Accounts Receivable, Handled.
You do the work.
We make sure you get paid.
Ledger & Lane acts as your dedicated billing team -- collecting outstanding invoices professionally and preserving the relationships you've built with your customers.
Your customers love your work.
They just forget to pay on time.
The average small business has over $250,000 in outstanding receivables at any given time. That's cash trapped in unpaid invoices -- cash that should be fueling your growth, not collecting dust in someone else's AP queue.
64%
of SMBs are paid late regularly
Late payments are the norm, not the exception -- especially for service businesses and contractors.
27 Days
average payment delay past terms
Your 30-day terms become 57-day terms when nobody is following up systematically.
$250K+
average outstanding AR for SMBs
That's working capital stuck on someone else's desk. It should be in your bank account.
Simple. Professional. Effective.
How Ledger & Lane Works
Step 01
We Plug In
Connect your invoicing system or send us your AR aging report. We learn your business, your customers, and your terms.
Step 02
We Follow Up
Our team reaches out to your customers as part of your billing department -- friendly, professional, and systematic.
Step 03
You Get Paid
Cash flows back into your account. You get weekly reports showing exactly what we collected and what's still outstanding.
Not a Collections Agency
We're your billing department,
not a last resort.
Traditional collections agencies damage your customer relationships. They call aggressively, threaten legal action, and make your business look desperate.
Ledger & Lane is different. We represent your brand. We reach out as your billing team. Your customers get a professional, friendly experience -- and you get paid faster.
White-Label Outreach
We contact your customers as your company. They never know we're a third party.
Relationship-First Approach
Professional, friendly communication that preserves your customer relationships.
Structured Follow-Up Cadence
Systematic outreach at Day 1, 7, 14, 30, and 45. Nothing falls through the cracks.
Transparent Reporting
Weekly reports showing every touchpoint, every dollar collected, every outstanding invoice.
Built for Businesses Like Yours
If you send invoices and wait too long to get paid, we're built for you.
Service Businesses
HVAC, plumbing, electrical, cleaning, landscaping, maintenance
General Contractors
Commercial and residential contractors with net-30/60 terms
B2B Companies
Any business selling products or services to other businesses
Professional Services
Consulting firms, agencies, IT service providers, staffing
Distributors & Wholesalers
Product distributors with recurring customer invoicing
Specialty Trades
Roofing, paving, flooring, painting, and specialty contractors
Trusted by Business Owners
Hear From Our Clients
"We had over $180,000 sitting in unpaid invoices. Ledger & Lane recovered $162,000 in the first 45 days. I couldn't believe how fast they moved."
Robert M.
Commercial Roofing Company Owner, Maryland
"They feel like part of our team. Our customers have no idea it's a third party -- the emails and calls are completely on-brand. Professionalism is top-notch."
Jessica T.
Facility Maintenance Company Founder, Indiana
"I was spending 10 hours a week chasing invoices. Now I spend zero. Ledger & Lane handles everything and I just watch the cash come in."
Jose R.
Electrical Contractor, Arizona
"Our DSO dropped from 58 days to 23 days in the first two months. The weekly reports are incredibly detailed -- I know exactly where every dollar stands."
Ye H.
IT Services Company CEO, Illinois
"Best business decision I made this year. The ROI is insane -- we pay them a fraction of what they recover. Should have done this years ago."
Manuel G.
General Contractor, Texas
"I was nervous about someone else contacting my customers. But Ledger & Lane's approach is so professional that I actually got compliments from clients about how organized our billing got."
Karen W.
Landscaping Company Owner, Ohio
"We had over $180,000 sitting in unpaid invoices. Ledger & Lane recovered $162,000 in the first 45 days. I couldn't believe how fast they moved."
Robert M.
Commercial Roofing Company Owner, Maryland
"They feel like part of our team. Our customers have no idea it's a third party -- the emails and calls are completely on-brand. Professionalism is top-notch."
Jessica T.
Facility Maintenance Company Founder, Indiana
"I was spending 10 hours a week chasing invoices. Now I spend zero. Ledger & Lane handles everything and I just watch the cash come in."
Jose R.
Electrical Contractor, Arizona
"Our DSO dropped from 58 days to 23 days in the first two months. The weekly reports are incredibly detailed -- I know exactly where every dollar stands."
Ye H.
IT Services Company CEO, Illinois
"Best business decision I made this year. The ROI is insane -- we pay them a fraction of what they recover. Should have done this years ago."
Manuel G.
General Contractor, Texas
"I was nervous about someone else contacting my customers. But Ledger & Lane's approach is so professional that I actually got compliments from clients about how organized our billing got."
Karen W.
Landscaping Company Owner, Ohio
"We went from writing off $30K-40K a year in bad receivables to almost zero. Ledger & Lane pays for itself ten times over."
Chris R.
HVAC Company Owner, Florida
"The onboarding was incredibly easy. Connected QuickBooks, had a kickoff call, and they were making outreach calls by the end of the week."
Angela P.
Staffing Agency Founder, North Carolina
"My old collections agency burned three customer relationships. Ledger & Lane has collected more money AND my customers actually thank us for the follow-up. Night and day difference."
Tom H.
Commercial Cleaning Company Owner, Michigan
"As a one-person operation, I couldn't afford a full-time AR person. Ledger & Lane gives me a whole billing department for less than a part-time hire."
Nina S.
Consulting Firm Owner, Colorado
"They collected a $47,000 invoice that was 90 days overdue -- one I had basically written off. Paid for two years of their service in a single recovery."
Rigo V.
Plumbing Contractor, California
"The monthly strategy calls are worth the retainer alone. They helped us restructure our payment terms and now we get paid 15 days faster on average across all customers."
Rachel B.
Distribution Company VP of Finance, Tennessee
"We went from writing off $30K-40K a year in bad receivables to almost zero. Ledger & Lane pays for itself ten times over."
Chris R.
HVAC Company Owner, Florida
"The onboarding was incredibly easy. Connected QuickBooks, had a kickoff call, and they were making outreach calls by the end of the week."
Angela P.
Staffing Agency Founder, North Carolina
"My old collections agency burned three customer relationships. Ledger & Lane has collected more money AND my customers actually thank us for the follow-up. Night and day difference."
Tom H.
Commercial Cleaning Company Owner, Michigan
"As a one-person operation, I couldn't afford a full-time AR person. Ledger & Lane gives me a whole billing department for less than a part-time hire."
Nina S.
Consulting Firm Owner, Colorado
"They collected a $47,000 invoice that was 90 days overdue -- one I had basically written off. Paid for two years of their service in a single recovery."
Rigo V.
Plumbing Contractor, California
"The monthly strategy calls are worth the retainer alone. They helped us restructure our payment terms and now we get paid 15 days faster on average across all customers."
Rachel B.
Distribution Company VP of Finance, Tennessee
Stop Leaving Money on the Table
Get a free, no-obligation audit of your outstanding receivables. We'll show you exactly how much cash you're leaving on the table -- and how fast we can bring it back.