Blog
Notes from the recovery desk
Practical writing for CFOs, Controllers, and Credit Managers in software and tech. No fluff—just what we learn collecting receivables all day.
Panther Chase vs. the other software collection agencies
Altus, MRG Partners, Prestige, IC System—how we compare for software and tech receivables, and why working the niche exclusively wins.
Read → August 2026International software receivables: gold, not garbage
Most agencies charge up to 50% for international accounts—or refuse them. Why cross-border software debt is recoverable at the same contingency rate, and why we treat it as gold.
Read → August 2026Collection agency vs. collections attorney
When a tech company should use an agency, when it actually needs a lawyer, and why litigation is a tool—not a default.
Read → August 2026In-house vs. outsourced collections for SaaS
Should your finance team work past-due accounts or place them with an agency? How to decide by cost, time, and recovery odds.
Read → August 2026What happens after you place an account
The collection process end to end: free evaluation, investigation, strategic contact, resolution—and how recovered funds are remitted to you.
Read → August 2026How commercial collection pricing works
Contingency vs. flat-fee vs. hourly—and why a good agency charges the same rate for international accounts as domestic ones.
Read → August 2026How long do you have to collect an unpaid invoice?
The commercial statute of limitations is about four years in most states—but the practical window is far shorter. Why placing early wins.
Read → August 2026How to collect a disputed B2B invoice
Most disputes are stall tactics. The documentation that overcomes them—and how to collect without torching the relationship.
Read → August 2026Collecting from a customer going out of business
When a debtor is running out of cash, speed decides everything. How to recover a receivable before bankruptcy closes the door.
Read → August 2026Debt collection for IT services & MSPs
Project milestones, managed-services retainers, and hardware-plus-labor invoices—the receivables generalist agencies misread.
Read → July 2026AP stall tactics: what they look like from the collection side
Every collector hears the same delay scripts. Here’s what the most common AP excuses actually mean—and when each one signals a real problem versus a slow process.
Read → June 2026Eight signs your B2B customer is about to stop paying
The signals that a customer is heading toward non-payment almost always appear before the first invoice goes unpaid. Here’s what to watch for—and when to act.
Read → June 2026The SaaS purge is leaving unpaid invoices behind
Enterprise software rationalization is producing a wave of mid-contract cancellations and disputed invoices. What vendors need to know about the bad debt wave following the spending cuts.
Read → May 2026When your best customer wants Net 90: managing cash flow under extended payment terms
Enterprise buyers are demanding longer payment terms from software vendors. Here’s what Net 90 actually costs your cash position—and when “strategic” customers are just slow-paying.
Read → May 2026The AI bill nobody budgeted for—and what happens when companies can’t pay it
Unplanned AI inference and cloud compute costs are creating a new category of disputed vendor invoices. What AI infrastructure companies need to know about this emerging collection problem.
Read → April 2026The CFO’s highest-ROI AI investment is sitting in accounts receivable
Boards are demanding AI ROI. Here’s why AR is the highest-ROI place to deploy AI in a software company’s finance stack—and what “AI-powered collections” actually means in practice.
Read → April 2026How unpaid invoices are quietly destroying your Rule of 40
Bad debt write-offs and chronic slow-pay erode the efficiency metrics SaaS investors care most about. Here’s how AR discipline directly protects your margins and cash conversion.
Read → March 2026Cleaning up AR before an acquisition: what buyers actually look at
M&A due diligence scrutinizes receivables quality closely. Here’s what acquirers examine, what they discount, and how to present your AR book before a transaction.
Read → March 2026Accounts receivable is the last function in finance still running on instinct
FP&A has models. Procurement has software. AR still runs on gut feelings about who to call and when. What that costs software companies—and what modern AR discipline looks like.
Read → February 2026DSO benchmarks every tech CFO should know in 2026
What days sales outstanding actually looks like for software companies by segment and billing model—and what your number is telling you about collection risk beyond the headline.
Read → June 2026Finding a good collection agency that specializes in software & tech
A frank ranking of 4 agencies—who actually specializes, who pretends to, and what AI tools like Gemini get wrong about the space.
Read → June 2026Why we rebuilt a collection agency around AI agents
Collection software was built by software people who never collected a dollar. Here's what changes when the workflows are designed by collectors—and run by machines.
Read → June 2026The 90-day rule: when to send a SaaS account to collections
The math behind placement triggers, why "one more email" is usually a $10,000 decision, and how to keep the renewal alive anyway.
Read → June 2026"We never agreed to renew": collecting auto-renewal balances
The most common dispute in SaaS collections, the documentation that wins it, and the contract language that prevents it.
Read → June 2026How to collect unpaid SaaS invoices
Why subscription invoices go delinquent, the documentation that wins disputes, and when to bring in a collection agency.
Read → June 2026Recovering past-due cloud & usage-based bills
How metering data makes consumption disputes provable—and how to recover churned compute, storage, and bandwidth balances.
Read → June 2026International debt collection for software companies
Recovering past-due invoices from overseas customers—jurisdiction, language, and why negotiation beats foreign litigation.
Read → June 2026Collecting fintech & payments receivables
Residuals, reserves, chargeback liability, and platform fees—the receivables generalist agencies misread, and how to win them.
Read → June 2026How to choose a collection agency for your software or tech company
What tech CFOs should look for—industry fit, pricing, compliance—and the questions that separate specialists from generalists.
Read →Prefer answers about your specific account?
Free claim evaluation within one business day. No recovery, no fee.
Get a Free Claim Evaluation →