RGA Financial Inc delivers professional credit management and receivables solutions that protect your cash flow, reduce risk, and accelerate your business growth.
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Founded with a commitment to integrity and financial excellence, RGA Financial Inc has become a trusted partner for small and medium-sized enterprises (SMEs) seeking reliable credit management and receivables recovery solutions. We understand that as a small or growing business, your focus is on delivering great services and winning new clients — not chasing unpaid invoices.
Many of our clients are hard-working business owners who are owed money for services they have already delivered, but simply don't have the time to pursue outstanding accounts. They are too busy servicing new clients to follow up on old ones. And even when they want to recover what they're owed, taking legal action rarely makes sense — the time, legal costs, and stress involved often outweigh the amount being recovered.
That's exactly why RGA Financial Inc exists. We operate on a No Success, No Fee basis — meaning you pay nothing upfront. Unlike conventional collection agencies that charge retainers or flat fees regardless of results, we only get paid when you get paid.
We also proudly specialize in serving new immigrant-owned businesses and trade service providers. RGA has deep roots in these communities and our team communicates in multiple languages, bringing both the cultural understanding and financial expertise that these clients need and deserve.
Transparent, ethical practices in every engagement.
Focused on measurable outcomes for your business.
Fully compliant with all regulatory requirements.
Modern tools and strategies for today's challenges.
Assess, monitor, and manage credit risk to help your business extend credit confidently while minimizing exposure to bad debt.
End-to-end accounts receivable management services that accelerate collections and improve your cash flow cycle.
Professional and ethical debt recovery services that maximize returns on delinquent accounts while preserving client relationships.
Detailed credit reports and analytics that give you a clear picture of your portfolio's health and performance.
Professional bailiff services to enforce court orders, seize assets, and execute judgments on your behalf — efficiently and lawfully.
Reliable and timely delivery of legal documents including court notices, summons, and official correspondence.
Managing patient billing cycles and outstanding medical service receivables.
Handling contract billing disputes and long-cycle project receivables.
Recovering outstanding invoices for residential and commercial plumbing services.
Helping electrical contractors get paid for completed work without the legal hassle.
Collecting unpaid balances for painting and finishing service providers.
Pursuing overdue accounts for lawn care, landscaping, and groundskeeping businesses.
Recovering unpaid repair bills and insurance-related receivables.
Optimizing freight billing and reducing payment delays across supply chains.
Managing lease receivables and property-related credit risk effectively.
Helping independent handymen and home repair professionals recover unpaid invoices.
Streamlining B2B credit terms and collections for suppliers and distributors.
Supporting lenders and financial institutions with portfolio risk management.
You pay nothing upfront. We only get paid when you get paid. Zero financial risk for your business.
We serve new immigrant businesses with multilingual communication and deep cultural understanding.
We act quickly and professionally so you can focus on running your business instead of chasing invoices.
Flexible, affordable, and tailored specifically for small and medium-sized enterprises.
No costly legal proceedings, no court appearances — just results-driven recovery on your behalf.
Based in Surrey, BC — close to the communities we serve with on-the-ground expertise.
You pay us nothing upfront. We take on your outstanding receivables and only charge a commission if and when we successfully recover the funds. If we don't recover anything, you owe us nothing.
We primarily serve SMEs across trade and service industries including plumbing, electrical, painting, landscaping, auto body, handyman services, construction, healthcare, and more. We also have a strong focus on new immigrant-owned businesses.
Timelines vary depending on the age and complexity of the debt. Many cases are resolved within 30 to 90 days. Our team works efficiently and keeps you informed throughout the process.
We always start with professional, respectful communication. Legal action such as bailiff services or process serving is only pursued when necessary and always with your knowledge and consent.
Yes. RGA Financial Inc has multilingual capabilities and deep roots in immigrant business communities in Surrey and Greater Vancouver, improving our recovery success rates.
We typically need the debtor's contact information, amount owed, nature of the services provided, and any invoices or agreements on file. Our team will guide you through the rest quickly and easily.
Whether you're dealing with overdue accounts, looking to strengthen your credit policies, or need a full-service receivables management partner — RGA Financial Inc is here to help.