Profitable Niche Debt Collections Firm

Executive Summary:

Business is a third-party debt collection agency based in the US. The company specializes in contingency-based collections with a focus on medical and utility accounts, and also serves select consumer and commercial receivables. The company delivers end-to-end recovery services including outbound and inbound calling, structured letter campaigns, skip tracing, and coordination of legal action where appropriate. Operations are predominantly on-site, leveraging the Latitude collections platform for workflow, client integration, and reporting. The business is owner-led with an experienced, licensed office manager overseeing daily operations. The company has long lasting client relationships that have been formed over many years. This deal includes the office. The office square footage is 1350. Recently renovated.

Industries Served:
Healthcare/Medical Utilities Consumer Commercial (select SMB)

Services Offered:
• Outbound Collections Calls
• Inbound Call Handling
• Structured Letter Series (1st, 2nd, and 3rd notices)
• Skip Tracing • Legal Action Coordination (as needed)
• Contingency-Based Third-Party Collections
• Client Integration and Case Management via Latitude (TEC Solutions)

Geography:
Headquartered in the US
Headcount:
5 total (including owner and 1 part-time skip tracer); primarily on-site
Revenue:
$800 K
EBITDA:
$330 K
Net Income with Addbacks
2022 - $368217
2023 - $320560
2024 - $270570 - only for April 12, 2024, through December 31, 2024, this is not including the first 3.5 months, previous owner did not share these months with current owner, estimating around $330,000 for 2024.
2025 - $400000


Additional Information:
The company operates as an S-Corp solely owned by the founder. The company holds a Non-Owner Managed license, with an experienced office manager who is licensed in collections and manages daily operations. Can be considered an absentee ownership situation if new owner is not on site. Average agent tenure is approximately 5–10 years. The office includes a call center area with 3–4 seats plus three private offices (one currently vacant); most staff work on-site, with one part-time remote skip tracer. Business anticipates improvements as it implements AI to enhance call volume and efficiency. The firm uses Latitude (via TEC Solutions), which integrates effectively with its largest client and supports the broader client base. Business development is primarily led by management, word of mouth, and leads generated through our website