Three million businesses.
One billing problem.
Florida has the third-largest small business population in the country and one of the highest receivables-to-revenue ratios in the South. Tourist-cycle volatility, hurricane disruption, and seasonal staffing turnover all push DSO up. We push it back down.
Avg FL B2B services DSO (state benchmark)
Avg DSO our FL clients hit by Q2 of engagement
Avg 90+ day bucket as % of total AR
US-based, white-labeled to your brand
Five regions, one operator.
Hospitality vendors
Linen, F&B distribution, attractions services, FF&E installs. We work the resort and franchise AP cycle without becoming part of the noise.
Marine & port
Yacht service, dockside fuel, port logistics, marine construction. Specialized vendors, fragmented buyers — exactly where AR slips.
Restoration & trades
Post-storm work creates explosive AR. We handle insurance proceeds tracking and TPA follow-up so the cash hits before the next season.
Commercial services
Janitorial, MEP, pest control, security. Recurring monthly billing with the discipline of an in-house controller.
Hurricane Ian buried us in restoration work. Without Payment Shield chasing the insurance proceeds we'd have funded $400K of payroll out of pocket. They earned the engagement that quarter.
Florida-specific questions
Do you understand Florida's construction lien law?+
Yes. Florida Statutes Chapter 713 requires a Notice to Owner within 45 days of first work and a Claim of Lien within 90 days of last work. We track those deadlines per job and hand off documentation to your construction attorney.
Can you collect on insurance proceeds after a storm?+
Yes — TPA follow-up, ACV/RCV reconciliation, and proper documentation of supplemental claims are part of our restoration vertical playbook.
Do you work bilingually for South Florida AP departments?+
Yes. Our follow-up cadence supports Spanish-language AP contacts where the buyer prefers it.
How quickly can we start?+
Most Florida engagements go live within 10 business days of contract — aging review, kickoff, branded email setup, and first cycle.
Ready to fix A/R in Florida?
Free aging review. No commitment. We'll tell you exactly where the leaks are.