WHO WE SERVE
Different products, same underlying problem: you extended trade credit into an industry where payment flows downhill slowly and disputes are a way of life. Each segment has its own receivable pattern — and its own leverage.
House accounts measured in the hundreds of thousands, spread across dozens of active jobs. When a builder slows, the balance doesn't sour one invoice at a time — the whole account ages at once, and your salesperson is the one being asked to keep delivering.
We reconcile at the job level before demanding a dollar, separate retainage from true delinquency, and track lien windows on the jobs that still have them — so pressure lands with the leverage intact.
Storm-season surges create fast credit decisions on new contractors — and a tail of balances from crews that moved on when the season did. Pay-when-paid excuses run thickest here, because the money genuinely does move through three hands first.
We distinguish a contractor waiting on a legitimate draw from one using the story as cover, put deadlines on both, and document every promise so the file is ready if it ever needs counsel.
Copper and gear prices made average tickets jump; credit limits didn't always keep up. Disputes hide in change orders and returned material, and a contested 10% can stall payment on the undisputed 90%.
We split the disputed slice from the clean balance and collect the clean balance now, while the dispute is negotiated on its own track instead of holding the whole account hostage.
High-frequency counter sales plus project work mean hundreds of small-to-mid balances rather than a few whales. Internally, nobody has time to chase a $4,800 ticket properly — so dozens of them quietly ride the aging report for a year.
Volume is a process problem, and process is the point of a collections firm: every account gets the same disciplined sequence, whether it's $4,800 or $148,000.
The machine came back; the invoice didn't get paid. Rental receivables age fast because the customer's need is over — and damage, fuel, and overage charges give them a ready-made dispute for the whole balance.
We anchor the undisputed rental charges first, document the extras separately, and use the customer's ongoing need for equipment — yours or anyone's — as the quiet leverage it is.
If your segment isn't listed, ask — the test is simple: commercial customers, trade credit, and an aging report you'd rather not open.