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About Us

SCJ Commercial Financial Services

A Solution For Your Past Due Accounts 


SCJ Commercial Financial Services is not your typical Debt Buying company. We are on a mission to help businesses reduce the burden of their financial obligations by taking a refreshingly different approach when it comes to commercial collections. We provide recovery solutions that are professional, ethical, and efficient.  SCJ has an internal recovery team that manages all purchased accounts and proudly partners with a network of like-minded attorneys across the country to help provide effective solutions for distressed receivables. We continue to get the job done without sacrificing our quality and integrity. 

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Debt Buying 

What We Buy: 

  • Equipment Leasing & Finance Agreements

  • Merchant Cash Advances 

  • Term Loans 

  • Business-to-Business Debt 

Selling commercial debt at charge-off, instead of spending years trying to collect it, allows you to put money back into making loans, leases, and merchant cash advances where you can generate a much better return.

Debt Buying 

What We Buy:

  • Automotive Deficiencies 

  • Automotive Leases 

  • Automotive Loans 

SCJ Commercial Financial Services has a niche for the Automotive Industry. With over 50 years of knowledge and experience in the Auto Industry, our team can efficiently and effectively provide charged-off auto deficiencies the time and attention they require so you can focus your time on the accounts that are more likely to generate a much better return. 

Debt Recovery

We get it. Asking your customers for money (that they owe you) can be awkward, especially when they are avoiding you. Protect your brand and retain your customer's future business by letting SCJ recover your past-due balances. Today's past-due account could be your future best client. 



"Friendly, professional group of people who are willing to work with you to get things taken care of."  

Michael I. (Google Review)

Industry Partners & Accreditations 


Certificatuion No.

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