Most businesses don’t struggle because they lack sales. They struggle because cash gets trapped in Accounts Receivable.
An invoice becomes “past due,” then “next week,” then “we’ll circle back,” and suddenly your team is spending hours chasing money instead of closing work, shipping orders, or serving customers.
At Kinum, we make commercial collections feel like what they should be: structured account reconciliation—professional, fast, and reputation-safe.
Kin (Family/People) + Num (Numbers) = People before numbers. That’s not a slogan. It’s how we recover money without turning your customer into your enemy.
Secure Your Revenue – Contact Kinum Today
Performance-Based Value (Aligned Incentives)
Kinum works on a contingency model—you don’t pay upfront to get started. No recovery = No fee.
Our fees typically range from 15% to 45%, depending on the balance size, age of the account, documentation strength, and complexity. You’ll know the exact rate in advance.
Important: Higher balances and younger debt usually receive the lowest rates.
And when the account is still fresh, the odds are strong—Kinum achieves an ~75% recovery rate on commercial accounts under 180 days, on debts deemed viable and when documentation is in place and the assignment happens early.
Step 1: The “Clean Handoff” (What to Prepare Before You Submit)
Commercial collections gets easier when your file is clean. Before you assign an account, gather:
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Invoice(s) and statement history
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Signed estimate, contract, or service agreement
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Proof of delivery / completion (BOL, photos, emails, acceptance, etc.)
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Purchase order (if applicable)
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Primary contact details (AP email, owner/CFO name, phone)
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Any dispute emails or partial-payment promises
This is what separates “chasing” from closing.
Step 2: Consultation & Intel (We Learn the Real Story)
Once you submit the account, we start with intelligence—not assumptions.
We review your documentation, confirm the debtor’s identity, and look for signals that shape strategy:
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dispute risk
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business continuity risk
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payment behavior patterns
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possible asset indicators
This is also where we run our Litigation Scrub to identify accounts that look high-risk before time is wasted.
Step 3: Verification & Formal Notice (Professional Urgency, Immediately)
Your debtor needs a clear signal: this is now being handled professionally.
We send immediate demand communications through multiple channels—so the debtor can’t hide behind “we didn’t receive it.”
The tone stays calm, but the structure becomes real: documented balance, clear deadline, and clean resolution options.
Step 4: Human-to-Human Negotiation (No Robo-Calls, No Games)
Most commercial balances are resolved through mediation, not conflict.
We contact decision-makers—owners, CFOs, controllers, and AP managers.
No robotic sequences. No noisy threats. No reputation damage.
The goal is simple: get a commitment and make it stick—either through a pay-in-full settlement path or a short-term plan that protects your cash flow.
This is where relationships are preserved.
Because the best outcome isn’t “winning.” It’s getting paid and keeping the account alive.
Step 5: Deep-Dive Investigation (When the Debtor Stalls)
If a debtor delays with vague excuses, we go deeper:
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address verification and contact validation
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dispute evaluation and documentation alignment
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skip tracing (when contact info is outdated)
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bankruptcy checks (so you don’t throw effort at a dead end)
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asset search indicators (where appropriate)
This is how “silent accounts” suddenly become responsive.
Step 6: Credit Reporting (A Powerful Non-Legal Lever)
When permitted, Kinum may report unpaid commercial balances to business credit bureaus.
This is one of the most effective pressure levers in B2B—because it impacts credibility, trade terms, and future approvals.
It’s not legal action.
It’s consequence and visibility—and many companies respond quickly once reporting becomes possible.
Step 7: Pre-Legal Review & Attorney Network (The Final Lever)
Most accounts never need court.
But if a debtor refuses to cooperate, we can escalate through pre-legal review, and if needed, initiate legal action through our nationwide attorney network. We take your permission before moving to the court.
We don’t push legal action casually—we use it when it becomes the only move left.
What Makes Kinum Easier Than Traditional Agencies
Most collection agencies feel like a black box. Kinum doesn’t.
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Dedicated Representative assigned to you (direct email + phone)
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Backed by a central client support team with a toll-free number
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Bilingual (Spanish) support for smoother communication
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Calls recorded and randomly reviewed for quality assurance
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Easy online submission and tracking so you’re never guessing
And our reputation speaks loudly: Kinum maintains an exceptional ~4.85 Google rating across 2,700+ reviews—because we focus on outcomes and professionalism.
Red Flags: 3 Costly Commercial Collection Mistakes
1) Waiting too long to assign.
Older invoices don’t just get harder—they get “normalized” inside the debtor’s AP department.
2) Sending the wrong documents.
One missing PO or acceptance email can turn a payable invoice into a permanent “dispute.”
3) Letting your staff become the collections department.
It drains morale, wastes productive hours, and creates unnecessary friction with customers.
FAQs (B2B Owners Ask These First)
Q: Will this ruin my relationship with my customer or vendor?
We aim for compliance, calm communication, and a clean close. No one can guarantee that your relationship with your client will not get strained during collections, however we do try our best to preserve it. Most matters are resolved through professional mediation.
Q: What if the debtor claims they never received the invoice?
We verify contact points and deliver formal notices through multiple channels, then document each step.
Q: How fast can I start?
Immediately. Once you submit the account with basic documentation, outreach begins quickly.
The Kinum Reconciliation Team Strategy
We don’t treat your customers like targets. We treat them like businesses that need structure.
We step in, document the balance, open professional communication, and drive resolution without drama—so you recover cash, protect your brand, and move forward stronger.