LIVE MODEL
Monthly Placements
—
accounts placed/mo
SS Active Accounts
—
unpaid accts in flight
Collections / Cohort
—
projected collections
SS Cost / Month
—
steady-state all-in
Break-Even Rate
—
% of collections
Rec. Fee Rate
—
incl. target margin

Enter your assumptions across the 6 sections below to calculate your first-party collections pricing estimate. The metrics above update live as you adjust inputs.

Scenario Identity
1 · Pricing Target?Enter your target Profit Margin and Market Cap — the maximum contingency rate the market will bear.
2 · Placement Volume & Type?Define placement segments with account count, placed balance, and liquidation rate. Choose Forward Flow (monthly placements) or Spot Placement (one-time batch).
Placement Type
Monthly placements — accounts placed every month, full ramp-up to steady state.
Segment Name # Accts
/Mo		 Accts/
Guarantor		 $ Placed
/Mo		 Avg
Bal		 Liq.
%		 Net
Recv/Mo
Total —— —— ——
3 · Placement Term & Collection Curve?Set how long accounts are worked and how collections are distributed across that period. The curve must sum to 100% and drives cost weighting across active accounts.
—
Month in Placement % of Total Collected Cumulative %
Adjust the curve to match expected recovery timing. Must sum to 100%.
4 · Outreach Obligations (per Account)?The selected workflow defines outreach activity and cost per account per month. Costs are only applied to unpaid accounts still in the working stage.
5 · Skips & Scrubs?Skip Tracing: cost to locate patients with bad contact info, applied as a % of new monthly placements. Scrubs: periodic hygiene checks on a % of accounts at a cost per account screened.
Scrubs
Total scrub cost / mo: —
6 · Call Volume & Direct Labor?Define inbound connects per account per month and agent connect capacity. Supervisor and admin headcount scale dynamically with agent count and active accounts.
Call Volume Assumptions (per Account / Month)
Agent Capacity & Cost
≈ —
Cost/connect = —  |  Agents needed — Mo 1: —  â†’  SS: —  |  SS Agent Cost / Mo: —
7 · Fixed Overhead?Non-outreach, non-labor costs per account per month. Covers technology, compliance, facility, and other operating costs allocated across active accounts.
—
8 · Payment Processing?Payment method determines what percentage of collections flow through agency systems. Processing fee applies only to agency-processed payments.
—
Fee applies to 40% of collections processed by agency × 2.0% fee = — effective rate
9 · Referral Fee?Percentage of monthly agency revenue paid to referral partners. Applied to gross revenue before calculating net profit.
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Annual Summary
Single Cohort — Placement Term View
Monthly P&L — Month by Month from First Placement

A new cohort is placed each month. Revenue reflects collections from all active cohorts per the collection curve. Costs apply to all actively-worked accounts. Green rows = Steady State.

Recommended Contingency Rate
—
—
SS Revenue / Mo
—
—
SS Cost / Mo
—
all-in
SS Profit / Mo
—
—
Cost / Active Acct
—
per month
Steady-State Monthly P&L by Segment
Cost Waterfall (Monthly)
Segment Economics at Rec. Rate
Break-Even Rate
—
min contingency %
Recommended Rate
—
—
SS Profit / Month
—
—
Cap Headroom
—
—
Pricing Recommendation
—
Test a Contingency Rate
Contingency Rate 18.0%
SS Revenue/Mo
—
SS Cost/Mo
—
SS Profit/Mo
—
Margin at this rate:
—
Full Cost Breakdown
—
Break Even
—
Rec Rate
—
Manual Fee Rate
%

Green = profitable · Red = loss · Gold = current assumptions. All figures show steady-state monthly net profit.

Blended Collection Rate × Contingency %