You finished the job. The customer approved the work. Now the invoice is 30, 60, or 90 days overdue. For electricians, plumbers, HVAC contractors, roofers, painters, landscapers, carpenters, excavators, fabricators, and other contractors, every unpaid invoice ties up money you need for payroll, materials, equipment, and the next project.
Nexa helps contractors nationwide recover overdue residential and commercial accounts without turning every payment dispute into a legal battle. We combine professional follow-up, persistent negotiation, debtor research, and appropriate escalation—and when lien or bond rights may apply, timing matters. The goal is simple: recover the money you earned while protecting your time, cash flow, and valuable customer relationships.
In construction, a ‘gentleman’s agreement‘ on payment usually ends where the 90-day lien window expires—we ensure your right to get paid is legally secured before that door slams shut.
Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigious debtor check, free bankruptcy scrub, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant. Over 2,000 online reviews rate us 4.85 out of 5.
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We are not a general debt collector. We are construction finance recovery specialists.
The Construction Cash Flow Epidemic: Your 94-Day DSO Solution
The greatest financial threat to the construction industry is not market volatility—it is payment delay. In 2024, the cost of slow payments reached a staggering $280 Billion in the U.S., driving cash flow instability across the supply chain.
If your firm’s average Days Sales Outstanding (DSO) exceeds 60 days, you are shouldering unnecessary risk. NexaCollect is a specialized commercial collection agency built to tackle the industry’s current average 94-Day DSO head-on.
| The Problem (2024/2025 Data) | The NexaCollect Solution |
| 82% of Contractors face payment delays exceeding 30 days. | We initiate legal and financial pressure at Day 31 to maximize recovery velocity. |
| Delays are masked by excuses like “Pay-When-Paid” clauses. | We immediately deploy Mechanics Liens and Surety Bond Claims—legal tools that supersede contract excuses. |
| Traditional collection rates are poor (20-30% average). | Our specialized B2B focus delivers proven recovery rates that can reach 70% on viable commercial debt. |
Specialized Recovery for General Contractors & Subcontractors
Your debt collection process must be an extension of your legal department. We specialize in the two most powerful collection levers in the construction field:
A. Mechanics Lien Strategy & Enforcement
A lien is the ultimate form of payment leverage. We don’t just file paperwork; we manage the complex, state-specific legal timeline to ensure your claim is valid and enforceable.
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Preliminary Notice Management: We guarantee the timely service of all statutory notices (Notice of Furnishing, Notice to Owner) to secure your lien rights from the first day of work.
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Lien Triage: We evaluate your project documentation (AIA Contracts, Change Orders, Pay Applications) to build an irrefutable claim before the lien is filed, preventing costly legal counter-disputes.
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Deadlines Secured: We ensure your claim is filed and served before the state’s stringent deadlines expire (often 90 days from the last day of work), protecting you from an automatic write-off.
B. Surety Payment Bond Claims
For public or bonded projects, the payment bond is your guarantee. We know how to navigate the complex Miller Act (federal) and Little Miller Act (state) requirements:
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We manage the strict deadlines for serving the Notice of Non-Payment to the General Contractor and the Surety.
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We file the formal bond claim against the financial institution guaranteeing payment, bypassing the GC’s cash flow entirely and accelerating the recovery process.
Financial Institutions: NPL Portfolio Management & Compliance
We partner with banks, asset-based lenders (ABLs), and construction factoring companies to manage Non-Performing Loan (NPL) portfolios and high-volume commercial receivables.
The AI-Driven Advantage
Banks demand a modern, compliant, and predictable recovery workflow. NexaCollect leverages AI and predictive analytics to transform your recovery outcomes:
| Metric | Why it Matters to Lenders | NexaCollect’s Impact (Based on Industry Benchmarks) |
| Predictive Scoring | Identify high-risk accounts early in the collection cycle. | Accounts are prioritized based on likelihood of payment, not just age, leading to faster case resolution. |
| Compliance Automation | Mitigate reputational and regulatory risk. | Real-time monitoring against all FDCPA/state regulations, leading to a significant reduction in potential legal exposure. |
| Operational Efficiency | Reduce the cost of collections (Cost to Collect). | Technology-driven processes can lead to a 40% reduction in operational expenses compared to manual collection efforts. |
Frequently Asked Questions (FAQ)
1. Can a contractor send an unpaid customer invoice to a collection agency?
Yes. Electricians, plumbers, HVAC contractors, roofers, landscapers, painters, carpenters, fabricators, and other contractors can refer legitimate unpaid invoices to a collection agency after their normal billing and follow-up efforts have failed. Providing the signed contract, invoice, work authorization, change orders, payment history, and customer communications can make the account easier to verify and pursue.
2. How long should a contractor wait before sending an overdue invoice to collections?
Contractors generally should not allow an unpaid invoice to sit indefinitely. Once an account has passed its agreed payment terms and reasonable internal follow-up has produced no result, early referral can preserve more recovery options. This can be especially important when mechanics-lien, preliminary-notice, or bond-claim deadlines may apply, because those deadlines vary by state and project type.
3. What documents should I provide to collect an unpaid contractor invoice?
Strong documentation can significantly strengthen a contractor collection claim. Useful records include the signed contract or estimate, invoices, purchase orders, work authorizations, change orders, completion records, delivery receipts, emails or text messages approving the work, payment history, and any notices already sent. For construction or subcontractor accounts, lien notices and project information may also be relevant.
4. Can Nexa help if a customer disputes the quality of the work or refuses to approve a change order?
Yes. Contractor debts frequently involve disputes over workmanship, scope, change orders, completion dates, or what the customer believes was included in the original price. Nexa reviews the account documentation and works to separate legitimate disputes from payment-delay tactics, then pursues resolution through professional negotiation and appropriate escalation rather than simply repeating payment demands.
5. Can a collection agency help contractors with mechanics liens or payment bond claims?
Potentially, yes. Mechanics liens and payment bond claims can provide important leverage on qualifying private, public, or bonded projects, but eligibility, notice requirements, and filing deadlines vary significantly by state. Nexa can identify accounts where lien or bond rights may be relevant and help coordinate the appropriate recovery path before critical deadlines are lost.
6. Will sending a customer or general contractor to collections hurt my business relationship?
It does not have to. A professional contractor collection agency acts as a third-party buffer between your company and the customer, allowing you to step away from repeated payment conversations. Nexa uses firm but professional communication designed to recover the balance without unnecessary confrontation—particularly important for contractors who depend on referrals, repeat customers, general contractors, property managers, and long-term commercial relationships.
Serving Contractors NationwideNeed a Collection Agency for contractors? Contact Us |
So if you are a Small business owner, Electrician, Plumber, Heating and Ductwork, Drywaller, Painter, Finish Carpenter, Tree Cutter, Mason, Roofer, Excavator, Landscaper, Cabinet maker, Fabricator, Architect and Interior design consultant; contact us to recover your unpaid bills.
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