AEO Index · August 2026 · Updated Aug 21, 2026

The complete AI-visibility index for commercial debt collection agencies.

Two layers of AI visibility, durable memory and the live citation contest, the organic reality beneath them, and where the opportunity sits, in one view.

Primary + extended cohort5 platformsMemory + live retrievalTwo instruments, honestly separated
The short version

What AI already says about this category

Ninety seconds. AI answers this category from two places at once, what the models already remember about it and what they retrieve live, and this index measures both. Every figure below is drawn from a panel further down this page, and none of it is an estimate.

Executive overview
AI names a tracked agency in 52% of the 220 category questions buyers actually ask, yet only 33% of the sources behind those answers come from a tracked agency.
52%
AI names a tracked agency
of 220 category questions · measured 2026-08-21
33%
of citations to an agency's own site
of 6,405 sources AI cited
62%
of category search demand captured
by the 33 tracked agencies with organic data
The answer is assembled somewhere else. Only 33% of what AI cites in this category sits on a tracked agency's own site. The most-cited source that is not a tracked agency's own site is businessnewsdaily.com at 90 citations, ahead of retrievables.com and clla.org. The citation panel below lists every source and who owns it.
What AI looks for is not evenly contested. 40% of the sub-questions AI generates on its own are about the debtor's industry, which is the most contested ground in the category. Another 9.5% are about legal escalation, where the cohort averages 0.0% coverage and not one tracked agency holds a position at all.
What the measurement says
Visibility here is not owned, it is cited
Tracked agencies hold 33% of the sources behind AI's answers about this category. The rest sits on sites none of them controls, so visibility here is largely a function of who else writes about an agency rather than of what sits on its own site.
What the measurement says
AI demand and search demand do not line up
Legal escalation carries 350 searches a month in Google and 9.5% of the sub-questions AI generates on its own, against 0.0% average coverage across the cohort, and not one tracked agency holds a position in it at all. A cluster AI asks about and the category has not answered is a property of the category, measured here rather than assumed.
How to read every number on this page. Every figure on this page is measured, and each panel names the artifact and the date it came from. This edition has a single collection occasion, so it publishes one blended ordering and no measured margin of error around it: read close neighbours as close, not as ranked. A repeat collection is what turns that ordering into bands the index can defend.
The signature view

The Delta Quadrant

Every agency placed by what AI remembers (model memory) against what AI finds when it searches (live retrieval). Bubble size is mention volume. Tap any agency to focus it; switch Layer, Platform or Signal to move the category.

Two-layer collection · 2026-08-21
Adjust this view
Layer
Platform
Signal
Dual leader
Citation-strong · reputation-weak
Reputation-strong · citation-weak
Low / low
What AI remembers → (model memory)
What AI cites now → (live retrieval)

AI has already decided which commercial collection agencies it recommends. Here is who, and why.

Two layers of AI visibility: durable memory, and the live citation contest.

Touch to explore

21 views · scroll down · tap any agency to focus it · ask the index anything

Primary cohort
Extended cohort
Bubble size = mention volume · tap to focus
Where they stand

Blended leaderboard

Memory and retrieval for every entity; blended is the weighted headline (w_p 0.32 / w_g 0.68). Tap a row to focus it across the whole index. The chip shows recommendation quality: how AI frames the agency when it names it, a top pick (green) versus hedged with caveats (red). Hover for the recommended / neutral / cautioned split.

Two-layer collection · 2026-08-21
MemoryRetrievalBlendedRec. quality
1Atradius Collections0.480+0.42
2The Kaplan Group0.467+0.01
3Southwest Recovery Services0.461+0.17
4International Association of Commercial Collectors0.429
5ACA International0.413
6Altus Receivables Management0.410+0.33
7Better Business Bureau0.410
8IC System0.401+0.14
9Construction Credit & Finance Group0.350+0.39
10Transworld Systems0.339+0.26
11Stevens & Ricci0.326-0.08
12A.R.M. Solutions0.324+0.25
13Commercial Law League of America0.321
14Caine & Weiner0.306+0.30
15Allianz Trade0.304
16Levelset0.301
17Murkin Group0.292+0.18
18Empire Credit & Collection0.287+0.05
19LegalClarity0.283
20MRG Partners0.275-0.03
21American Collection Systems0.272+0.09
22RecoverMax0.271-0.09
23ABC-Amega0.259+0.22
24Mesa Revenue Partners0.258+0.08
25NerdWallet0.255
26debexpert.com0.248
27Prestige Services Inc.0.248+0.50
28Fair Capital0.238+0.12
29JSD Management0.235+0.05
30Alexander, Strauss & Associates0.232+0.00
31Payment Resolution Partners0.225+0.10
32Summit A-R0.223+0.07
33Cedar Financial0.219+0.35
34Coface0.219+0.00
35Ryan & Jacobs0.218+0.00
36Nexa Collect0.209+0.07
37AgentCollect0.209
38Business News Daily0.176
39NCS Credit0.169+0.00
40Williams Rush & Associates0.160+0.14
41Burt and Associates0.153+0.14
42advancedcb.com0.153
43Commercial Collectors Inc.0.150+0.00
44Reddit0.146
45Clutch0.145
46Commercial Collection Corp. of NY0.142+0.25
47Investopedia0.132
48Leib Solutions0.132+0.00
49AFM Collects0.120+0.00
50Retrievables0.120
51Wikipedia0.113
52Brennan & Clark0.105+0.00
53Tucker, Albin & Associates0.099+0.00
54C2C Financial Strategies0.095+0.12
55Greenberg, Grant & Richards0.095-0.12
56Rocket Receivables0.093+0.19
57SideBySideReviews0.089
58American Profit Recovery0.072+0.00
59Hunter Warfield0.057
60Brown & Joseph0.050
61Delos AI0.029
How this is measured

How this index is scored

Two layers, scored on the same five signals. The layers are what AI knows about an agency without looking versus what it finds when it searches. The signals are how each layer is measured.

Methodology v2

The two layers

Memory (weighted 0.32): what the model has internalized about the category, measured with web search off. The slow-moving reputation layer.

Live retrieval (weighted 0.68): what the model surfaces when it searches the web before answering. The fast, content-driven layer.

Each layer score is the weighted composite of the five signals. The blended score combines them at 0.32 memory and 0.68 retrieval, the same weighting on every Arcalea index so that two categories can be read on one scale.

The five signals

Entity Mention Frequency (EMF) (25%)
Share of tested responses that name the agency. The foundational frequency signal.

Topical Range Score (20%)
Share of distinct question types where the agency appears. Breadth, not volume. An agency that leads its category will often score 1.000 here, because it shows up across every kind of question asked. The signal does its separating work further down the field.

Position Power Score (20%)
Where in the answer the agency lands. Named first counts for more than named last.

First-Position Rate (15%)
How often the agency is the first named of any listed. The advocacy signal.

Cross-Platform Stability (20%)
How evenly the agency appears across engines rather than depending on one. Measured within a layer: the memory layer runs on fewer engines than retrieval, so the two are read within their own layer, not against each other.

Rigor you can see

Head-to-head, honestly measured

When AI compares two agencies, the naive answer is mostly an artifact of which is named first. We ask every matchup both ways; the number to trust is order-balanced. Toggle to watch the correction.

Order-balanced · 2026-08-21
← now switch to the honest, order-balanced number

Matchups (first agency's balanced win rate)

Citation battleground

How AI frames them

Attribute association

Which factors the models associate with each agency. Darker cell = stronger association. Each row is a share of that agency's own mentions, so an agency needs at least 20 mentions before its shares mean anything.

Grounded layer · 2026-08-21
AgencyRecoveryFeesAttorneyB2B FocusVerticalsSpeedReputationInternationalTechnologyClaim SizeExperienceCredit
Atradius Collections41%59%59%
The Kaplan Group59%71%18%
Southwest Recovery Services100%23%59%34%16%
Altus Receivables Management38%59%31%21%
IC System29%25%21%25%
Mesa Revenue Partners58%50%21%33%
Fair Capital42%19%42%15%15%15%

Held back for too few mentions to carry a share (under 20): Construction Credit & Finance Group (18), Transworld Systems (17), Stevens & Ricci (8), A.R.M. Solutions (1), Caine & Weiner (16), Murkin Group (10), Empire Credit & Collection (17), MRG Partners (19), American Collection Systems (16), RecoverMax (14), ABC-Amega (7), Prestige Services Inc. (15), JSD Management (5), Alexander, Strauss & Associates (10), Payment Resolution Partners (13), Summit A-R (12), Cedar Financial (10), Coface (1), Ryan & Jacobs (3), Nexa Collect (8), NCS Credit (2), Williams Rush & Associates (5), Burt and Associates (1), Commercial Collectors Inc. (3), Commercial Collection Corp. of NY (2), Leib Solutions (2), AFM Collects (3), Brennan & Clark (1), Tucker, Albin & Associates (2), C2C Financial Strategies (6), Greenberg, Grant & Richards (2), Rocket Receivables (6), American Profit Recovery (2).

What the machines look for

Search fan-out

One question quietly becomes many. These are the hidden sub-searches the models run to answer a category question, the content brief they wrote themselves: the debtor's industry and process dominate.

Grounded layer · 2026-08-21
the debtor's industry40%
process20%
other9.9%
legal9.5%
recovery6.0%
pricing5.5%
B2B specifics4.7%
agency discovery2.1%
comparison1.9%
what should a distributor look for in a commercial collection agency
manufacturers recommendations recovering past-due trade accounts
agencies that collect unpaid invoices from staffing agency clients
difference between commercial and consumer debt collection
best collection agencies for staffing and recruiting firms
contingency fee vs flat fee commercial collection agencies comparison
b2b pharmaceutical medical distribution collections agencies
collection agencies large-volume manufacturing receivables
what are the best commercial debt collection agencies for b2b businesses
best commercial debt collection agencies b2b businesses 2025
The citation economy

AI citations

Citation rate and the domains AI leans on.

Grounded layer · 2026-08-21
88.9%
responses with citations
6,405
total citations
33%
to a tracked agency
swrecovery.com
659
jsdinc.net
122
thefaircapital.com
116
kaplancollectionagency.com
108
ccfgcredit.com
102
trustaltus.com
98
mrpcollects.com
93
businessnewsdaily.com
90
agentcollect.com
87
retrievables.com
84
empirecollectionagency.com
83
clla.org
79
Where citations go

Citation flow

Read left to right: the kind of question on the left, the source AI cited on the right. Aggregators and a broad long tail dominate; agency sites are a thin slice.

Grounded layer · 2026-08-21
DiscoverySolutionEducationalDecisionComparisonCommunityAgency sites 33%Aggregators 4.7%Other 62%
Agency sites
Aggregators
Other
The content pattern

Citation sources & page types

Of the agency pages AI does cite, the mix concentrates in vertical page (26%) and homepage (23%). The chart below sets that against where citations go overall, across 6,405 cited URLs.

Grounded layer · 2026-08-21

Citation sources by side

agencies 33%   aggregators 4.7%   other 62%

Cited agency page types

vertical page26%
homepage23%
agency roundup19%
service page15%
process guide12%
editorial blog2.1%
about org0.3%
reference0.0%
other1.7%
Measured and never the cited page: community forum.
Google's AI layer

Google AI Overviews

An AI Overview appears on 63% of the 120 category keywords, the highest-volume AI surface. Even Google's own AI leans on third parties over the agencies: agencies are named mostly on their own brand terms, and on non-branded discovery queries the naming concentrates on a few. The count below is how many keywords return an AI Overview naming that agency, out of 120. It is not a count of citation instances: one Overview naming an agency twice still counts once. Tap to focus.

DataForSEO · 2026-08-21

Keywords whose AI Overview names each agency (all / non-branded)

Southwest Recovery Services39 / 39 nb
The Kaplan Group18 / 18 nb
IC System13 / 13 nb
JSD Management11 / 11 nb
NCS Credit8 / 8 nb
American Profit Recovery8 / 8 nb
Fair Capital7 / 7 nb
Mesa Revenue Partners7 / 7 nb
Cedar Financial5 / 5 nb
Construction Credit & Finance Group4 / 4 nb
Atradius Collections4 / 4 nb
Altus Receivables Management4 / 4 nb
Commercial Collectors Inc.3 / 3 nb
Stevens & Ricci3 / 3 nb

Top cited domains

www.swrecovery.com72
www.youtube.com35
www.kaplancollectionagency.com29
www.uschamber.com26
www.icsystem.com17
www.reddit.com14
www.legalshield.com13
www.jsdinc.net11
Act 4Organic reality and opportunity
The organic baseline

Organic share of voice

Share of estimated addressable organic clicks. The 16 highest shares of 39 measured entities are shown; the totals below the table cover all 39.

DataForSEO · 2026-08-22
EntityOrganic SoVKeywords rankingEst. clicks/mo
IC System29%363498
The Kaplan Group8.8%451047
American Profit Recovery5.7%13672
Empire Credit & Collection5.1%14607
Atradius Collections4.0%8472
Mesa Revenue Partners1.7%21206
Altus Receivables Management1.1%7135
NCS Credit1.1%13130
Commercial Collection Corp. of NY0.9%6107
Cedar Financial0.9%9106
Commercial Collectors Inc.0.7%788
Stevens & Ricci0.7%686
MRG Partners0.6%876
Fair Capital0.3%832
Leib Solutions0.2%527
Southwest Recovery Services0.2%2622
The 33 tracked agencies with organic data: 62% of 11,857 estimated addressable clicks a month. The rest of the category's search demand goes to publishers, aggregators and everyone else.
Keyword reality

SERP and keyword coverage

Keyword-universe SERP appearances per agency.

DataForSEO · 2026-08-22
AgencySERP appearancesKW coverageTop-3 rateSEO composite
IC System3630%12%0.294
The Kaplan Group4538%7%0.288
reddit.com2521%8%0.263
Atradius Collections118%4%0.197
Southwest Recovery Services2622%4%0.189
uschamber.com2521%3%0.184
legalshield.com1210%4%0.184
Summit A-R21%0%0.179
NCS Credit1311%0%0.174
American Profit Recovery1312%3%0.169
clla.org1310%1%0.166
marcadislaw.com65%1%0.160
ABC-Amega22%1%0.159
Brennan & Clark22%1%0.159
Commercial Collection Corp. of NY64%2%0.153
Cedar Financial98%1%0.150

"not ranked" means the agency ranks for none of the tracked keywords, so no composite is computed. That is absence from this keyword universe, not a score of zero.

Open vs owned

Category concentration and saturation

How many cohort SERP appearances each question category actually has, and how concentrated they are where there are enough to tell. A concentration index over a handful of appearances reports the reciprocal of that handful, not the shape of the category, so it is withheld under 30.

Grounded layer · 2026-08-21
CategoryCohort SERP appearancesEntities appearingConcentration (HHI)State
Other288360.05Open
Geographic2512n/aBase too small to judge
Discovery2517n/aBase too small to judge
Comparison1712n/aBase too small to judge
Decision149n/aBase too small to judge
Solution1210n/aBase too small to judge
Educational128n/aBase too small to judge
Community109n/aBase too small to judge

Read the appearance counts first. 288 of 403 cohort SERP appearances land in the residual bucket rather than any named question category, so the keyword universe barely reaches the categories the AI prompt set asks about. That gap is the finding here; a concentration index computed over the handful that do land in a named category would only report how few there are.

Unclaimed territory

White space

High-volume query clusters where no cohort agency has built a strong position.

DataForSEO · 2026-08-22
ClusterVolume/moKeywordsCohort avgBest placedTheir coverageStatus
Agency Discovery41,670501.6%IC System30%Open
Solution Fit450110.2%Brennan & Clark3.8%Open
Educational440111.2%The Kaplan Group15%Open
Legal Escalation35070.0%no positionn/aOpen
Vertical Specific5070.4%Southwest Recovery Services7.0%Open
AI vs organic

AEO vs SEO

How AI visibility diverges from organic standing. AI rank here is the blended composite, because this vertical has no second collection occasion and so no measured band on any single dimension.

Cross-instrument · 2026-08-21
AgencyAI rankOrganic SoVDivergence
Atradius Collections#14.0%AI-ahead
The Kaplan Group#28.8%Aligned
Southwest Recovery Services#30.2%AI-ahead
Altus Receivables Management#41.1%AI-ahead
IC System#529%Organic-ahead
Construction Credit & Finance Group#6not rankedAI-ahead
Transworld Systems#7not rankedAI-ahead
Stevens & Ricci#80.7%AI-ahead
A.R.M. Solutions#9not rankedAI-ahead
Caine & Weiner#100.0%AI-ahead
Murkin Group#11not rankedAI-ahead
Empire Credit & Collection#125.1%Organic-ahead
MRG Partners#130.6%Aligned
American Collection Systems#14not rankedAI-ahead
RecoverMax#15not rankedAI-ahead
ABC-Amega#160.0%AI-ahead
Mesa Revenue Partners#171.7%Organic-ahead
Prestige Services Inc.#180.1%Aligned
Fair Capital#190.3%Organic-ahead
JSD Management#20not rankedAI-ahead
Alexander, Strauss & Associates#21not rankedAI-ahead
Payment Resolution Partners#22not rankedAI-ahead
Summit A-R#230.0%AI-ahead
Cedar Financial#240.9%Organic-ahead
Coface#25not rankedAI-ahead
Ryan & Jacobs#26not rankedAI-ahead
Nexa Collect#27not rankedAI-ahead
NCS Credit#281.1%Organic-ahead
Williams Rush & Associates#29not rankedAI-ahead
Burt and Associates#300.0%AI-ahead
Commercial Collectors Inc.#310.7%Organic-ahead
Commercial Collection Corp. of NY#320.9%Organic-ahead
Leib Solutions#330.2%Organic-ahead
AFM Collects#34not rankedAI-ahead
Brennan & Clark#350.0%Organic-ahead
Tucker, Albin & Associates#36not rankedAligned
C2C Financial Strategies#370.0%Organic-ahead
Greenberg, Grant & Richards#38not rankedAligned
Rocket Receivables#39not rankedAligned
American Profit Recovery#405.7%Organic-ahead
Hunter Warfield#41not rankedAligned
Brown & Joseph#420.0%Aligned
Drill down

Entity explorer

Per-agency two-layer and organic detail. Tap any row to open the five signals behind its memory and retrieval scores.

Two-layer · 2026-08-21
AgencyMemoryRetrievalBlendedAI mentionsOrganic SoVSEO composite
Atradius Collections0.5140.4640.480534.0%0.197
The Kaplan Group0.3900.5030.467628.8%0.288
Southwest Recovery Services0.0000.6780.461700.2%0.189
Altus Receivables Management0.3930.4180.410511.1%0.139
IC System0.4080.3970.4016229%0.294
Construction Credit & Finance Group0.0000.5150.35018not rankednot ranked
Transworld Systems0.4520.2860.33945not rankednot ranked
Stevens & Ricci0.0000.4790.32680.7%0.147
A.R.M. Solutions0.1950.3850.3242not rankednot ranked
Caine & Weiner0.2970.3100.306340.0%0.029
Murkin Group0.0000.4290.29210not rankednot ranked
Empire Credit & Collection0.0000.4220.287175.1%0.112
MRG Partners0.0000.4050.275190.6%0.058
American Collection Systems0.0000.3990.27216not rankednot ranked
RecoverMax0.0000.3980.27114not rankednot ranked
ABC-Amega0.2170.2780.259140.0%0.159
Mesa Revenue Partners0.0000.3790.258241.7%0.134
Prestige Services Inc.0.1750.2820.248160.1%0.004
Fair Capital0.0000.3500.238260.3%0.113
JSD Management0.0000.3460.2355not rankednot ranked
Alexander, Strauss & Associates0.0000.3410.23210not rankednot ranked
Payment Resolution Partners0.0000.3310.22513not rankednot ranked
Summit A-R0.1830.2410.223160.0%0.179
Cedar Financial0.2060.2260.219120.9%0.150
Coface0.4400.1150.21927not rankednot ranked
Ryan & Jacobs0.0000.3200.2183not rankednot ranked
Nexa Collect0.0000.3080.2098not rankednot ranked
NCS Credit0.1860.1610.16951.1%0.174
Williams Rush & Associates0.0000.2350.1605not rankednot ranked
Burt and Associates0.0000.2250.15310.0%0.046
Commercial Collectors Inc.0.0000.2200.15030.7%0.072
Commercial Collection Corp. of NY0.3360.0510.142250.9%0.153
Leib Solutions0.0000.1940.13220.2%0.026
AFM Collects0.0000.1770.1203not rankednot ranked
Brennan & Clark0.0000.1540.10510.0%0.159
Tucker, Albin & Associates0.0000.1460.0992not rankednot ranked
C2C Financial Strategies0.0000.1400.09560.0%0.004
Greenberg, Grant & Richards0.0000.1390.0952not rankednot ranked
Rocket Receivables0.0000.1370.0936not rankednot ranked
American Profit Recovery0.0000.1060.07225.7%0.169
Hunter Warfield0.1790.0000.0573not rankednot ranked
Brown & Joseph0.1550.0000.05010.0%0.079
The freshness lever

Freshness of cited pages

A spot check, not a ranking: only 2 tracked agencies own a page in this category's most-cited set at all, and the median age of those pages is withheld for the reason stated under the table. What the panel does show is whether the page exposes a machine-readable date, which is what AI reads currency from.

Live fetch · 2026-08-21
AgencyFresh <90dMedian agePages dated
Southwest Recovery Services100%1d5/5
Altus Receivables Management100%n/a1/1

Median age is withheld where the cited page reports a last-modified date later than this run's collection date. Those pages are current, but their age cannot be measured against a collection date that precedes them, so no number is published for them.

The infrastructure lever

Citability infrastructure

Whether each agency has the machine-readable infrastructure AI leans on to recognize and cite an entity: structured data, an encyclopedia presence, an AI-crawler guide, and named authors.

Live checks · 2026-08-21
AgencySchemaWikipediallms.txtAuthorsInfra score
Atradius Collections··50%
The Kaplan Group··50%
Southwest Recovery Services·75%
Altus Receivables Management··50%
IC System··50%
Transworld Systems·75%
Stevens & Ricci··50%
A.R.M. Solutions····0%
Caine & Weiner··50%
Empire Credit & Collection···25%
MRG Partners···25%
ABC-Amega··50%
Mesa Revenue Partners·75%
Prestige Services Inc.·75%
Fair Capital··50%
Summit A-R··50%
Cedar Financial·75%
Coface··50%
Nexa Collect····0%
NCS Credit····0%
Burt and Associates··50%
Commercial Collectors Inc.·75%
Commercial Collection Corp. of NY···25%
Leib Solutions··50%
AFM Collects··50%
Brennan & Clark···25%
Tucker, Albin & Associates····0%
C2C Financial Strategies····0%
Greenberg, Grant & Richards···25%
Rocket Receivables···25%
American Profit Recovery100%
Hunter Warfield·75%
Brown & Joseph··50%

Withheld columns: Wikidata (identical for all 39 entities, so it carries no information). A failed or rate-limited lookup is recorded as an absence, so those checks would report that named organizations have no entry. The score is computed over the 4 check(s) that remain.

What the index establishes

Category findings

7 findings this index establishes about the category, each one carrying the measurement from the panel that produced it. These describe the category, not a single agency: the page-level, prioritised plan for one organization is a GEO Audit, which is a separate engagement.

1

The accrediting bodies compete for the answer, not for the work

MeasuredThree of the seven highest blended scores belong to organizations that do not collect debt: the International Association of Commercial Collectors (0.429), ACA International (0.413) and the Better Business Bureau (0.410), placed among Atradius Collections (0.480), The Kaplan Group (0.467), Southwest Recovery Services (0.461) and IC System (0.401).

What it meansWhen buyers ask AI who collects commercial debt, a large part of the answer is the institutions that accredit the field. In a category where the buyer is screening for legitimacy before capability, an accreditation body occupies answer space that no agency can occupy, and it does so without being a competitor for the engagement.

2

A comparison in this category is written by third parties

MeasuredAcross the six named matchups, 440 of 638 cited sources (69%) belong to neither agency being compared. Asked in one order an agency wins 90% of the time on average and four of six pairs read as outright wins; asked both ways the average is 55%.

What it meansTwo findings that reinforce each other. The apparent winner of a head-to-head is mostly an artifact of which agency is named first, and the evidence behind the comparison comes overwhelmingly from sources neither party controls. Any single-order measurement of this category will report decisive results that do not survive being asked the other way.

3

The hidden demand is organized by debtor, not by provider

Measured40% of the sub-questions the models generate on their own are about the debtor's industry and 20% about process, against 2.1% about finding an agency. Legal escalation takes 9.5% of those sub-questions while the whole cohort averages 0.0% coverage of the corresponding keyword cluster.

What it meansThe machines are looking for situations rather than suppliers. Where the largest share of self-generated demand is about who owes the money and in what industry, material organized by service line answers a different question from the one being asked, and the widest gap between demand and coverage sits on legal escalation.

4

Own-site citation is concentrated, not absent

Measured33% of the 6,405 cited sources sit on a tracked agency's own site, and that share is carried by very few domains: swrecovery.com at 659 citations, more than the next five combined (jsdinc.net 122, thefaircapital.com 116, kaplancollectionagency.com 108, ccfgcredit.com 102).

What it meansThe cohort-level percentage hides the distribution that matters. One property absorbs most of the citable weight, so in this category own-site AI visibility tracks publishing depth on a small number of pages rather than being shared across the cohort.

5

Two page types carry almost half of what AI cites

MeasuredOf the agency pages AI cites, vertical pages take 26% and homepages 23%, ahead of agency roundups (19%), service pages (15%) and process guides (12%). Editorial blog posts account for 2.1%.

What it meansThe cited pages are the structural ones: a page organized around a debtor vertical, and the front door. With roundups taking a fifth of citations while blog content takes almost none, the models prefer pages that state what an organization is and who it serves over pages that discuss the subject.

6

This is a category where the cohort does hold its own search demand

MeasuredThe 33 tracked agencies with organic data capture 62% of the category's addressable clicks, concentrated in IC System at 29% (3,498/mo). Yet IC System places fifth on AI while Atradius Collections places first on 4.0% of organic clicks, and several agencies in the AI top ten rank for none of the tracked keywords.

What it meansUnlike most categories this index has measured, organic standing here is a real contest rather than a formality. That makes the divergence between the two surfaces substantive: both instruments are measuring something genuinely contested, and neither is a proxy for the other.

7

Seven organizations have enough mentions to be framed at all

MeasuredOf 59 measured organizations, seven clear the 20-mention floor at which a share of their own mentions is meaningful. Among those seven the associations are narrow: recovery rate on 100% of Southwest Recovery Services' mentions, B2B focus on 71% of The Kaplan Group's, industry specialization on 50% of Mesa Revenue Partners'. Attorney backing, speed, technology portal, claim size and credit services attach to almost no one.

What it meansAI frames this category by factor, and most factors are attached to nobody. Questions about attorney-backed recovery or claim size land on ground where the models hold no association with any tracked agency, which is a fact about what the category publishes about itself rather than about what agencies are able to do.

These are findings about the category, measured on the whole tracked cohort. This index does not tell any one agency what to change: the page-level plan for a single organization (the specific URLs, entities, schema and crawler fixes, sequenced with owners) is a GEO Audit, a separate engagement.

Next step

Turn this into a plan.

This index shows where each agency stands and which layer, model memory or live retrieval, is holding it back. A GEO Audit turns that into a prioritized action plan for one agency: the pages, entity infrastructure, schema, and AI crawler access to fix, in order, with the measurement re-run afterward to prove the lift.

Arcalea AEO Index · neutral two-layer baseline August 2026 · 42 agencies · a Galileo-family measurement surface

Common questions about the AEO Index

What is the AEO Industry Index?

The AEO Industry Index measures how AI answer engines recommend the players in a category. This August 2026 edition tracks commercial debt collection agencies across five AI platforms (ChatGPT, Gemini, Perplexity, Claude, and Copilot), scoring how often and how prominently each agency is named when someone asks AI for guidance.

What is the difference between the memory and live-retrieval layers?

The index measures two instruments and never blends them. The parametric (memory) layer queries each model with web search off, capturing what the model has internalized about the category. The grounded (live-retrieval) layer lets the models search the live web before answering. Memory is the slow-moving reputation moat; retrieval is the fast, content-driven citation contest. The gap between the two layers is itself the finding.

Why does an agency rank differently on memory versus live retrieval?

An agency can hold a strong place in a model's memory yet lose the live-retrieval layer when competitors publish more citable, current content, or the reverse. The Delta Quadrant plots both layers at once, so you can see which lever an agency must pull: build durable reputation, or win the live citation contest.

How is AI visibility different from an SEO ranking?

SEO measures where a page ranks on a results page. AEO measures whether a brand is named and cited inside the AI-generated answer, where most people never click through to a link. An agency can rank well organically and still be absent from the AI answer, or lead the AI answer while trailing in organic search. This index reports both and shows where they diverge.

Which platforms and prompts does the index use?

Five platforms: ChatGPT, Gemini, Perplexity, Claude, and Microsoft Copilot. Each runs the same frozen prompt set. Most prompts are entity-neutral, meaning no agency is named and the model chooses who to recommend on its own; a separate head-to-head track deliberately names two agencies per prompt to test direct comparisons. Scores aggregate across platforms and prompt categories, with per-platform detail in each section.

Can Arcalea build this index for my category?

Yes. The methodology is category-agnostic. Give us your market and competitive set and we build the same two-layer index for your industry and your brand's position within it. Use the Get Your Index button to start.