A smarter, faster, more innovative way to manage your cash flow

ARMA is not your typical debt collection agency. We’re one of Australia’s fastest growing financial support service providers and part of the only ASX-listed fintech that specialises in full lifecycle recoveries
ARMA Homepage

Preferred supplier to

Australia’s major government procurement partners

And the receivables management provider of choice to over 1,000 Australian organisations within the banking and finance, energy and water, health, education, infrastructure, insurance and telecommunication sectors.


Our multi-hybrid collection strategy gives you the best of both worlds

At ARMA, we bring together award-winning technology with our 100% Australian-based team of Customer Solutions Specialists to deliver the best outcomes for you and your customers.


Today’s customers want to be able to control their finances themselves using self-service tools that are easy to use and available when they need it. They want to be able to find information, propose solutions and manage their payments at their convenience at any time of the day that suits them best, and in a format that gives them complete control. With us they can.


Our approach respects your customers and the relationship they have with you.

We promote quality engagement and conversations with your customers to manage their repayment obligations in the short term, and build on the foundation of trust and integrity to retain them for future business.


Combining the best parts from the traditional law firm with everything you have come to expect from a modern practice.

Our inhouse legal firm has a national presence with strong values matched by a commitment to investing in the latest technology.

We’re part of the ASX-listed
Credit Clear Limited group of companies.

ARMA is part of Credit Clear Limited – the only ASX-listed fintech (ASX: CCR) that specialises in end-to-end receivables management. With a tech development hub, multiple nationwide collection and communication centres, a specialist field services division and inhouse law firm – all based in Australia – our business is structured to offer a seamless transition through the debt cycle.

We’re inviting you on our journey to become leaders in best practice debt recovery.

Improve Your Recovery Rates

Create Customers For Life

Better Customer Insights

Reduce Your Cost To Collect

Protect Your Brand

Plug And Play

Helping Vulnerable Customers

Improve your recovery rates

Giving your customers the choice of how they want to engage with us and manage their debt, means faster resolutions, improved recovery rates and supercharged cash flows.

Create customers for life

Optimising the customer journey improves retention by reducing churn and significantly increases customer satisfaction. NPS is the new standard for debt recovery. Ours is unmatched.

Get better customer insights

Real-time activity dashboard allows you to view the digital paper trail created on each of your customers and see their activity and engagement.

Reduce your cost to collect

Allowing customers to self serve through our digital platform can replace expensive outbound communications and is proven to significantly reduce inbound call volumes.

Protect your brand

As a fully licenced, insured and accredited collections agency, you can rest assured your reputation is in good hands.

Plug and play

Choose any individual service component (digital, collections, legal services) to complement your internal processes or select a full lifecycle strategy.

Leading the vulnerability space

We take hardship and other customer vulnerability seriously – so much so we have trained all our operators to be able to identify, and support those customers that are facing difficult times – we also have a dedicated vulnerability team called ARMA Assist.

See what our clients are saying about us.

The collections results and recovery rate performance has far exceeded our expectations delivering higher than forecasted cash collections by $39 million and a P&L benefit of over $27 million.

ARMA have drawn on their extensive experience in the education industry and understands the complexities that face Government agencies. They have been extremely proactive in offering suggestions on how to improve the operational, reporting requirement and system enhancement in particular to find efficiencies and ultimately to enhance the customer collection experience.

ARMA have been able to deliver such higher collection results and outcomes while maintaining respectful engagement and providing a high degree of customer assistance.

I could not recommend a better supplier to consider doing business.

The monthly portfolio was analysed and additional work was given to whichever agent had the best collection rates in a month. ARMA were always awarded more work as they continually surpassed our collection expectations.

Book a consultation

Our team is happy to answer your sales questions. Just fill out the form and we’ll be in touch.

Let us know the best time to get in touch and one of our team will give you a call.