💰 AR Health Check — Free Tool

How much cash is your trade business leaving on the table?

Paste your AR aging buckets. Get an instant recovery projection, days-to-cash improvement estimate, and the 3 playbooks our collections engine runs automatically on day 1.

1
Your AR aging buckets
From your accounting system (QBO, Xero) or FSM — use totals in dollars
$
Due, not yet overdue
$
First dunning window
$
Escalation territory
$
Human follow-up needed
$
Hardest to collect
Number of service locations
$
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 dunning programs vs. passive follow-up.
Source: ACCA practitioner data; NACM National Summary of Domestic Trade Receivables; RollForge operator aggregate.
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⚡ What RollForge's AR Engine Does on Day 1
1

Day-7 Dunning Email

Personalized, firm-toned email to each open invoice contact. References the invoice number, service date, and outstanding amount. Response rate 2–3× generic reminders because it reads like it came from a human, not a billing system.

2

Day-14 Escalation

Escalation copy that references prior contact and sets a clear payment deadline. Moves non-responders from 30–60d bucket before they age into the harder-to-collect 60–90d tier. Stops the clock on the DSO drift that compounds month over month.

3

Day-30 Human Handoff

120+ day invoices flagged for direct owner outreach with a caller script and decision framework. The accounts that respond to automation don't need a human. The ones that don't, do — and they're the ones sitting in your 120+d bucket right now.

What's next

Want RollForge to actually do this for you?

Connect your QBO, Xero, or FSM — RollForge starts the day-7/day-14/day-30 cadence automatically, sends weekly AR digests, and flags accounts that go dark before they become write-offs.

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Connect your data in under 5 minutes.

Why AR Aging Is a Cash Flow Problem, Not a Billing Problem

Most trade business owners think of AR aging as a back-office metric. It isn't. Every dollar sitting in your 60–90d bucket is a dollar your business already earned but can't deploy. Equipment purchases, payroll, expansion — all of it waits on cash that's already yours.

12%
Typical recovery rate on 120+ day AR without structured follow-up
2.4×
Improvement in 30–60d collection rate with day-7 dunning vs. passive reminders
52 days
Median DSO for trade businesses; top-quartile runs ≤38 days

Why the 90-day cliff matters

The recovery curve for trade AR drops sharply at 90 days. Most invoice contacts have rotated, the service memory has faded, and the customer's AP team has deprioritized the claim. Shops that let invoices age past 90 days without human intervention recover an average of 12–15% of that bucket — compared to 75–85% of current AR. The compounding effect is the real problem: if your business invoices $200K/month and 8% of AR ages past 90 days, you're writing off ~$192K per year in "bad" receivables that were actually collectible if caught at 60 days.

What structured dunning actually does

The term "dunning" sounds aggressive. In practice, structured dunning is just systematic, personalized follow-up — automated enough to be consistent, personalized enough to not sound like a form letter. The performance gap between shops with a structured cadence and those without it is primarily discipline, not technology: the average shop that implements a day-7/day-14 cadence sees 30–60d collection rates improve within the first billing cycle.

The 3 levers the AR engine pulls

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.