Outsourced accounts receivable for B2B companies
We chase the invoices.
You keep the customers.
Invoice follow-up, billing disputes and weekly cash reporting, handled by specialists in your company’s name. Your customers pay you directly, and you keep every dollar.
Most invoices aren’t paid late because customers refuse to pay. They’re late because something is stuck: a missing PO, an approval sitting in an inbox, a question nobody answered. We find what’s stuck and fix it, every week, in your name.
Late payment has become normal for small businesses.
Three numbers from recent surveys of US small businesses, and the reason so many owners now outsource accounts receivable.
of US small businesses have invoices more than 30 days overdue, up from 47% a year earlier.
Source: QuickBooks Late Payments Report 2026is the average amount a small business is owed on unpaid invoices.
Source: QuickBooks, 2026 reportof employer firms struggle with uneven cash flow, which the Fed says includes collecting receivables.
Source: Federal Reserve Small Business Credit SurveyFollow one invoice from sent to paid.
This is outsourced accounts receivable in practice: a steady rhythm of small, well-timed actions, all in your company’s name.
- 7 days before due
Confirm
We check that the invoice reached the right person, carries the right PO and is approved for payment.
- Due date
Remind
A short, courteous reminder with the invoice attached and clear ways to pay.
- 3 days late
Call
No reply yet, so we pick up the phone and reach accounts payable. They flag a quantity question.
- 6 days late
Resolve
We confirm the delivery with your team, send the backup and agree on a payment date.
- 12 days late
Paid
The money lands in your bank account, and every step is in your Monday report.
| Installation services, phase 2 | $6,200.00 |
| Materials | $1,830.00 |
| Freight | $420.00 |
- Day −7Receipt and PO confirmed with AP
- Day 0Reminder sent with invoice attached
- Day +3Call: AP flags a quantity question
- Day +6Backup sent, payment set for the 15th
- Day +12$8,450.00 received
Everything between “invoice sent” and “cash received”.
Invoice follow-up
Courteous emails and calls before and after each due date, sent as your company.
02Disputes and billing questions
Missing POs, short-pays, pricing questions. Found, fixed and logged.
03AR reporting and forecasting
Aging, DSO and a 13-week cash forecast in your inbox every Monday.
04Credit policy and clean-up
Clear terms and limits, and a clean aging report to start from.
05Cash application
Payments matched to the right invoices, so your numbers tell the truth.
06Your tools, run for you
We work inside QuickBooks, Xero or your ERP. No new software to buy.
Not an agency. Not software. Not another hire.
Collection agencies step in too late and too hard. Software sends reminders but can’t pick up the phone. A new hire takes months to train. We sit in between.
| Extra Myle | Collection agency | AR software alone | Offshore staffing | |
|---|---|---|---|---|
| Who follows up | A specialist, managed for you | Agency collectors | Automated emails | A person you train and manage |
| Name your customers see | Yours | Usually the agency’s | Yours | Yours |
| When it starts | Before and right after the due date | After an account defaults | On a schedule you set up | When you assign the work |
| Disputes and billing questions | Investigated and resolved | Rarely | No | If you train for it |
| Weekly AR and DSO reporting | Included | Recovery reports | Dashboards you have to read | Varies |
| Typical fee model | Flat monthly fee | A percentage of what’s recovered | Subscription plus your time | Hourly or monthly seat |
Built for companies that invoice on terms.
If you sell to other businesses on net 15 to net 90 and nobody owns follow-up full time, we’re a fit.
Subcontractors, trades and suppliers
Pay applications, lien waivers, change orders and retainage, followed up every week.
Agencies, consultancies and firms
Vendor onboarding, POs and milestone sign-offs, so partners don’t have to chase.
Distributors and manufacturers
High invoice volume, short-pays, deductions and credit limits under control.
Firm on the follow-up. Careful with the relationship.
We treat every overdue invoice as a problem to solve, not a debtor to pressure. That’s how your customers keep buying from you.
- You approve the tone, the templates and the escalation rules
- Customers always pay your business directly
- Sensitive accounts stay with you. Just flag them
- Every action is logged and shows up in your weekly report
Salah Ben Zid
FounderTen years in customer accounting and financial compliance, including KYC compliance at Airbnb and customer accounting at Accenture and at Talkwalker, a Hootsuite company.
- Customer accounting
- Financial compliance
- Financial analysis
- International business
One flat monthly fee. Every payment stays yours.
We don’t take a percentage of what you collect. Your fee depends on how many customer accounts and invoices we manage, and it’s agreed in writing before we start.
AR Reporting
Weekly aging, DSO and a 13-week cash forecast.
Managed AR
Reporting plus follow-up, disputes and billing questions.
Dedicated specialist
A named specialist in your team, in English or French.
One-time clean-up
Old balances reconciled and a credit policy you can use.
Will my customers know you’re an outside firm?
We work under your company’s name, from an inbox on your domain or a shared mailbox you control, with templates you approve. Whether you introduce us as an outside partner is up to you.
Do customers pay you or pay us?
Your customers always pay your business directly, through your usual payment methods. We never receive or hold your customers’ money.
Are you a collection agency?
No. We manage the follow-up of your current and recently overdue B2B invoices on your behalf, as part of your finance team. We don’t buy debts, handle consumer debts or take legal action. If an account needs formal collection or legal steps, we tell you and you decide who to involve.
What do you need from us to get started?
A recent AR aging report, user access to your accounting system (QuickBooks Online or Xero, for example), your payment terms, and a short call to agree on tone, cadence and which accounts need extra care.
What size of business do you work with?
Small and mid-sized B2B companies in the United States and Canada that invoice other businesses on payment terms and want consistent follow-up without hiring a full-time AR clerk.
Guides on this topic
Let’s get you
paid on time.
Book a free AR review. We’ll look at your receivables with you and show you what’s overdue, why it’s stuck and what we would do first.