Industries · SaaS & Software
SaaS companies run on recurring revenue—we recover the part that stops recurring
Software receivables are not like other receivables. A SaaS invoice dispute turns on usage logs, auto-renewal terms, and contract language that a generalist agency cannot read. Panther Chase works only software, SaaS, and tech accounts—contingency-only, no recovery no fee.
What we recover for SaaS companies
- Unpaid subscription and auto-renewal invoices—monthly, annual, multi-year
- Usage and consumption overages billed after the fact
- Annual contract balance shortfalls and committed-minimum make-whole amounts
- Seat license shortfalls and tier-upgrade unpaid balances
- Chargeback and reserve disputes from payment processors
- Professional services and onboarding invoices attached to the subscription
Why SaaS receivables need a specialist
Every SaaS billing dispute follows the same pattern: the customer used the product, then claimed they should not have been billed. “We never signed,” “we cancelled,” “the auto-renew was unauthorized,” “the usage tier is wrong.” A generalist agency hears those defenses and stalls. A specialist builds the claim from your contract, your usage logs, and your rate card—before the first phone call—and walks the debtor through what they actually owe.
We also understand the billing-dispute mechanics unique to SaaS: usage tiers that trigger at arbitrary thresholds, SLAs that define uptime credits in narrow terms the customer may misinterpret, auto-renewal clauses buried in the fine print, and the “we never signed” defense that usually collapses when the MSA turns up signed in the CRM. The evidence trail—contract, usage logs, rate card—has to be assembled before anyone picks up the phone. That is not how generalist agencies are staffed or trained.
See our B2B collection service for how the five-step process works, or read about commercial software debt collection for the core vertical.
The startup-debtor reality
Your customers churn, downsize, get acquired, and sometimes dissolve. When a SaaS debtor goes quiet, the question is whether the entity still exists—and whether the principals who signed are reachable. Our investigation finds dissolved entities, flags distressed accounts from public signals, and pursues the individuals who personally guaranteed the contract.
For SaaS companies, the debtor base often includes startups and SMBs that raised capital during a market that no longer exists. They are burning through runway, and AR is the first line item they stop paying. Placing an account early—within 90 days of delinquency—dramatically improves the odds of recovery before the debtor’s financial situation deteriorates further. Our soft-audit program handles accounts under 100 days past due without sounding like collections.
How we perform in SaaS
- 85.3% success on claims above $5,000 placed within 12 months of delinquency
- 23.6 days average resolution on placed accounts
- 25% / 33% / 40% contingency—no recovery, no fee
- Claims from $5,000 to $1M+ accepted
- SOC 2 Type II (report under NDA) · licensed in every state that licenses commercial collection agencies
- US desks in Pasadena, LA, SF, and NY · London desk · 15+ countries
How SaaS collections work, start to finish
When you place a SaaS account with us, we start with a one-business-day evaluation: we review the contract, the invoices, and the dispute history (if any) to decide whether the claim has a path to recovery. If it does, we assemble the evidence package—contract, usage logs, rate card, renewal delivery proof—before anyone contacts the debtor. First contact goes out within the first week. For debtors who respond, most accounts resolve inside 30 days. For debtors who stall, the escalation path runs from documented demand to executive-level negotiation to, in fewer than 5% of placed accounts, forwarded litigation.
We never run an automated dialer or send a form letter that sounds like it was written for a credit card debt. Every SaaS claim is handled by a human negotiator who understands the billing model and speaks the language of the software industry.
Frequently asked questions about SaaS collections
How soon should I place a SaaS receivable?
Within 90 days of delinquency. The first 90 days are the window where the debtor still intends to pay but has not gotten around to it, the dispute can be resolved from the data, and the relationship can be preserved. Every month beyond 90 drops the recovery odds measurably.
Do you handle usage-based billing disputes?
Yes—those are the most common disputes in SaaS. Consumption overages for compute, API calls, storage, or seats are documented by the platform itself, and the usage logs are the first thing we audit before making contact.
What if the debtor is outside the US?
We work international debtors through a London desk and vetted local partners in 15+ countries, at the same contingency rates as domestic placements. There is no surcharge for crossing a border.
Unpaid SaaS subscriptions eating your MRR?
Send the contract, usage logs, and unpaid balance. Free evaluation within one business day.
Get a Free Claim Evaluation → 626-657-6050