move faster
operate
smarter
We Help Brokerages
Stop guessing on credit. start freeing up cash.
We help freight brokerages turn accounts receivable into a working capital advantage. By analyzing how your customers actually pay, we reduce days sales outstanding (DSO) and lower delinquency risk — without adding a single person to your payroll.
our services are best for:
Mid to large freight brokerages
Teams managing high AR volume
CFOs focused on liquidity and risk
Companies extending customer credit
Revenue is Growing.
Why isn’t your cash flow keeping pace?
Most freight brokerages are flying blind when it comes to credit terms. You’re growing fast, but your capital is locked in a ledger because of:
Static Credit Policies: Extending terms based on “gut feelings,” legacy relationships, or outdated spreadsheets rather than real-time data.
The Flaw of Generic Business Credit Scores: Relying on the traditional credit scoring industry — which often uses “one-size-fits-all” models — doesn’t work in freight. These scores tell you how a company pays its utility bills or lease, but fail to reflect how those same companies pay their brokers.
Lagging Indicators: Business credit scores are notoriously slow to update. By the time a score drops, your exposure is already too high. You’re reacting to late payments after the damage is done, rather than preventing the delinquency before it happens.
Invisible Portfolio Risk: Carrying millions in accounts receivable with a clear view of which specific customers are shifting their payment behavior today.
The result:
Your DSO climbs, your exposure to 60+ day delinquencies grows, and your credit lines are stretched to the breaking point.
Most teams don’t have a clear answer to a simple question:
Are we extending the right terms to the right customers based on how they actually pay us?
Your AR Data is a Goldmine *
We’re the drill.
LGM Services isn’t another software tool your team has to learn. We are a financial optimization service that delivers a strategy.
We use your historical payment data to:
Pinpoint Over-Extension: Identify exactly which customers are carrying too much risk.
Prescribe Optimal Terms: Move beyond “Net-30 for everyone” to risk-adjusted limits that protect your cash.
Model the Impact: See exactly how specific changes will lower your DSO and improve cash velocity before you implement them.
Portfolio Monitoring: We keep a pulse on your ledger to catch early warning signals before a customer goes dark.
All without disrupting your existing workflows.
What Makes LGM Different
We don’t just predict risk.
We solve it.
Behavior-Based Modeling
We don’t care about market averages. We analyze how your specific customers interact with your specific brokerage.
prescriptive, not just predictive
Most tools tell you there’s a problem. We give you the blueprint to fix it, recommending exact adjustments to terms and exposure.
zero operational overhead
No software implementation. No "integration" headaches. We work alongside your finance team, not inside your tech stack.
cfo-first approach
Every recommendation we make is tied to measurable impact: liquidity, risk reduction, and capital efficiency.
Our flagship service is a 4 to 6 week deep-dive analysis of your AR portfolio. We don’t just hand over a spreadsheet.
We deliver a comprehensive roadmap to:
Identify misaligned credit terms
Quantify hidden delinquency risks
Calculate the exact dollar amount of working capital you can unlock
The working capital blueprint.
How We Help
best for:
Brokerages looking to optimize liquidity without disrupting current operations.
Three Steps to a Leaner Ledger
how it works
01 – The discovery call
We discuss your current AR structure, pain points, and growth goals to ensure our analysis is aligned with your targets.
02 – data review & analysis
You provide the historical AR data; we do the heavy lifting. We model your portfolio to find the gaps between your current terms and your actual risk.
03 – executive recommendations
We present a CFO-ready report outlining exactly where to adjust terms and how much cash velocity you will gain.
meet the founder
Strategy Forged in the Freight Industry
LGM Services was founded to bridge the gap between "standard" credit practices and the high-velocity reality of the freight world.
After seeing countless brokerages struggle with cash flow despite record-breaking sales, Adam Steffen realized the problem wasn't a lack of data — it was a lack of actionable strategy.
Adam brings over 20 years of experience driving growth and financial strategy for global powerhouses like Nike and Microsoft. Throughout his career, he has managed portfolios and strategic partnerships resulting in over $2B in financial commitments. As the former President and CEO of a distribution company, Adam has personally navigated the high-stakes balance between aggressive sales growth and the necessity of healthy cash flow.
He founded LGM Services to bring this level of enterprise-grade financial modeling and data-driven discipline to the freight industry, ensuring brokerages have the liquidity they need to scale.
Is Your Capital Working For You —
or sitting in someone else’s bank account?
Stop letting “standard” credit terms choke your growth. Let’s find the liquidity hidden in your data.
Ready To Operate Differently?