Construction Collection Agency
Commercial collections for contractors, subcontractors, and suppliers. We recover unpaid construction receivables, from stalled progress payments to disputed retainage, while you keep building.
- Free 20-minute consultation with a senior advisor
- Clear read on what's likely recoverable
- No obligation, no scripted dialer
Prefer the phone? 763-373-0600
Who calls us in.
- Small & Mid-Sized Businesses
- Large Enterprises
- Banks & Lenders
- Trustees & Receivers
- Troubled Companies
How construction engagements actually work.
Every engagement starts with a real conversation about your portfolio. No automated triage, no template responses.
Construction receivables age differently than other B2B debt. Payment flows down a chain, owner to GC to sub to supplier, and a delay anywhere upstream becomes your cash flow problem. Add retainage, change-order disputes, and pay-when-paid terms, and unpaid balances can sit for months while your costs keep running.
RecoverMax works construction accounts with that chain in mind. We identify where payment actually stopped, document the position, and create structured pressure on the party that owes you, not just the one you invoiced. Where lien rights or bond claims are in play, we coordinate timing with your legal counsel so collection activity strengthens your position instead of cutting across it.
Most construction relationships are repeat relationships. Our approach is firm on the balance and professional with the people, so you can collect what you earned this project and still win the next one.
When construction is the right call.
A few signals that suggest this engagement model fits. If most of these are true, we should talk.
- 01
Progress payments or final invoices are stuck 60+ days
- 02
Retainage is being held past substantial completion
- 03
A GC or owner has gone quiet on approved work
- 04
Change-order or backcharge disputes are being used to delay payment
From stuck to cash in four moves.
Diagnose
We review your aging, account documentation, and prior efforts to identify where recoverability is genuinely at risk.
Stabilize
Structured outreach replaces stalled internal follow-up. Accounts start moving again under disciplined cadence.
Resolve
Negotiated settlements, payment plans, or escalation paths, chosen to protect customer relationships where possible.
Report
Transparent updates on what recovered, what is still in motion, and what we recommend doing differently next time.
Common questions about construction.
Pulled straight from the conversations we have with finance leaders most weeks. If your question isn't here, reach out and we'll answer it directly.
A construction collection agency recovers unpaid commercial balances specific to the construction industry: progress payments, final invoices, retainage, and supplier accounts. The work requires understanding the payment chain, contract terms, and the leverage points that move construction debtors, which is different from general consumer or commercial collections.
Yes. Retainage held past the point your contract allows is a collectible receivable like any other. We document completion status and contract terms, then pursue the balance with the party holding it.
Lien and bond rights are legal remedies with strict deadlines that vary by state, and we are not a law firm. What we do is coordinate collection activity with your attorney's timeline, so outreach and recovery pressure support the claim rather than conflict with it. On many accounts, structured collection resolves the balance before a lien ever needs to be filed.
Pay-when-paid and pay-if-paid clauses get used as a reason to let subcontractor invoices sit, sometimes well beyond what the contract actually supports. We review what was agreed, establish where the money actually is, and pursue the party with the obligation, with the documentation to counter the deflection.
Handled professionally, no. Construction is a repeat-relationship industry and we work accounts accordingly: direct about the balance, respectful with the people. Many clients continue working with the same GCs after we resolve the account.
Once an invoice passes 60 to 90 days with no committed payment date, or the debtor stops responding, the odds of full recovery start falling. Sending the account earlier, while the project and the documentation are fresh, consistently produces better outcomes.
Often paired with this work.
Pre-Collection
Resolve unpaid invoices earlier with commercial collections support that improves cash flow and acts before accounts need formal recovery.
Learn more →Third Party Recovery
A commercial debt collection partner for businesses with overdue B2B accounts. We help companies recover aging commercial receivables, improve cash flow, and move stalled accounts toward resolution without burning customer relationships.
Learn more →
Fractional A/R Support
Strengthen your accounts receivable process with outsourced, fractional A/R support that improves follow-up, reduces aging receivables, and relieves pressure on internal teams without hiring full-time staff.
Learn more →Move forward on construction.
Tell us what's stuck. We'll give you a realistic read on what's recoverable, what isn't, and the right next step.