Canada built the software. The US bought it. The invoice is stuck at the border.

Canada is the fifth-largest SaaS market on earth—2,300 software companies and $21 billion in revenue, from Toronto's fintech corridor to Vancouver's AI shops to the quiet B2B strength of Ottawa and Montreal. And the US is the biggest customer many of them will ever have.

Here's the trap: the border is close, so a US receivable can look domestic until entity, currency, tax, and enforcement questions surface. If nobody owns escalation, the invoice keeps aging—and a US debtor learns the invoice never gets serious.

The neighbor problem

Distance is usually the debtor's best weapon in international collection. With Canada, there's no distance—and that works against you. A Canadian vendor may use its usual follow-up process on a US customer. But that debtor may have different approval chains, payment terms, and escalation triggers—and "it's just across the border" stops being true the moment the invoice hits 90 days.

There's also the entity trap: the Canadian parent signs, the US subsidiary adopts, and the debtor points at whichever one isn't invoiced. The contract decides—and the entity record decides the contract.

What we do for Canadian software companies

• US-side execution for US debtors. Calls from a US number during US business hours, backed by the contract and account history. The debtor hears a collector with a deadline, not another reminder.
• Entity tracing across the border. Canadian parent, US subsidiary, or a US reseller in between—we find the liable entity before we make the demand.
• Use the file you already have. Signed agreements, usage logs, acceptance records, promise-to-pay emails. The evidence works on both sides of the border.
• Same contingency worldwide. 25% under 12 months, 33% over, 40% on second placements—no recovery, no fee.

The short version

Your US customers aren't far away. That proximity can hide the operational and legal differences until the account is already 90 days past due. Our international desk runs the US side while your team keeps shipping. Send the file; the border stops being an excuse.