AG Adjustments

Sam Fensterstock
740 Walt Whitman Rd
Melville, NY 11747-____

Commercial Credit & Colleciton Solutions for the Cannabis Market

Trade credit is coming to the cannbis industry and when it becomes available to growers, manufacturers, wholesalers, distributors and retailers serving the cannabis market, things are going to change. At every level, the industry is going to have to learn how to provide and deal with managing trade credit, accounts receivable and its inherent risk. 

With this in mind,  AGA is you resource for credit & collection related services in the cannbis market including:

 -  Immediate Action Contingency Based 3rd Party Collection SevicesSoft Collecitons
  - Letter Writing Services
 -  Credit Reports and Portfolio Monitoring Sevices from Cortera

You'll Get the Maximum Recovery From Each of Your Accounts Placed

Our focus will be on tailoring a plan to get the best result from each account you place with us. To maximize your recovery, we will assign a collection team that has expertise in your industry.  We have over four decades of B2B collection experience representing manufacturers, wholesalers, distributors and service providers.

Your Customer Relationships Will Be Maintained with Great Care

When communicating with your customers, we’ll maintain the highest level of professionalism to protect your business relationships. During the collection process, we’ll treat your customers in a way that won’t deter them from doing business with you in the future, should that be your desire.

Our Transparency Makes Your Job Easier

Our secure online reporting platform is available 24/7 to give you the visibility you need on your account. The AGA Dashboard gives you a real-time view of your account activity and streamlined reports that let you conveniently view all your file information, collector notes, payment and remittance reports. The dashboard also gives you the ability to directly communicate with the collector handling your file.

Your Interactions with Our Staff Will Be Friendly & Efficient

Our B2B team has a wealth of experience in commercial collections. All our collectors go through rigorous training and have earned industry certifications. Most of our collectors have been with us for over ten years.
All Information Will Be Kept Secure

Keeping your information secure is our top priority.

We have implemented all the latest information technology to safeguard all data. Our systems and procedures are routinely audited by banks, insurance companies and our clients. Many Fortune 500 companies select us as their collection agency only after doing their due diligence regarding information security and compliance.

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SVP - Business Development, AG Adjustments

credit collections credit reporting accounts receivable trade credit business credit Order To Cash risk management credit risk management


Sam Fensterstock

SVP - Business Development



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AG Adjustments


According to Forbes, “the legal cannabis market was worth an estimated $7.2 billion in 2016 and is projected to grow at a compound annual rate of 17%. Medical marijuana sales are projected to grow from $4.7 billion in 2016 to $13.3 billion in 2020. Adult recreational sales are estimated to jump from $2.6 billion in 2016 to $11.2 billion by 2020.” These estimates, we believe, assume that the banking system will begin treating cannabis businesses like almost every other business and make bank credit available. When this happens, as we are already seeing in the California market, cannabis related business will no longer be primarily operating on a cash basis. You will be extending trade credit on about 90% of your sales and once you reach a certain level of annual revenue, you will need to develop a Credit & Collection Department that will help you manage the second largest asset on your balance sheet - your accounts receivable. 

Your emerging business has the potential to grow significantly, but only if you can implement the operational infrastructure and financial controls that are necessary to support your growth. If you, operationally, can’t keep up with ...more