Accounts Receivable Services for US Businesses Invoice Faster, Get Paid Sooner
Accounts receivable services that turn sales into cash on schedule. We send invoices, post payments, follow up on overdue accounts in your name and report exactly who owes what, every week.
- Your brand, your toneFollow up sent in your name
- Cash to your bankWe never handle customer cash
- Weekly agingDSO and overdue accounts
Big Accountants provides accounts receivable services to US businesses that sell on credit and want cash in the bank sooner. We run the cycle from invoice to payment inside your accounting software, so every balance is current and every overdue account has a next step.
Outsourced accounts receivable is not debt collection. We work as an extension of your finance team, using your templates and your tone, and we hand any account that needs a harder conversation back to you with a full history. Customer relationships stay yours.
- Invoices sent the day work is billed
- Payments posted and matched to invoices
- Polite reminders before and after due dates
- Disputes and short payments tracked
- Weekly aging and DSO reporting
Why Accounts Receivable Decides Your Cash Flow
Most businesses that sell on credit are profitable on paper long before the cash arrives. US data shows how common the gap is.
What Our Accounts Receivable Services Include
Take the full cycle or only the steps your team cannot keep up with. Scope is written into your engagement letter before work starts.
Invoicing
Accurate invoices sent the day work is billed, with the right terms.
Customer setup
Billing contacts, terms and tax details recorded correctly from day one.
Cash application
Payments posted and matched to invoices, including partial payments.
Payment reminders
Scheduled, courteous reminders before and after each due date.
Collections follow up
Email and phone follow up on overdue accounts, in your name.
Disputes and deductions
Short payments and disputes logged and routed to the right person.
Aging and DSO reports
Weekly aging, top overdue accounts and days sales outstanding.
Month end AR reconciliation
Receivables reconciled to the ledger, with bad debt flagged for your decision.
A Collections Process Your Customers Will Respect
A typical cadence. We set the timing and wording with you at onboarding, and you can exclude any key account.
- 3 days before due
Friendly reminder
A short note with the invoice attached and a link to pay.
- 1 day past due
Courtesy follow up
A polite check that the invoice was received and approved.
- 15 days past due
Direct contact
A call or personal email to agree a payment date.
- 30 days past due
Escalate to you
A summary of the account and history, so you decide the next step.
We follow up on business invoices as part of your finance team. We are not a debt collection agency, and we do not take over or sell your accounts.
Accounts Receivable Metrics We Report Every Month
Clear numbers, defined the same way every month, so you can see whether collections are improving.
Days sales outstanding
How long, on average, it takes to collect after a sale.
Ending AR / Credit sales x Days in period
Aging buckets
Open balances by age: current, 1 to 30, 31 to 60, 61 to 90 and over 90 days.
Balance by days past due
Percent current
The share of receivables that is not yet overdue.
Current AR / Total AR
Collection effectiveness index
How much of the collectible balance was actually collected in the period.
(Opening AR + Credit sales - Closing AR) / (Opening AR + Credit sales - Current AR)
Top overdue accounts
The customers holding the most overdue cash, with the latest contact and next step.
Ranked by overdue balance
Dispute log
Open disputes and deductions, with the reason, value and owner.
Open items by reason
Accounts Receivable Outsourcing With Clean Controls
Receivables controls protect cash and keep your books honest. Customer payments go straight to your bank account or payment processor, never through us, and every adjustment that reduces what a customer owes needs your approval.
That separation means the people recording receipts cannot also hide a missing payment, and it gives your tax preparer or auditor a clear trail from invoice to cash.
- Payments to your accountBank or processor, never through us
- Approved credit memosNo balance reduced without your sign off
- Write offs decided by youBad debt flagged with full history
- Matched to the bankEvery receipt reconciled to a deposit
- Full audit trailInvoices, reminders and notes logged
In House AR vs Outsourced Accounts Receivable
A collection agency recovers bad debt. An outsourced AR team stops good customers from becoming bad debt in the first place.
| Factor | In house AR clerk | Collection agency | Big Accountants |
|---|---|---|---|
| When they act | When there is time | After an account goes bad | From the day the invoice is sent |
| Customer relationship | Yours | Handed to a third party | Yours, in your name and tone |
| Invoicing and cash posting | Yes | No | Yes |
| Holidays and turnover | Follow up stops | Not applicable | Team based cover |
| Cost | Salary, benefits and payroll tax | Share of what is recovered | Competitive fixed monthly fee, hourly or per task |
Accounts Receivable Services Pricing
Price depends on invoice volume, number of customers, payment methods and how much follow up you need. Every quote is fixed in writing after a free call, and our pricing is competitive.
Predictable monthly cost
The full AR cycle for an agreed fee, reviewed only when your volume changes.
Flexible capacity
Suited to seasonal billing peaks or a short collections push.
Defined deliverables
A set price for work such as an aging cleanup or a backlog of unapplied cash.
Industries and Software We Support
Our AR team works with US businesses in these sectors, inside the accounting platforms they already use.
- Ecommerce
- Healthcare
- Retail
- Wholesale
- Manufacturing
- Restaurants
- Construction and contractors
- Real estate and property management
- Accounting firms
- QuickBooks Online
- QuickBooks Desktop
- Xero
- Zoho Books
More Ways We Support Your Finance Team
Accounts payable
Bills coded, approved and paid on time, with fraud controls.
Outsourced bookkeeping
A full team closing your books every month.
Catch up bookkeeping
Overdue months rebuilt and reconciled.
Small business bookkeeping
Monthly books and clear reports for owners.
See all our accounting and bookkeeping services for US businesses.
Accounts Receivable Services FAQs
What do accounts receivable services include?
Accounts receivable services cover the cycle from billing a customer to collecting the cash: invoicing, customer setup, payment posting, reminders, follow up on overdue accounts, dispute tracking, aging reports and month end reconciliation of receivables.
Are you a collection agency?
No. We work as part of your finance team and follow up on business invoices in your name and tone. We do not buy or take over accounts, and any account that needs legal or agency action is handed back to you with its full history.
Do customer payments go through you?
No. Customers pay straight into your bank account or payment processor. We record and match those payments to invoices and reconcile them to your bank deposits.
How much does accounts receivable outsourcing cost?
Cost depends on invoice volume, number of customers, payment methods and the level of follow up. We offer a competitive fixed monthly fee, hourly billing or per task pricing, quoted in writing after a free call.
How do you calculate days sales outstanding?
We divide ending accounts receivable by credit sales for the period and multiply by the number of days in the period. We report it every month using the same definition so the trend is reliable.
Will my customers know you are an outside team?
Only if you want them to. By default we send invoices and follow ups from your billing email, using templates and wording you approve.
Which accounting software do you use for AR?
We work in QuickBooks Online, QuickBooks Desktop, Xero and Zoho Books, using the invoicing, reminder and payment features already in your system.
Can you clean up old receivables first?
Yes. We review your aging, apply unmatched payments, confirm balances with customers and flag uncollectible amounts for your decision, then move you onto a regular weekly cycle.
Turn Unpaid Invoices Into Cash in the Bank
Tell us your invoice volume, payment terms and software. We will recommend an AR workflow and send a clear written quote.