Phase 1
Case intake and triage
We gather contracts, invoices, emails, and account history. Our intake questions mirror the way a seasoned collector or attorney would review the file, but in a structured and simple way.
Tech driven commercial collections
Recover serious B2B invoices without burning the relationship.
Ranch Club Capital blends commercial collections, negotiation tactics, and modern automation to help you secure payment on past due invoices while protecting your reputation in the market.
5k - 250k+
Ideal invoice range
Pre-legal focus
Structured escalation
No retainers. Clear fees only when recovery succeeds. You stay in control of every send.
Ranch Club signal
Geometric horse · Live status
Account health
Invoice cluster: Stable
Active recoveries
3 accounts in structured escalation
Services
Built to handle serious, slow paying commercial accounts.
We focus on one thing: business to business invoices that are past due, contested, or ignored. You keep doing the work you are best at. We bring structure, pressure, and professionalism to the recovery.
Pre legal collections
Dispute file prep
AI assisted research
Reputation first
Each case moves through a clear path: fact gathering, strategy, escalation, and if needed, handoff to your legal partner with a ready to use file. No call centers. No aggressive scripts that damage your brand.
Phase 2
Strategic outreach
We draft a measured outreach sequence for you to send under your name. Each message is calibrated by tone and leverage, with clear next steps and room for settlement offers.
Phase 3
Escalation and deadlines
If responses stall, we increase the pressure in a structured and documented way. Deadlines, payment plans, and final demand letters are all handled with care for your long term reputation.
Phase 4
Handoff ready file
When a case needs counsel, we provide a clean, chronological file with key facts, exhibits, and communication history so your attorney does not start from zero.
Process
A simple 4 step path from "ignored" to "paid".
Every case follows the same backbone so you are never left guessing where things stand. You get status, expected next moves, and clear options at each step.
Step 1
Case intake and signal score
You share the invoice, contract, and context in a secure intake form or brief call. We run a "signal score" that looks at age of debt, contract strength, past communication, and debtor profile to see if recovery is realistic.
Step 2
Outreach plan and first sequence
We design a custom outreach sequence with subject lines, email bodies, and call notes. You send them from your own email and CRM so your brand stays front and center.
Step 3
Escalation and settlement options
If the account pushes back or stalls, we map settlement ranges, payment plan structures, and clear final dates. You choose how firm or flexible to be. We adjust language to match.
Step 4
Resolution or legal handoff
When payment clears, we help close the loop with a clean receipt and future terms. If legal action is needed, your attorney gets a complete file that shortens their ramp time.
Industries & trust
Built for real work: agencies, consultancies, and B2B operators.
We focus on commercial accounts where one unpaid invoice can erase a month of profit. If your clients are businesses, not consumers, you are in the right place.
Creative and marketing agencies
Software and dev shops
Consultants and advisors
Freight, logistics, and B2B services
Contractors and specialty trades
Enterprise and mid market vendors
Reputation first collections.
Your brand matters. Every communication is written
as if your best client is going to read it.
Pre legal focus.
We live in the space before lawyers and courts. You
keep the option to escalate, but you are not forced
into it.
Transparent structure.
Every step is logged. You know which message went
out when, what was said, and what the debtor
replied with.
Technological western mindset.
We blend classic collections discipline with
modern tooling and a simple truth: deals get done
when you respect the people at the table.
Results
The numbers that matter: speed, recovery, and clarity.
Every business is different, but our aim is the same: get a clear answer faster. Either you get paid, get a plan, or know that it is time to move on without second guessing yourself.
| Account type | Invoice size | Outcome | Time frame |
|---|---|---|---|
| Agency retainer lapses | $28,000 | Paid in full after structured outreach | 21 days |
| Software build dispute | $62,500 | 70 percent settlement and clean offboarding | 32 days |
| Freight and logistics | $14,900 | Payment plan drafted and completed | 45 days |
FAQ
Straight answers to the first questions most founders ask.
Do you speak directly with my clients?
Our default path is that outreach is sent under your
name and domain. That keeps you in control and
protects the relationship. In some cases, we can
join calls or emails in a support role if you
prefer.
How do your fees work?
We use a structured success based fee on recovered
amounts, with clear terms before we start. There
are no retainers for standard cases. Larger or
complex matters can have a blend of flat and
success fees.
What size invoices is this best for?
We are a strong fit once the invoice is serious
enough to matter to leadership but not so large
that legal action is already active. As a simple
rule, most clients start sending us invoices in the
5,000 to 250,000 dollar range.
What if the account turns into a legal case?
If you move to counsel, we provide a clean file with
supporting documents, key facts, and a timeline of
communication. That saves billable time and gives
your attorney a strong starting point.
Is this only for United States based companies?
The core process works for most English speaking
commercial relationships, but laws differ by
region. On your first call, we will give a clear
answer on whether we can help.
Can we send you multiple accounts at once?
Yes. Some clients prefer to start with a single
"test" case. Others send a batch of accounts so
we can create a pipeline and shared reporting
across all open matters.
Contact
Show us the account. Get a grounded opinion.
Share the basics of the account, and we will reply with a simple view: what we would do next, what range of outcomes is realistic, and whether we think we are a fit for the file.