Blue Flower

What are your Accounts Receivable Worth?


If you have past due debt sitting on your books not paying you anything, essentially at this moment they are worth zero.

That is where we come in!

Whether you have used a collection agency and they have squeezed out all of the money they can from your non-paying accounts, or you would rather not have to deal with the hassle of dealing with another vendor and want a one stop shop to get the most out of your AR with the least amount of work, we can help.

The question is, what are your accounts worth?

Several factors will affect the value of your receivables:

1) Type of account

2) Age - How delinquent is it

3) Documentation 

4) Prior Collection Activity


We only buy charged off accounts.  We do not do what is known as "factoring" where we buy accounts in good standing that are paying you.


As a general guideline., your accounts could range in value from older accounts that have little to known time left for credit reporting, that have already been through one or more collection agencies, are from a low collection recovery type client, and have little to no documentation from .1 to .25 cents on the dollar, to accounts with full documentation, between 6-12 months delinquent, and never at a collection agency going for 2 to 5 cents on the dollar*.   To put that into numbers, for each $100,000 in charged off accounts sitting on your books you could get between $200 to $5000 as a general range.

Once we have all of your due diligence information we will review it to come up with a bid.


* This pricing is given only as an example, not a guarantee of any bid amounts for your specific accounts.  Bids could be higher or lower than this range, should a bid be made.

The Definitive Guide to selling your accounts receivable portfolio for Retiring Doctors and Dentists


You have made it to the promised land, retirement.

You have plenty to do as a physician to close or sell your practice.

What about your accounts receivable?  

Instead of worrying about having to follow up with a collection agency in retirement or answer questions and chase paperwork on disputes, we offer a solution to provide you a lump sum of cash for them.  We take over the responsibility of resolving the debts and dealing with any issues that arise so you can enjoy the next stage of your life.


An Easy Process

The process if selling your past due accounts to us is straight forward.   You will provide us with a list of the accounts with balance due, service date, and other general information which we will review.  We do not need patient information for this part of the process.

We will then provide you with a bid for the accounts.  Upon final price agreement we will provide you a contract for the purchase.   You can run this by your attorney for review before signing the dotted line.

From there we fund the purchase usually via bank wire transfer.  Finally, you will provide us the full list of accounts, like you would a collection agency.  A breakdown of charges or last statement provided with the electronic file will allow us to answer all questions and disputes on the charges in the future so you can sit back and enjoy your retirement.


How to get started

This part is easy, just get a list of your accounts together, and contact us!  Your collection agency should be able to provide you with an active list of accounts and current balance with the date of service if you request.  Alternatively, your bookkeeper should be able to put this together for you.

We purchase a wide range of accounts.

We purchase portfolios of debt from many different industries.   We work with medical clients, student housing clients, loan companies, auto lenders, and many others. 

We purchase portfolios from direct from the issuer with no agency work, to accounts that have already been through the collection process.

We purchase accounts that defaulted yesterday, to accounts that defaulted 7 years ago.





What if I have a few past due accounts, or a judgment against someone?

Capital Asset Management does not generally buy individual debts or very small pools of debts.  Your best bet with accounts that small are local collection agencies or attorneys. As a buyer of non-paying past due accounts, the most we will pay you are single digit cents on the dollar in the best of cases.   


How to get the most out of your accounts receivable


The more information you have about what is owed to you and the person who owes it, the more your accounts will be worth.


Things to get together:

(1)  An Excel sheet listing each debt.   This should have as much information such as the persons name, address, phone number, email address, Date of origin of the debt, date of last payment, date charged off, the balance at charge off and any other information that will be helpful in contacting and collecting the debt.  The initial file we review can have personal information such as the street address, last name, and SSN Masked, by simply putting a YES or NO in the columns where that information is available or not.

(2) Paperwork or PDF files.  These should include any contract, or admission form, any payments that were made, a last statement you sent to the person who owes you money. Many types of accounts, like deficiency balance auto, will require much more documentation to validate the debts.  Initially one or two samples will be needed for us to review the files, You will have up to 30 days to assemble the rest once the deal closes.

(3)  Account history.   What has been done to collect the accounts, from internal only collection attempts, to collection agency and/or collection attorneys.

That will get us started.   If you have these together and you are ready to sell, please email Rob Geer at This email address is being protected from spambots. You need JavaScript enabled to view it. 





There are two main types of accounts receivable, as far as the servicing industry is concerned:

Consumer and Commercial.


Commercial is Business to Business debt. 

We do not handle this type of debt, but we may be able to give you a direction to look if you would like.


Consumer is Customer to Business debt.

This can be anything from local loan companies and banks, to medical practitioners, technical schools, student housing companies, and many other businesses.



Paying accounts versus non paying accounts


Paying accounts are generally sold in a fashion that is called Factoring.   This is not something we do.


Non paying accounts are generally accounts that either are not paying your company, or if you have used a collection agency or attorney, are not paying them.  A common term for this debt is Charge Offs.   These will be further categorized by the number of agencies they have been to, among other things.