AccountsReceivable.ai
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By system & fit

Accounts receivable software for construction that chases retainage and progress billing to cash

Construction accounts receivable does not behave like anyone else's. A 5 to 10 percent retainage sits on every progress payment until the job closes, pay applications wait on architect and owner approval, pay-when-paid clauses push the delay down to every subcontractor, and a mechanic's lien deadline is quietly counting down the whole time. Contractors routinely run DSO north of 60 to 90 days, and the retention alone can tie up a full quarter of margin.

AccountsReceivable.ai is accounts receivable software built for how construction actually gets paid. It connects to the ledger you already run, QuickBooks, Sage or NetSuite, and chases every open item the way a good AR manager would: the aging progress invoice, the retainage that came due at substantial completion, the change order nobody followed up on. It escalates from email to SMS to a live AI phone call, matches incoming payments and reconciles, and predicts when each GC and owner will actually pay. Flat monthly fee, no percentage of what it collects.

Connect · chase · apply cash · DSO down

Collections Desk

Your books

Collected / wk

Outstanding

AR aging

Current · 30 · 60 · 60+ · paid

Open invoices

Agent worklog

Live

Put this AR on autopilot to watch the agent chase, collect and reconcile.

Dunning sequence

1 Email
2 SMS
3 Call
4 Promise
Paid

Live, interactive · no card, no connection needed

DSO → collected invoices cleared

Flat monthly fee · we never take a cut of what we collect · works inside your accounting system

QUICKBOOKS XERO NETSUITE

Flat fee no cut of collections

Bank-grade security

Why it works

What your team gets with AR for construction

Retainage that bills itself back

Five to ten percent of every progress payment is held as retainage, and it is the single most forgotten receivable in construction because it comes due months later when the job closes. The agent tracks each retention balance against its release trigger and chases it the moment it is billable, so money you already earned does not sit for another quarter.

Built for slow progress-billing cycles

Pay applications age through architect review, owner approval and pay-when-paid clauses before a check moves. The agent follows every open pay app and change order on a schedule, escalating from email to SMS to a live AI call, so a stalled draw gets worked instead of waiting for someone to notice it on the aging report.

Chases before the lien clock runs out

Every unpaid construction invoice has a deadline attached, and collecting inside it is worth more than any late fee. The agent keeps steady pressure on aging balances and predicts a pay date for each one, so slow accounts surface while you still have leverage, not after the window to act has closed.

What it handles

Chased, collected and reconciled on autopilot

The agent syncs your invoices, chases each one across email, SMS and phone, applies incoming payments to the right invoice, reconciles your ledger, and predicts when every customer will pay.

  • Connects to QuickBooks, Sage or NetSuite and syncs open construction invoices two ways
  • Tracks retainage balances and chases each retention invoice when it becomes billable
  • Follows aging progress billings, draws and change orders across email, SMS and phone
  • Applies incoming owner and GC payments to the right job and reconciles the ledger
  • Predicts a pay date per account so slow payers surface before the lien deadline
  • Flat monthly fee, no per-seat pricing and no cut of what it collects
AR AGING Collecting
INV-2047 Acme Co $4,820
INV-1990 Birchwood $9,400
INV-2120 Evergreen $1,540 12d
DSO 54 → 39 $36,080 collected this week

Why AccountsReceivable.ai

One agent that runs the whole receivables job

Not a reminder tool, not a six-figure suite, and not an agency that takes a cut. Chase, collect, apply cash and forecast in one place, on top of the accounting system you already use.

Chases every invoice

The full dunning sequence runs on autopilot across email, SMS and live AI phone calls, polite and on-brand, so no overdue invoice slips through.

Applies the cash

Incoming wires and ACH batches are matched to the right invoices automatically, so your ledger reconciles and you never chase an invoice that already paid.

Cuts your DSO

A predicted pay date for every open invoice and steady follow-up bring DSO down week over week, so more cash lands when you need it.

Good questions

Questions about AR for construction

Retainage, also called retention, is a percentage of each progress payment, usually 5 to 10 percent, that the owner or general contractor holds back until the job reaches substantial completion. It protects them if the work is not finished correctly, but for the contractor it means a slice of every invoice is earned yet unpaid for months. It is the most commonly forgotten receivable in construction, which is why the agent tracks and chases it specifically.
Construction routinely runs days sales outstanding of 60 to 90 days or more, well above most other industries. Progress billings wait on architect and owner approval, pay-when-paid clauses push the delay down the subcontractor chain, and retainage can sit until the project closes. Steady, automated follow-up on every open item is what pulls that number down.
No, and it is worth being clear about that line. AccountsReceivable.ai does not create AIA G702 or G703 forms or run your progress-billing schedule; your construction accounting or billing system does that. What it does is collect on the invoices and pay applications once they exist: chasing every aging draw, change order and retention balance across email, SMS and live AI calls, then applying the cash and reconciling.
Yes. It connects on top of QuickBooks, Sage or NetSuite with a two-way sync and works from the invoices those systems produce, so the books stay where they are. Many contractors run QuickBooks or Sage for job costing and billing and simply add the agent to handle the chasing, cash application and pay-date forecasting the ledger leaves to a person.
Read every accounts receivable question

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See every AR use case See AR pricing Back to the AI AR agent

Stop chasing invoices. Put your receivables on autopilot.

Connect your accounting system and the agent chases every invoice, applies the cash and cuts your DSO. Flat monthly fee, and we never take a cut of what we collect.

See pricing

Works with QuickBooks, Xero and NetSuite · bank-grade security · no percentage of collections