Age changes the recovery context
Older commercial debts can become more difficult to resolve. Age matters, but it never determines the outcome by itself.
For Business
Viewing TORO Recovery for Businesses.
Free Business calculator
How Strong Are Your Recovery Prospects?
Answer ten questions about an unpaid commercial Receivable and receive a free TORO Recovery Score.
Free • No Account RequiredInformational—not a collection forecast.
The TORO Recovery Score describes relative recovery characteristics from the answers provided. It is not a percentage, legal opinion, or guarantee.
Step 1 of 6Debt Basics
- 1Debt Basics
- 2Debtor Condition
- 3Evidence
- 4Collection History
- 5Legal Readiness
- 6Review & Results
Ten-factor assessment
Debt Basics
Answers remain only in this browser tab. They are not saved, placed in URLs, or transferred into a TORO Claim.
Step 1 of 6: Debt Basics
Transparent rules-based model
How the TORO Recovery Score Works
ARPS‑V1 combines ten normalized factor scores through fixed weights. It is a relative assessment—not a validated recovery probability.
Review factor weights and model disclosures
| Factor | Weight |
|---|---|
| Age | 25 of 100 |
| Debtor Status | 15 of 100 |
| Documentation | 12 of 100 |
| Payment History | 10 of 100 |
| Responsiveness | 8 of 100 |
| Dispute | 8 of 100 |
| Acknowledgment | 7 of 100 |
| Claim Economics | 5 of 100 |
| Contact Quality | 5 of 100 |
| Legal Position | 5 of 100 |
Model version: ARPS-V1
Effective date: 2026-08-15
- TORO does not externally verify answers on this public page.
- The score may change when the underlying facts change.
- The initial model is rules-based and is not represented as empirically validated.
- Future refinements will use a new labeled model version rather than silently changing saved assessments.
Understand the characteristics
Why these recovery factors matter.
The assessment organizes important commercial collection facts without deciding legal rights or predicting a particular result.
Records make the Account easier to evaluate
Organized invoices, agreements, delivery records, statements, and payment history help establish a clear operational record.
Engagement provides useful signals
Actual debtor responses, acknowledgments, disputes, and prior payments help a Business choose an appropriate next action.
Consistent follow-up reduces execution gaps
A dated next action, documented activity, and structured tracking can prevent otherwise workable Accounts from being neglected.