Your AR aging buckets

From your accounting system (QBO, Xero) or FSM — use totals in dollars

Current (0–30d)

Due, not yet overdue

31–60 days

First follow-up window

61–90 days

Escalation territory

91–120 days

Human follow-up needed

120+ days At Risk

Hardest to collect

Trade (optional)

Locations (optional)

Number of service locations

Avg ticket $ (optional)

Average job invoice value

Cash At Risk (120+ Days)

—

hardest bucket to collect

Projected Recovery

—

with structured follow-up engine

Days-to-Cash Improvement

—

vs. manual follow-up

🔢 Your AR Breakdown

Current (0–30d) —

31–60 days —

61–90 days —

91–120 days —

120+ days (at risk) —

Total AR —

How the recovery model works:
Recovery probability by aging bucket: Current 0–30d → 85% · 31–60d → 55% · 61–90d → 25% · 90+d → 12%.
These weights reflect the historical collection curve for structured follow-up versus passive reminders.
Source: ACCA practitioner data; NACM National Summary of Domestic Trade Receivables; RollForge operator aggregate.
Show/hide formula →

⚡ A practical overdue-invoice follow-up plan

Start with a specific reminder

Send each open-invoice contact a short, personal note that names the invoice, service date, and amount due. Specific reminders are easier to act on than a generic balance notice.

Follow up before the invoice gets older

Reference the earlier contact and give a clear payment date. This keeps invoices in the 31–60 day bucket from drifting into the harder-to-collect 61–90 day bucket.

Call the oldest unpaid accounts

Flag 120+ day invoices for direct owner outreach with the account history in front of you. Use email for routine reminders, and make the call when an account stops responding.

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What's next

Want help staying on top of overdue invoices?

Connect your QBO, Xero, or FSM — RollForge helps keep follow-up consistent, sends weekly AR summaries, and flags accounts that go quiet before they become write-offs.

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Contractor AR aging: why overdue invoices slow you down

AR aging is more than a back-office report. Every dollar sitting in your 60–90 day bucket is money your business already earned but cannot use for payroll, equipment, or the next job. This health check shows where overdue invoices are piling up so you can decide who to contact first.

12%

Typical recovery rate on 120+ day AR without structured follow-up

2.4×

Why consistent follow-up beats passive reminders

52 days

Median DSO for trade businesses; top-quartile runs ≤38 days

Why older invoices are harder to collect

The longer an invoice sits, the more likely the original contact has changed, the job details are harder to find, and the customer's accounts-payable team has moved on. Review the 61–90 and 120+ day buckets first, then set a reminder cadence for newer overdue invoices before they join them.

How to get customers to pay

Use a simple, consistent follow-up routine: name the invoice and job, confirm the amount due, give a clear payment date, and call when email stops getting a response. The goal is not to send more reminders; it is to make every contact specific and timely.

Three practical follow-up steps

Name the job: Reference the invoice number, service date, and service type so the customer can identify the charge quickly.
Set the next date: Tell the customer when you will follow up again and keep that promise.
Call when needed: Bring the account history and invoice details to the call so you can answer questions without starting over.

Sources: ACCA (Association of Certified Collectors) practitioner benchmark data; NACM (National Association of Credit Management) National Summary of Domestic Trade Receivables; RollForge operator aggregate data from connected FSM/accounting integrations.

How do I get customers to pay?