FinanceOps
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Collections Infrastructure for Small Businesses

You don't have a collections team. You have a bookkeeper and a growing pile of unpaid invoices.

Enterprise-grade recovery, live in days, with no upfront cost, so a handful of late payers never threatens your cash flow again.

Live in days·No upfront cost·Done for you
Trusted across regulated finance
CIBC
Shell
GFL Environmental
City of Ottawa
WSIB
SkyOne Federal Credit Union
Curative
Deferit
Fig
Karat
NFTC
City of Barrie
Cornerstone Caregiving
Swiftstar Emergency
Enamel Dentistry
Veterinary Speciality
LAFCU

Trusted by lenders, credit unions, healthcare providers, utilities, and regulated finance teams managing high-volume receivables.

The Problem

A few unpaid invoices can be existential when there's no collections function at all.

Most small businesses lack dedicated collections staff, leaving the owner, or whoever has time, to manage it. Enterprise AR software and agencies are priced for larger teams, and aggressive follow-up can harm repeat or referral-based B2B relationships. Cash flow can't wait for a months-long setup.

What FinanceOps Delivers for Small Businesses

Recovery infrastructure sized for a business that's never had one.

Instant QuickBooks or Sage Sync

Your customer and invoice data is in the platform within minutes of connecting, no manual data entry required.

Autopilot

Runs the entire follow-up and reminder cycle autonomously, delivering enterprise-grade collections without hiring a single person.

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Affordability-Based Payment Plans

Keep repeat and referral clients current without an awkward, relationship-damaging collections call.

The Dashboard

Gives an owner instant visibility into total outstanding, overdue balances, and predicted collections, insight most small businesses have never had.

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Best Time, Best Channel, Best Person

Outreach goes to the right contact through the right channel, without any guesswork on your part.

Automated Invoice Management

Handles tracking, reminders, reconciliation, and dispute routing end to end once your invoices are synced, so nothing depends on someone remembering to follow up.

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The Metrics That Matter

Six numbers that tell you if your cash flow is actually protected.

01
Total outstanding versus overdue

The two numbers that determine whether next month's cash flow is at risk.

02
Average Days Delinquent

How long invoices sit unpaid past their due date across your whole customer base.

03
Recovery rate

The percentage of overdue balances actually converting to cash.

04
Predicted Collections

An AI-forecasted number for what's coming in, so you're not planning cash flow blind.

05
Promise-to-pay kept rate

Exposes which customers are reliable and which need a different approach.

06
Cost per recovery

The number that shows this beats hiring, outsourcing, or simply writing off late invoices.

See it run on your invoices
Recovery Without Risking the Relationship

Your late-paying customer today might be your best referral source next year.

Small business relationships are often repeat- or referral-based, so heavy-handed collections carry real business risk. FinanceOps recovers owed balances using the same disciplined approach as regulated industries, improving cash flow without harming relationships.

Live in Days, Not Months

No implementation project. Just a connection.

Connect QuickBooks or Sage, or upload a file, and the platform structures your customer and invoice data automatically. There's no lengthy onboarding, no dedicated IT resource required, and no reason to wait until next quarter to start recovering what you're owed.

Small Business Results

Cash in faster. Hassle gone.

$3.65
average cost per recovery, versus $50–$150 for a traditional collections agency
0%
recovery rate achievable on early-stage overdue invoices
Days
live from a QuickBooks or Sage connection, with no dedicated collections hire

Performance-based pricing means there's no upfront cost, you pay only when invoices are actually recovered.

Representative results from deployed FinanceOps clients
Who It's For

Built for the owner who's also the accidental collections department.

Small business owners, bookkeepers, and office managers who need overdue invoices recovered without the cost of enterprise software, a collections agency, or a new hire.

FAQ

Small business
questions.

No. Connect your existing QuickBooks or Sage account, or upload a file, and the platform structures your customer and invoice data automatically within minutes.

Autopilot handles the entire outreach and follow-up cycle autonomously, so you're no longer the one remembering to send reminders or chase down late payers.

No. Affordability-Based Payment Plans and tone-adjusted outreach are built to recover balances without the relationship-damaging tactics of a traditional collections agency.

The Dashboard shows total outstanding, overdue balances, recovery rate, and AI-predicted collections in real time, visibility most small businesses have never had before.

Most businesses are live within days of connecting QuickBooks or Sage, there's no lengthy implementation project.

Performance-based pricing with no upfront cost, you only pay when an invoice is actually recovered.

Get Started

See what your overdue invoices actually recover with the right infrastructure behind them.

Your first 10,000 accounts free, live, with no upfront cost and no payment unless balances are recovered.