Collections software that knows retainage is not late money.

Retention never enters the dunning ladder

Whether your book calls it retention or retainage, ReceivAR holds it apart from collectible AR automatically. Your aging, your escalation recommendations, and every collection letter run on trade AR only. No tool-generated demand letter will ever embarrass you in front of a GC over money that is not due yet.

Aging that starts at the release trigger

Retention aging from the invoice date is meaningless. ReceivAR tracks each job's release trigger (substantial completion, recorded NOC, punch signoff, warranty start) and counts days from eligibility, because "days since we earned the right to ask" is the only number that matters.

The Unbilled Retention report

Retention accrues on the contract, the job closes, and nobody ever cuts the invoice. It happens on real books all the time. ReceivAR compares the retention withheld on your jobs against what actually appears on your AR aging and shows you the money nobody asked for. Most firms find real dollars on the first run.

Everything else a collections platform should do

• Upload your weekly AR export; see exactly what changed: payments, partials, new invoices, aging
• Professional escalation letters, template or AI-drafted, always reviewed by you before sending
• Promise-to-pay tracking with automatic broken-promise flags and a recommended next step
• Cash flow forecasting that keeps milestone-driven retention separate from promise-driven collections