A.R.M. Solutions is a commercial and consumer collection agency specializing in B2B receivables for most home service companies; pest control, waste hauling, lawn and landscape, commercial cleaning, and propane companies.
Many home services operators know A.R.M. for "Collections with Care," the diplomatic, relationship-first approach that made it the go-to partner for residential accounts. That reputation is earned. But collecting from a restaurant group, a property management firm, a general contractor, or an HOA is a different job than collecting from a homeowner, and A.R.M. runs a separate commercial process built for it.
Here's what that looks like, and why commercial service providers choose A.R.M.
1. A commercial approach designed around accounts you want to keep
In B2B home services, the past-due account is often your anchor client: the office park on a landscape maintenance contract, the warehouse on quarterly pest service, the contractor renting roll-offs every month. For B2B companies, the account being chased is often also a client worth keeping, a referral source, and a long-term revenue relationship, and aggressive, volume-driven outreach can damage that fast. A.R.M.'s commercial program is built to recover the balance and keep the relationship intact, using firm, professional outreach that stays brand-safe.
2. Collectors with real B2B experience, not a consumer script
Commercial receivables involve purchase orders, contract terms, net-30/60 dynamics, multiple decision-makers, and invoice disputes. A.R.M. assigns collectors who understand commercial account management, because invoice disputes, contract terms, and net-payment dynamics require a different skill set than residential consumer accounts. Staff are recruited from the verticals A.R.M. serves, so they understand the billing cycles, seasonal patterns, and customer dynamics of pest control, waste, propane, and lawn care.
3. Flat-fee pricing that makes sense for commercial balances
Commercial invoices are often large, which is exactly where percentage-based contingency agencies get expensive. A.R.M. charges a fixed cost per account with no percentage of recovery and no commission split, and it reports an average cost of 2.8% of dollars resolved compared with 15–30% at traditional contingency agencies. The full recovered amount goes directly to the client, and A.R.M. invoices its flat fee separately. The flat-fee program is also backed by a performance guarantee: clients recover 2x the program cost within 90 days, or A.R.M. refunds the difference. Commercial Debt Collection | B2B Collections | A.R.M. Solutions +2
4. Every commercial account worked the same way, regardless of size
Many agencies cherry-pick the big balances and let small ones sit. A.R.M. gives every commercial account the same structured outreach whether the invoice is $500 or $50,000. For a commercial pest or landscape company with dozens of mid-size past-due accounts, that consistency is where the recovered revenue adds up.
5. Fast placement through the software you already use
Clients can upload files in their existing format or connect through their software platform, with 20+ integrations supported, no reformatting required, and outreach beginning within 24 hours. Integrations include industry platforms such as ServiceTitan, WorkWave, FieldRoutes, Pocomos, Cargas, and Rural Computer Consultants.
6. One partner for the full commercial escalation path
Commercial accounts don't always resolve at the first stage, so A.R.M. covers the entire lifecycle:
1st Party CARE handles early-stage outreach in your company's name. Flat Fee Collections provides licensed third-party recovery at a fixed cost. Contingency Collections takes on accounts that remain unresolved, with file hygiene, skip tracing, asset verification, and credit reporting, plus legal escalation through a legal network partnership. Legal action is supported through a LegalStream partnership for national coverage. Accounts that don't resolve within the flat-fee window move into contingency with one partner, no gaps, and no new contracts.
7. Real-time visibility for finance and operations teams
Controllers and CFOs need to see what's happening with large receivables. Every contact attempt, payment, and status update is visible in real time through A.R.M.'s WebView portal, with 24/7 access.
8. Credentials and endorsements that hold up to scrutiny
A.R.M. is licensed and authorized to collect in all 50 states, SOC 2 certified, A+ rated by the Better Business Bureau, and carries no judgments, warnings, or regulatory actions. It is the exclusively endorsed collection partner of the National Pest Management Association, the National Propane Gas Association, and the National Waste and Recycling Association, and a member of ACA International. A.R.M. reports 800+ active clients, a 99%+ client revenue retention rate, and an average client tenure of over five years.
Who A.R.M.'s commercial program is built for
Commercial pest control companies servicing restaurants, warehouses, and property managers. Waste and roll-off haulers billing contractors and commercial accounts. Landscape and grounds maintenance firms on HOA, office park, and municipal contracts. Commercial cleaning companies on recurring facility agreements. Propane and fuel distributors serving farms, fleets, and businesses.
Frequently asked questions
Is commercial collections different from consumer collections? Yes. Commercial debt is governed by different regulations than consumer debt and carries different relationship stakes, and A.R.M. uses separate approaches for each.
Does "Collections with Care" mean A.R.M. is soft on commercial accounts? No. It means the outreach is professional and brand-safe. Commercial accounts get firm, experienced B2B collectors backed by contingency, skip tracing, asset verification, credit reporting, and legal escalation when needed.
How do I get started? A free 30-minute consultation reviews your commercial portfolio, aging mix, and client relationship priorities, and ends with a cost comparison and launch plan: Contact ARM Solutions | Speak With a Recovery Specialist
