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Commercial Collections

Universal Financial Systems Commercial Collection division specializes in the recovery of past due commercial debts for all industries, helping companies reduce their AR and increase their cash flow.

Our expert collectors manage commercial debts by reviewing trade contracts, analyzing the quality of the debt, understanding legal implications, and determining the collectability of past due balances.

Financial Impact

Billions of dollars are written off as bad or uncollectable debt every year, largely due to the fact that most accounting departments simply do not have the experience to handle non-payers.

Credit extensions often add to bad debt.  Your business continues to service these extended customers, while their debt increases and their chances of paying decreases.

Leaving bad debt on the books can also translate into paying unnecessary taxes on unrealized income.  While understanding the true cost of bad debt is difficult to pin down, the cost of carrying AR in general is expensive, with AR over 120 days costing over 30% of its value.

Referring this bad debt to Universal Financial Systems is completely risk-free.  If we don’t collect, you don’t pay, allowing you to refer freely with no minimums or fees.


  • Manufacturing
  • Distribution
  • Construction
  • Retail & Wholesale Trade
  • Finance & Insurance
  • Real Estate
  • And more…

Debt Types

  • Past Due Commercial Balances
  • NSF (Non-Sufficient Funds) / Bad Checks
  • Treble Damages
  • Finance Charges & Fees
  • Promissory Notes
  • Judgments
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