Closed claim files with recoveries never pursued. Contract rates, escalators, and accessorial charges earned but never invoiced. Vendors overpaid and never reconciled. Receivables aging toward worthless. Every operating business leaks money at the seams of its own records — and those rights expire on state statutes of limitations whether anyone works them or not.
We audit the records, identify what is still recoverable, and collect it. On contingency. No retainer, no disruption to your operation.
We work with operators whose money hides in claim files, customer contracts, and payment histories — and with the risk managers and CFOs who answer for those numbers. Sectors we know from the inside:
Our founding specialty. Self-insured and large-deductible fleets of roughly 100 power units and up — plus distribution, food, construction, and industrial operations running their own trucks. Two pools of money: the subrogation and contribution recoveries sitting in closed claim files, and the detention, accessorials, and fuel-surcharge revenue your rate confirmations entitled you to but nobody invoiced.
Multi-year client agreements with bill-rate escalators and markup uplifts that were negotiated once and never invoked. The leak compounds every pay period the old rate ships on the invoice.
Per-seat and per-device agreements with annual uplift clauses, true-ups, and out-of-scope charges billed at signing rates for years. Recurring contracts leak recurring money.
Storage escalators, fuel-surcharge formulas tied to indexes nobody re-checks, and accessorial schedules that never make it from the contract to the invoice.
Janitorial, uniform, waste, and maintenance operators on multi-year service agreements with CPI clauses — the most commonly skipped billing term in commercial contracting.
Tiered-volume pricing, collection-percentage escalators, and per-provider fees that drift from the executed agreement as client rosters change.
Each engagement works from records you already have or are entitled to, and none interrupts your operation. Most are structured so you pay from what is recovered — not from a retainer.
When your driver wasn’t at fault, the at-fault motorist’s insurer owes you the repair bill you paid within your deductible. When a shipper’s crew loaded the trailer and the load failed, the shipper owes you the cargo claim you absorbed to keep the customer. When a co-defendant underpaid its share of a settlement you funded, contribution is owed.
These recoveries exist in nearly every fleet’s closed files — and the parties handling your claims have limited incentive to chase them. A TPA administering claims inside your deductible is not paid on what it recovers for you, and its subrogation performance is rarely measured. We measure it. Recovered dollars pay a fleet twice: once as cash, and again as credits against your loss runs — which feed your experience rating, your collateral negotiations, and your renewal pricing.
Your contracts almost certainly promise you more than your invoices ever asked for. Rate escalators negotiated and never invoked. Discounts that expired years ago and are still being applied. Detention, accessorial, and per-occurrence charges earned on paper and written off in practice. Fuel-surcharge formulas tied to an index nobody has re-checked since the contract was signed. Minimum commitments never trued up. The agreement was negotiated once; the billing system has been repeating the old numbers ever since.
We reconcile what your executed contracts entitle you to bill against what your invoices actually billed, clause by clause and period by period. Each finding comes documented — the contract citation, the arithmetic, the invoice trail — so the correction can be presented to your customer as a matter of the agreement you both signed. Most engagements resolve as corrected rates going forward plus a negotiated look-back, and because each underbilled invoice generally carries its own limitations period, even long-running contracts hold a live multi-year tail. What the audit surfaces, our receivable recovery work can collect.
The same audit discipline, pointed at your disbursement history. High-volume payables operations leak money in predictable ways: invoices paid twice under different vendor identities, vendor credits issued but never applied, deposits never returned, contract pricing never reconciled against what was actually billed. We audit your payment history against vendor records and recover the difference.
When a customer takes the goods or the service and doesn’t pay, the receivable is an asset that loses value with every month it ages. We pursue past-due commercial accounts on the same discipline as the rest of our work: documentation review, demand, negotiation, and — where the balance justifies it — the investigation that tells you which accounts are actually collectable before money is spent chasing them.
This is creditor-side, business-to-business work: vendor to business, supplier to practice, contractor to owner. We do not collect consumer debt. Because the obligor is a business rather than a consumer, the work sits outside consumer-collection law, which gives a creditor more latitude in how an account is worked. We confirm who actually owes the money — the operating entity, an individual principal, or a guarantor — verify the documentation supports the balance, and pursue payment or a structured settlement.
Some of your recoveries run against uninsured or underinsured motorists, defunct counterparties, and debtors who would rather not be found. Fifteen years of civil financial investigation — asset profiles, corporate structure tracing, open-source intelligence — tells us which of those are collectable before anyone spends money pursuing them, and supports collection on the ones that are.
Every structure keeps our economics tied to the dollars we return to you — not to billable hours.
Our standard structure. We advance our own costs and take a defined percentage of what is actually recovered. If a file produces nothing, it costs you nothing.
For fleets that want the picture before committing: a fixed-fee review of program structure and loss runs, producing a sizing report on the addressable inventory. Credited against contingency fees if the engagement proceeds.
On receivable placements we’ll work flat-fee, per-account, or on a monthly retainer for the demand and verification work — with a modest success fee on what is actually collected. The mix flexes to the size and age of the accounts.
We will also tell you when there is nothing to find. If your TPA has been working subrogation properly, the audit proves it — and that answer is worth having too.
We are paid from recoveries, not retainers. Nobody else touching your claims is compensated that way.
The deliverable is recovered dollars and corrected loss runs, not a memorandum recommending that someone else do the work.
Self-insured retentions, large deductibles, fronted paper, MGA-administered programs: we work inside these structures daily, and we know where recovery rights sit in each layer.
We don’t place insurance and we don’t administer claims. We audit one measurable function — recovery — and work alongside the parties already at the table.
Every file gets a statute-of-limitations date and a disposition. The audit’s first deliverable is the list of what is about to be lost.
To discuss your program, reach out by phone or email. We respond within one business day. Engagements accepted nationally.