Credit management for electrical, solar, and specialty contractors in the Sacramento region. I clean up your receivables, screen customers before you hand them terms, and keep your lien deadlines from quietly expiring.
It's almost never one bad customer. It's three small gaps that compound over a couple of busy seasons.
I was a credit analyst at a national electrical distributor, underwriting contractor accounts. I read the financials. I called the trade references. I decided who got terms, how much, and on what conditions — and I watched which contractors got paid on time and which ones ended up in my collections queue.
The difference was almost never the quality of the work. It was whether anyone was minding the credit side of the business. Most small contractors can't justify a full-time credit manager. That's the job I do, part-time, for a handful of companies at once.
Good. Keep it. Billing software sends the invoice, tracks its status, and emails a reminder when it ages. That's real work and it's worth what you pay for it.
What it doesn't do is decide anything. It won't tell you a customer should have been capped at $15,000, or that the GC on your biggest job has been stretching three other subs in this county, or that the reference who vouched for them is their brother-in-law. It won't call anybody. It won't tell you to stop shipping.
That's judgment, not automation, and it's the part that costs you money when it's missing. I work on top of whatever system you already run.
Flat fees, quoted before anything starts. No percentage of what you collect, no contingency, no surprises on the invoice.
| Service | Fee |
|---|---|
| Receivables assessment & cleanup A two-to-three week engagement. I rebuild your aging, rank every open account by collectibility, and hand you a prioritized action plan telling you exactly who to chase first and what to say. Most people start here. | $2,500$1,500–$3,500 by AR size |
| New account underwriting Before you extend terms to a new customer: commercial credit report, trade reference calls, and a written recommendation on the credit limit and payment terms you should offer. | $225per account |
| Credit policy build The paperwork you should have had from day one — a written credit policy, a real credit application, personal guaranty language, a terms sheet, and a step-by-step collection escalation ladder your office can actually follow. | $1,600one-time |
| Fractional credit managerMost common Ongoing. I underwrite your new accounts, review the aging with you monthly, run the follow-up calendar, track every preliminary notice and lien deadline, and tell you when to stop shipping to someone. Month to month — cancel with 30 days' notice. | $1,500/mo$750–$2,500 by volume |
Worth being blunt about, because it changes how we'd work together.
Twenty minutes, no charge, no pitch deck. Send me the aging and I'll tell you on the call what I'd go after first and roughly what it's worth. If that's all you need, take it and run with it.
Send your aging report