About Us

Commercial Collections Services Based in Minneapolis

The Collection Dept. is B2B AR collections company that tailors cost-effective engagements to where, when, how, and for how long you need the most impact. Whether you need a team, or want to strengthen your existing team, we’ll put decades of experience to work delivering results that replace your stress and strain with confidence and control.
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Leadership Team

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Cathy Sedacca
CEO & Cofounder
612.802.1784
Cathy spent 25 years in the finance industry where she provided accounts receivable and inventory financing for companies facing cash flow problems. Most notably she co-founded Sage Business Credit in 2013, an accounts receivable and inventory finance company. Outside of work, Cathy enjoys spending time with her husband and 2 adult daughters.
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Al Sedacca
COO & Cofounder
651.492.4592

Al has perfected the art of collections through 20 years of experience. He has worked in companies both large and small, public and private, and in a variety of industries. He is a player-coach who believes in having fun while getting things done. Outside of work, Al enjoys spending time with his family, traveling — including regular trips back to his home state of California — and seeing live music.

Frequently Asked Questions

What's the difference between fractional A/R and a traditional collections agency?

Most traditional collections agencies typically take a commission — 25-50% of what they recover — and operates outside your system on their own timeline. We do the same job (recover cash on invoices you’ve already earned) but work inside your existing A/R platform, on a flexible retainer, without damaging the customer relationships your business depends on. We’re also not incentivized by what we collect, which changes the approach entirely. We focus on identifying the obstacles blocking payment and resolving them in a way that protects relationships with customers

Will we have to switch systems or platforms?

No. We work inside your existing A/R system. Your data stays where it belongs — no migration, no third-party access, no disruption. To your customers, it looks like you hired a new member of your finance team.

How fast will we see results?

Cash-flow impact typically starts within 30 days — often within the first week. You see results before you owe us anything.

Will this damage our customer relationships?

The opposite — protecting those relationships is the whole brief. We’re never aggressive. We find the obstacle blocking payment and work through it. Past-due customers remain customers after the engagement.

What if we already have an A/R team?

Our Train & Transition engagement is built for exactly that situation. We work alongside your team, help clean up past-dues, install our process and tools, train your staff — then hand it back. The goal is long-term internal capability, not a permanent dependency on us

Are you based in Minneapolis? Do you only work locally?

We’re based in Minneapolis but work with B2B companies across the U.S including California, North Carolina, Texas, Colorado, Louisiana, Virginia and more.

What if our team thinks they can handle it?

They probably can. The issue is usually that they don’t know where the process is breaking — and that’s where cash slows down. We diagnose what’s causing the backlog, address it, and hand it back. If the goal is long-term internal capability, Train & Transition is designed for that.

When do I have to pay?

Billing is done in arrears. You have a 30-day window plus 15-day payment terms before anything is owed to us. We typically get cash moving for clients within the first 30 days — which means you are very likely to see results before you pay.

Do you take a commission on what you recover?

It depends on the engagement. Flexible & Fractional and Train & Transition run on a flexible monthly retainer. Liquidation & Recovery engagements use a reasonable success fee. We’ll always be upfront about which model applies to your situation.

How long is a typical engagement?

Most Flexible & Fractional clients stay 12+ months. Train & Transition engagements typically run 6-12 months. Engagements are scoped to what the work requires — no long-term lock-in, no obligation beyond that.

What size company is a good fit?

We’re built for B2B companies in the $25M-$500M+ revenue range with a pattern of past-due accounts across multiple customers. If you have one bad invoice or one difficult customer, a traditional collections agency is probably a better fit. If you have a growing list of accounts that need consistent follow-up, that’s where we come in.

Who actually makes the calls?

Senior practitioners with decades of combined B2B A/R experience. No call center, no scripts, no offshoring. The same team that knows your accounts is the team making the calls.

What does it cost?

Flexible & Fractional and Train & Transition engagements typically run $2,500-$10K/month depending on volume and scope — comparable to a part-time A/R hire, without the benefits, PTO, or ramp time. Liquidation & Recovery engagements run on a reasonable success fee. We’re happy to discuss specifics once we understand your situation.

What industries do you specialize in?

Most commonly, we work with construction, manufacturing, professional services, logistics, and supply chain. The method works for many B2B businesses with a backlog of past-due accounts across multiple customers.

Can we hire you for a one-time cleanup?

Yes. Engagements are flexible to meet your needs. We’ll scope it to what the work actually requires.

What happens after the engagement ends?

You keep the process, the tools, and the playbook. And if you decide you want ongoing support down the road, we’re easy to bring back.

Have other questions, concerns or comments?