An honest comparison
JMJ Billings vs. hiring someone to chase invoices
An AR hire costs a salary and works business hours. JMJ runs the same follow-up discipline — every invoice, every day, attorney-reviewed — for a flat $179 a month.
At some point every growing business does the math: the owner is spending nights on unpaid invoices, so maybe it’s time to hire someone to do the chasing. Sometimes it is. But most small operations don’t have a full-time-person amount of AR work — they have a consistency problem. That’s a software-shaped problem, and it’s worth comparing honestly before you write a job post.
The honest math for most small businesses
The typical small business doesn’t lose money on receivables because nobody could chase them — it loses money because chasing is nobody’s whole job. Follow-up happens in the gaps, the gaps disappear in a busy month, and invoices quietly age past the point where anyone feels comfortable making the ask.
JMJ exists for exactly that failure mode. The cadence never gets busy, never dreads the awkward email, and never forgets a Tuesday follow-up. Your customers hear from your business — your domain, your name, professional tone at every stage — and you only step in for the handful of decisions that deserve an owner’s judgment.
When hiring is actually the right call
If your receivables involve heavy phone work, complex account reconciliation, negotiated payment plans on large balances, or carrier/insurance billing that needs a human on hold for hours — a person is the right tool, and JMJ becomes their force multiplier rather than their replacement. Plenty of JMJ customers have a bookkeeper or office manager; JMJ just takes the repetitive follow-up off that person’s plate so their hours go to the work that needs a human.
FAQ
The questions owners ask about this choice
Straight answers — including the ones that don’t favor us.
Can JMJ fully replace an AR employee?
For email-based follow-up on standard invoices — yes, that’s exactly what it does, with more consistency than any single hire can offer. For heavy phone collections, complex reconciliation or negotiated plans, keep the human and let JMJ handle the repetitive cadence underneath them.
What does my team still have to do?
Approve the handful of decisions the AI surfaces — disputes, escalations, collections handoffs. Most weeks that’s a few clicks. Everything else runs on schedule without anyone touching it.
We already have a bookkeeper. Does JMJ conflict?
No — it complements. Your bookkeeper keeps the books; JMJ runs the follow-up and hands them a clean, documented trail of every communication and payment. Most bookkeepers are the first to recommend it.
We already have a controller or AR manager. Does JMJ still make sense?
Yes — and it’s often the clearest fit. JMJ doesn’t replace that person; it removes the repetitive chase from their day so they can focus on the finance work that actually needs a human — forecasting, reconciliation, margin, closing the month. They approve the handful of decisions the AI surfaces and let the cadence handle the rest. You keep the expertise on staff and stop paying it to send follow-up emails.
Pricing
One flat price. Unlimited invoices. No surprises.
No per-user fees, no per-invoice fees, no setup fee. See what each package includes and pick the one that fits.
Weighing other options?
Ready when you are
Ready to skip an in-house AR hire?
Set up in minutes, then let JMJ run the follow-ups from your own domain — so you can see what it’s like to get your time back. Flat monthly pricing, unlimited invoices, cancel anytime.
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