10+ years of experience.
- Deep skip tracing: In-house team led by a licensed private investigator.
- Trusted and compliant: No-complaint policy with an A+ BBB rating.
- Transparent from day one: 24/7 client portal for status, placements, and reports.
- Focused expertise: A dedicated division handling nothing but commercial collections for 25+ years.
“Trusted by finance, manufacturing, healthcare, logistics, SaaS, and more.”
Why Leading Businesses Choose Summit A•R
As a commercial collection agency, we recover what is owed while protecting the goodwill you have built. Our approach replaces pressure and threats with a proven, respectful process that gets paid while keeping doors open for future business.
Relationship-Safe Collections
No unethical or aggressive tactics
We do not use harassment or intimidation. Your brand and reputation stay intact.
Pros who know your world
Our collectors average 10+ years in B2B recovery across many sectors and debt types.
Skip tracing that finds decision makers
A licensed PI leads our skip-tracing team to verify contacts, locate principals, & surface assets.
Results that matter
We’ve recovered many millions for employers of all sizes. Our recovery rates are often nearly double the industry average.
Proven and complaint-free
Our no-complaint policy is reflected in our A+ BBB rating.
Always-on visibility
Use the secure client portal to place new accounts, track progress, and download custom reports anytime.
Our Step-by-Step Process
Step 1 — Onboarding & Account Review
We learn your goals, credit policy, debtor profiles, and acceptable terms. We align on tone, timelines, and reporting.
Step 2 — Verify, Locate, and Prepare
We validate balances, documents, and contacts. Our PI-led team completes skip tracing where needed.
Step 3 — Diplomatic Multi-Channel Outreach
Phone, email, and mail sequences begin the same business day in most cases. We keep it respectful, persistent, and documented.
Step 4 — Negotiate, Document, & Secure Payment
We work toward payment in full or structured plans, then manage follow-ups, reminders, and confirmation.
Step 5 — You Approve, We Remit
You stay in control of settlement parameters. Funds flow and records are updated in your portal.
“You will have full transparency throughout the entire process.”
Our Step-by-Step Process
Step 1 — Onboarding & Account Review
We learn your goals, credit policy, debtor profiles, and acceptable terms. We align on tone, timelines, and reporting.
Step 2 — Verify, Locate, and Prepare
We validate balances, documents, and contacts. Our PI-led team completes skip tracing where needed.
Step 3 — Diplomatic Multi-Channel Outreach
Phone, email, and mail sequences begin the same business day in most cases. We keep it respectful, persistent, and documented.
Step 4 — Negotiate, Document, & Secure Payment
We work toward payment in full or structured plans, then manage follow-ups, reminders, and confirmation.
Step 5 — You Approve, We Remit
You stay in control of settlement parameters. Funds flow and records are updated in your portal.
“You will have full transparency throughout the entire process.”
What Clients Say
Summit A•R vs. Typical Collection Agencies
| Feature | Summit A•R | Typical Agencies |
|---|---|---|
| Preserve relationships (P.H.D.) | Yes | Not consistent |
| No-complaint policy, A+ BBB rating | Yes | Varies |
| Licensed PI-led skip tracing | Yes | Rare |
| Collectors with 10+ years average experience | Yes | Varies |
| Transparency via 24/7 client portal | Yes | Limited |
| Aggressive or harassing tactics | No | Sometimes |
| Recovery rates vs. industry | In most cases nearly 2x | Industry average |
The Summit P.H.D. Commitment
Preserve Human Dignity is our operating system. Even in tough cases there is a person on the other end. Treating people with dignity increases cooperation, improves recovery, and protects your brand.
Beyond Commercial Collections
Book Your Call Today
FAQ
Simple, transparent terms. You pay for a quality service that scales with your needs. We will scope a plan on the call.
Yes. We align on tone, terms, and escalation paths during onboarding.
We exhaust professional, compliant recovery steps. If legal options are appropriate, we outline choices and costs so you stay in control.
Yes. Our relationship-first approach helps you resume business where appropriate.
P.H.D. philosophy, no-complaint policy with A+ BBB rating, licensed PI-led skip tracing, experienced staff, and full transparency.
Engagements are designed to be flexible. We will walk through options on the call.
Yes. We work across the U.S. in sectors like manufacturing, logistics, healthcare, and SaaS.
Past-due invoices, complex B2B balances, multi-site placements, and aged receivables.
Your portal shows account status, activity logs, notes, and reports 24/7.
- 12201 Champlin Dr. Champlin MN 55316
- Monday to Friday 7:00 a.m. to 7 p.m. CST. Closed Saturday and Sunday.