Steinfin runs the operational work between invoicing and payment: past-due follow-up, payment promises, disputes and deductions, cash application and the next action on every account. Your team keeps the decisions.
As a company grows, AR stops being a task and becomes a function. Invoices need monitoring. Past-due accounts need follow-up. Promises need checking. Disputes and deductions need routing. Payments need applying. And customers need consistent communication throughout.
of B2B sales are made on credit, on average, among US businesses surveyed
of B2B receivables are affected by late payment, on average, according to the same survey
Atradius, B2B Payment Practices Trends in the US 2026.
industry segments reported 10% or more of their aging dollars at 91+ days past due in Q1 2026.
Dun & Bradstreet, US Accounts Receivable Report Q1 2026, based on its commercial trade data network.Most past-due invoices are stuck for a reason: no one has approved them, something needs clarifying, or the money has arrived and not been applied. Each cause needs a different next action. That is why managed AR is more than reminder software.
Many invoices are not late because the customer will not pay. They are late because they have not cleared the customer's own process yet. Steinfin works through each step with the right person, whether that is a formal AP department or the owner who signs the checks.
At each step we record where the invoice is, who has it and what happens next, so nothing waits on an inbox.
Revenue grows, the customer base grows and invoice volume grows. The people handling AR often do not. Steinfin takes on agreed day-to-day receivables work while your team keeps commercial control.
How AR outsourcing worksAn internal hire means recruiting, salary and payroll costs, training, management, software and cover for time off. Steinfin is an agreed managed-service scope for one monthly fee. Neither is always the cheaper option; it depends on your volume and how steady the work is.
Take on one part of the receivables process or all of it. Each stage links to how that service works.
Pricing differences, missing documentation, PO problems, short payments, customer claims and approval issues all hold up cash. Steinfin identifies the issue, records it, routes it, tracks it and follows up. It never makes an unauthorized commercial decision.
Accept, credit or contest: your call. Steinfin never approves a deduction or writes off a balance.
Getting the customer to pay is one process. Matching received cash to the right invoices is another, and when it lags, customers get chased for invoices they have already paid.
One payment covering several invoices, partial payments, missing remittances, short payments and unapplied cash, matched and flagged.
How cash application worksA backlog needs sorting before ongoing work can run well: old open invoices, payments not applied, stale promises, unresolved disputes and records with no next action.
How AR cleanup worksSteinfin handles agreed payment follow-up in your company's name, to rules you set for each kind of customer. The commercial relationship, and every decision about it, stays with you.
You grant access from your own account, at the level you choose, and can remove it at any time. We never ask for your password.
You send exports, such as an AR aging report and open invoice list, and we work from those.
You see what was done, what customers said, which promises are due, which disputes are open, what needs your input and what happens next, without managing the follow-up yourself.
Every plan includes regular reporting. On Starter, that is a weekly report.
| Aging | Invoices | Amount |
|---|---|---|
| Current | 22 | £38,550$48,200€45,100C$65,550 |
| 1-30 days | 14 | £25,250$31,550€29,550C$42,900 |
| 31-60 days | 6 | £15,100$18,900€17,700C$25,700 |
| 61-90 days | 3 | £7,500$9,400€8,800C$12,800 |
| 90+ days | 1 | £2,500$3,150€2,950C$4,300 |
Sectors where invoices depend on approvals, documentation and high volume, so follow-up is a real operation rather than an occasional task.
We follow up with project and AP contacts and chase the documents that hold approval up. Contract terms, retainage and any legal remedies stay with you and your advisers.
We chase approvals and keep a high volume of invoices followed up, while you keep the client relationship.
Consistent follow-up across trade accounts, plus cash application and deduction tracking.
Follow-up in a tone you approve, so partners and account leads stop chasing their own clients.
We also work with manufacturers, logistics and freight companies, equipment rental businesses and other B2B companies that sell on credit terms.
A predictable monthly retainer that scales with the size and state of your ledger. Agreed up front, with no long lock-in.
| Feature | Starter | Growth | Scale |
|---|---|---|---|
| Monthly, from | £299$399€349C$499 | £599$799€699C$999 | Let's talk |
| Reminders and email and phone follow-up | |||
| Promise tracking | |||
| Weekly reporting | |||
| Dispute follow-up and payment plans | Not included | ||
| Cash application and AR cleanup | Not included | Not included |
Prices in USD, billed monthly. Starting prices scale with your ledger; Scale is quoted to the size of your ledger.
Tell us a little about your invoicing and we send back an honest read within one business day. Free, with no obligation.
Steinfin works with US B2B companies remotely: by email, by phone and through the access you give us to your accounting system. Your customers hear from your company.
We work in most US states. Collection rules differ by state, so we do not currently take on clients based in, or follow up customers located in: Alaska, Arizona, Arkansas, Florida, Hawaii, Idaho, Illinois, Indiana, Louisiana, Minnesota, Nebraska, Nevada, New Jersey, North Carolina, North Dakota, Oregon, Tennessee, Washington, West Virginia and Wisconsin, or the City of Buffalo, New York. Last reviewed 27 September 2026.
AR work involves customer and financial information, so access is limited to what the service needs and to the people working on your account. Your agreement with us is set out in your order form and our Service Terms.
Based in Canada? See Steinfin for Canadian companies, priced in CAD.
Steinfin runs day-to-day accounts receivable work for US B2B companies: invoice follow-up, payment promises, dispute and deduction tracking, cash application, AR cleanup and regular reporting. It is a managed service, so our people do the work, supported by our own systems.
It means an outside team handles agreed day-to-day AR work for you, such as following up past-due invoices, tracking promises and routing disputes. With Steinfin, your team keeps the commercial decisions and the customer relationships.
Yes. Some companies hand over all routine AR work; others give Steinfin a defined part, such as past-due follow-up, deductions or cash application, while their own team keeps the rest.
Yes, in your company's name, using wording, tone and channels you approve before we start. Key or sensitive accounts can be handled differently, or only as you instruct.
Yes. Credits, settlements, write-offs, payment plans outside the agreed rules and any escalation are your decisions. Steinfin never issues credit memos, writes off invoices, moves money or starts legal action.
Yes. Steinfin works alongside QuickBooks, Xero and Sage. You give us authorized access from your own account, at the level you choose, or send us regular exports if you prefer. We never ask for your password.
Usually through authorized access that you grant from your own accounting account and can remove at any time. If that does not suit your setup, you send regular exports, such as an AR aging report and open invoice list, and we work from those.
Yes, from the Growth plan. We record each dispute or deduction, gather the backup, route it to the right person and track it to resolution. Whether to accept a deduction, issue a credit or contest a claim is always your decision.
Yes, as part of the Scale plan. We match payments and remittances to the right invoices and flag short payments, overpayments and unapplied cash for you. We never move money.
Yes, as part of the Scale plan. Cleanup works through old open invoices, unapplied payments, stale promises and unresolved disputes, and gives every item a clear next step.
Plans are a monthly retainer in USD. Starter starts from $399 a month and Growth from $799 a month, scaling with the size and state of your ledger. Scale is quoted once we understand your ledger. The pricing page sets out what each plan includes.
Steinfin works with US B2B companies remotely in most states. Collection rules differ by state, so we do not currently take on clients based in, or follow up customers located in, Alaska, Arizona, Arkansas, Florida, Hawaii, Idaho, Illinois, Indiana, Louisiana, Minnesota, Nebraska, Nevada, New Jersey, North Carolina, North Dakota, Oregon, Tennessee, Washington, West Virginia and Wisconsin, or the City of Buffalo, New York.
Start with the free AR health check. Tell us a little about your invoicing and we reply within one business day with an honest read on where cash is being held up. If it makes sense to work together, we agree the scope and your customer rules, set up access, and begin.
See what is past due, what is stuck and what would get cash moving. It starts with a free AR health check.
Get a free AR health check