Insights on recovery, cash flow, and the work behind both.
Articles, frameworks, and lessons from working alongside CFOs, controllers, lenders, and trustees on commercial receivables. Written by our team, not ghosted.
Insights from the field.
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When to engage third-party recovery: a CFO's decision framework
Most receivables don't fail because of bad customers. They fail because internal teams wait too long. Here's how to know when to hand an account off.
B2B collections playbook: 30, 60, 90, and 120-day actions
What good A/R follow-up looks like at each aging bucket. A reference table for finance leaders setting up internal cadence.
DSO is the wrong metric. Here's what to track instead.
Days Sales Outstanding is comforting but misleading. The metrics that actually predict cash flow are more uncomfortable to look at.
Building a fractional A/R function without hiring
How mid-sized businesses are adding receivables capacity without taking on full-time payroll. The math, the structure, the mistakes.
Should you sell the portfolio or work it out?
Portfolio purchase vs. continued recovery is rarely an obvious choice. Five questions to ask before deciding.
Collections in distressed and turnaround engagements
How receivables work changes when a business is winding down. What trustees, lenders, and counsel need from a recovery partner.
How commercial collection agencies work, step by step
If you have never handed an account to a commercial agency, the process can feel like a black box. Here is what actually happens, from placement to recovery.
Commercial collection agency fees, explained
Most businesses assume hiring a collection agency means a big upfront bill. For commercial recovery, the model is usually the opposite. Here is how the fees actually work.
How to choose a commercial collection agency
Not every collection agency is built for business-to-business accounts. Here is what separates a commercial recovery partner from a consumer-volume call center.
How to collect unpaid B2B invoices before sending them to collections
Most overdue invoices can be recovered in-house if you act early and stay consistent. Here is the sequence that works, and the moment to bring in help.
Commercial receivables collection: in-house, outsourced, or both?
Keep collections in-house, outsource them, or split the work? A practical look at what each path costs and where the line actually sits.
What happens when a business ignores collection efforts
Some debtors go quiet and bet that you'll give up. Here is the escalation path that follows silence, and why that bet usually loses.
How to write a demand letter for a business debt
A demand letter is the hinge between chasing an invoice and recovering a debt. Here is what it needs to say, what to leave out, and what comes after.
Write off the bad debt or send it to collections? The math to run first
A write-off feels like closure and costs nothing today. That is exactly why it is worth running the numbers before you take it.
Minnesota business debt collection laws: deadlines, interest, and court options
Minnesota gives a business owner more tools to collect an unpaid invoice than most people realize, and takes some of them away on a deadline. Here are the rules, with the statute numbers.
Who buys B2B receivables portfolios, and how a sale actually works
Deciding to sell is the easy half. Finding out who actually buys commercial paper, and what happens once you send a file, is where most finance teams get stuck.
Unpaid construction invoices: collect, lien, or sell?
In construction the deadline usually decides the strategy, not the balance. Miss the lien or bond window and your strongest leverage is gone before anyone has argued about the money.
Unpaid freight invoices: bond claims, collections, and selling the paper
A broker that stops paying rarely stops paying one carrier. The bond exists for exactly this, and the carriers who recover are usually the ones who move before it is exhausted.
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