AR automation for contractors & subs
Stop chasing payments and get back on the jobsite
The work’s done, the draw is approved, and you’re still chasing the GC — or the homeowner, or the adjuster — for a check three weeks later. Every hour spent chasing payment is an hour you’re not bidding the next job.
Contractors, commercial subs and restoration companies live with the worst of receivables: large balances, progress draws, retainage, pay-when-paid GCs, and insurance carriers whose supplement back-and-forth turns net-30 into net-90. Whether you’re a general contractor, a commercial electrical, plumbing or mechanical sub, or a water/fire/mold restoration crew billing carriers and homeowners, chasing payment means stopping real work to send awkward emails. JMJ Billings runs a consistent, professional follow-up cadence on every invoice and draw — from your company’s own domain — so the asks keep going out while you’re on the next job.
Flat $179/mo · go annual and get ~2 months free · sent from your own domain · not a debt collector
Why contractors & subs businesses choose JMJ
Follow-up that fits how contractors & subs actually gets paid
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Handle progress draws and retainage
Multi-stage billing and held-back retainage are where money quietly slips. JMJ keeps the right cadence on every remaining balance and draw until it’s paid.
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Built for pay-when-paid GCs
Commercial subs wait on the general contractor’s schedule. JMJ keeps a steady, professional cadence on the GC so your approved draws don’t sit for 60+ days.
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Built for insurance-paced payments
Restoration and insurance-funded work stalls in carrier timelines and supplement disputes. JMJ keeps a steady, documented cadence going — and the right tone on deductible vs. carrier balances — so nothing falls through the cracks between mitigation, rebuild and final billing.
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Cut your DSO on big balances
Consistent, professional escalation is designed to shorten the time between “work complete” and “paid in full” — and free up the working capital tied to it.
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Never send an angry email again
Attorney-reviewed templates keep every message firm and professional, so a heated late-night message never costs you a referral or a spot on the next bid list.
How it works
Set it up once. Then let it run.
JMJ runs on top of how you already bill. You connect your invoices; the platform does the chasing, reads every reply, and brings you only the handful of decisions that actually need a human.
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Connect your invoices
Bring in your open invoices from QuickBooks, your spreadsheet, or however you bill today. Keep working exactly the way you already do — JMJ runs on top.
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We run the 9-stage cadence
From first courtesy reminder to final escalation, JMJ sends professional, attorney-reviewed follow-ups on every unpaid invoice — automatically, on schedule, from your own domain.
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AI triages every reply
When a customer responds, JMJ reads and understands it, flags disputes and promises to pay, and surfaces only the decisions that actually need you.
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You approve — or we recover
Most weeks your whole job is a few quick-click approvals. If a balance still won’t pay, JMJ hands it to collections — fully documented, at half the standard agency rate.
The difference
From your own domain — invisibly.
This is the part no other tool does. Every reminder, every statement, every escalation goes out from your email domain, under your business name, in your voice. Your customers see the company they hired — not a third-party collections tool, and never JMJ.
- Your sending domain. Messages come from you@yourbusiness.com — authenticated for premium inbox deliverability.
- Your brand, every stage. Attorney-reviewed templates carry your name and tone from first reminder to final notice.
- JMJ stays invisible. The work happens behind the scenes. Your customers only ever see your business.
FAQ
Contractors & Subs AR questions, answered
The questions contractors & subs owners ask most before they start.
Do I keep using QuickBooks for my jobs?
Yes. JMJ works alongside your existing billing — you don’t change how you bill. JMJ adds the follow-up layer on top.
Does it work for commercial subs chasing a GC, not just homeowners?
Yes. Whether the payer is a homeowner, a general contractor, a property owner or an insurance carrier, JMJ runs the same steady, professional cadence on the outstanding balance — from your own domain.
Can it handle restoration supplements and partial insurance payments?
Yes. JMJ tracks outstanding balances as payments come in and keeps the right cadence on what’s still owed — including separate rhythms for homeowner deductibles and carrier balances.
Is this debt collection?
No. JMJ is managed accounts receivable, not a debt collector. We keep invoices moving professionally in your name; only a truly delinquent balance is handed to collections, fully documented, at half the standard rate.
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.
Who we help
Serving more than just one industry
JMJ runs AR for businesses across the trades, healthcare and professional services. Explore how it works for another industry.
- Veterinary Veterinary clinics & animal hospitals See Veterinary AR
- Funeral Homes Funeral homes & cremation providers See Funeral Homes AR
- Commercial Cleaning Janitorial & commercial cleaning companies See Commercial Cleaning AR
- Staffing Agencies Staffing & temp agencies See Staffing Agencies AR
- Trucking & Freight Freight carriers & small fleets (5–50 trucks) See Trucking & Freight AR
- Bookkeepers & Accountants Run your clients’ AR from one console — and earn on every client you bring. Invite-only partner program. See the partner program
- Don’t see your industry? JMJ works for any business that invoices on net terms and waits to get paid. See how it fits
Ready when you are
Ready to stop chasing contractors & subs invoices?
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.
Unlimited invoices · cancel anytime · see plans & pricing