Starting at 0%. Nothing if we don't collect.

Get paid for
your hard work.
Under your brand.

Connect your accounting system and we watch every invoice you send. If one goes overdue, we step in — under your brand, from your email. Your customers just see a friendly reminder from you. You only pay when we collect.

No credit card. One-click sync with QuickBooks, Xero, NetSuite, and more.

82%
Cash flow failures
of small businesses fail due to cash flow
$825B
In outstanding AR
across U.S. small businesses
27 days
Average delay
beyond payment terms on B2B invoices
How it works

One click.
We watch your books.

Connect your accounting system and we monitor every invoice for free. Paid on time? We stay out of it. Goes overdue? We step in.

Connects with

QuickBooks OnlineQuickBooks DesktopXeroNetSuiteFreshBooksWaveFreeAgentSage IntacctSage Business CloudMicrosoft Dynamics 365 Business CentralZoho Books
01

Connect your books

QuickBooks, Xero, NetSuite, or another supported platform — one click. We import every invoice you've issued and watch for new ones automatically.

02

We watch for payment

Every invoice is monitored silently. If it's paid on time, we do nothing — no fee, no noise.

03

We get you paid

After 90 days overdue we escalate across channels under your brand until your customer pays. The first 90 days of reminders are free.

The Discretion

Invisible to
your customers.

Every email, every SMS, every call goes out under your brand — your name, your email, your signature. Your customers never hear from a collections agency.

We collect as you

Payment reminders come from your email, with your name on them. Your customers think it's coming from you — because it looks like it is.

Your brand, always

Every reminder, every follow-up uses your company name. Your customers see your brand — never ours.

No awkward conversations

Nobody wants their clients to think they've been sent to collections. With Treasury Collect, they'll never know.

Our Approach

More than emails.
We escalate the channels.

You can send emails yourself. We do what you can't — or won't. Each stage adds new channels that make it progressively harder for your customer to ignore.

Friendly Outreach
Overdue by 1–90 days
EmailSMS

Polite reminders under your brand — email at first, SMS layered in as the invoice ages. Most invoices get paid in this window and you pay nothing.

Free
Multi-Channel Escalation
Overdue by 91–120 days
EmailSMSPhoneMulti-contact

Now we call. Not just the contact on file — we reach out to multiple people at the company. Accounts payable, the controller, the office manager. Someone will pick up.

2.9% collected
Demand Notice
Overdue by 121–150 days
EmailSMSPhoneLegal Letters

Formal demand letters from our legal team. These carry real weight — your customer knows you're serious. Most payments resolve here before court.

3.9% collected
Final Demand
Overdue by 151+ days
EmailSMSPhoneLegal LettersMulti-contact

Continued pressure across every channel, hitting multiple decision-makers at the company. Last stop before we escalate to legal remedies.

4.9% collected
Legal Enforcement
Legal action
Legal Action

When every other channel has been exhausted, and with your explicit approval, we pursue legal remedies. Court filings, attorney engagement, judgment enforcement.

Case by case
Why send us every invoice

The earlier, the cheaper.

Rates scale with how aged the invoice is when we recover it. If we’re watching from day one, anything paid in the first 90 days is free — only invoices that actually age into escalation cost anything. Wait until an invoice is 90+ days overdue to send it, and you’re starting at 2.9%. It costs nothing until we collect.

The Terms

Pay only when
we collect.

Monitoring is always free. The first 90 days of reminders after an invoice goes overdue are free. After that the rate scales with how aged the invoice is when we recover it — 2.9% through 91–120 days, up to 4.9% past 150 days. Nothing ever if we don't collect. No contracts, no monthly fees, no hidden costs.

Example · 100-day-overdue invoice
Overdue invoice$10,000
We collect$10,000
Our fee (2.9% · 91–120d tier)−$290
You get$9,710
Rate depends on age at recovery — 0% if paid in the first 90 days, up to 4.9% past 150 days. Would have been $0 if you wrote it off.
Questions

Answered.

How do I get started?

Sign up for free and connect your accounting system (QuickBooks, Xero, NetSuite, FreshBooks, Wave, Sage, Zoho Books, FreeAgent, or Microsoft Dynamics Business Central). That’s it. We import your open invoices and watch for new ones automatically. Paid on time? We do nothing. Goes overdue? We step in.

Will my customers know I use a collections service?

No. We collect under your brand — your name, your email, your signature. Your customers just see a friendly payment reminder from you, not a third party. Treasury Collect is completely invisible.

When do you charge me?

Only when we collect, and the rate scales with how aged the invoice is when it pays. 1–90 days overdue is always free (friendly email + SMS reminders). 91–120 = 2.9%. 121–150 = 3.9%. 151+ = 4.9%. Legal action is case by case. Nothing ever if we don’t collect.

What if my customer pays directly to me?

Great — that counts. Once the invoice is marked paid in your accounting system, we sync the status automatically and back off. Our fee only applies if we actually helped collect it.

What channels do you use?

Email + SMS through the first 90 days (all free). Phone and multi-contact outreach from 91 days. Formal demand letters from 121 days. Intensified final demand past 150 days. Legal action as a last resort, only with your explicit approval.

What if my customer disputes the invoice?

We pause immediately and loop you in. We verify any disputed debt before continuing — which protects you legally too.

Do you handle B2C collections or just B2B?

B2B only, for now. We’re focused on business-to-business receivables where the recovery dynamics and legal framework are different from consumer debt. If you have a B2C book, reach out and we’ll let you know when we expand.

Stop chasing.
Start collecting.

Connect your accounting system. We do the rest. You only pay when we collect.

Get started free →