Invoicing + payment + follow-up in one place — live now

Get paid faster. Zero chasing.
Stop giving up 30% to collection agencies.

CollectIQ sends your invoices, takes secure online payments through Stripe, and follows up with polite reminders on autopilot, all for one flat monthly fee. Built for commercial cleaning companies, staffing agencies, trucking and logistics operators, and trade contractors. You do the work. We make sure you get paid for it.

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How CollectIQ keeps your account secure
  • We never hold your money. Payments go through Stripe, straight to your bank.
  • Your data stays yours. It's encrypted, and each business is walled off from every other one.
  • Two-step sign-in before sensitive actions like connecting a bank, and every action is logged.
How we protect your account →
Launched July 2026 · built in public by a solo founder
98%
Of recovered revenue stays yours — versus 60–75% with an agency. Before your plan and Stripe processing.
1min
To create and send an invoice. Three fields, one button.
$0 held
Stripe-backed payments go from your customer straight to your bank. CollectIQ never holds your money.
Integrates with the tools your team already uses
Q
QuickBooks Online
X
Xero
S
Stripe
One place, start to finish

From invoice to paid, without the chasing.

Most small businesses pay for one app to send invoices and spend hours chasing the ones that go unpaid. CollectIQ does the whole job.

Create the invoice

Pick the customer, type what you did and the price. About a minute.

It's emailed for you

Sent from your business name, with a "Pay now" button. Replies come straight to you.

They pay online

By card or bank transfer. The money goes to your bank account, not ours.

Reminders go out on their own

3 days before it's due, on the due date, then 7, 14 and 30 days late. Polite and in your name.

Stops when they pay

The invoice is marked paid and the reminders stop. Still unpaid after 30 days? It's flagged for the next step.

One subscriptionInvoicing, online payment and follow-up are all included. No second app to pay for.
You stay in controlAutomatic reminders stay off until you switch them on. You can also send one with a single click.
Already use QuickBooks or Xero?Keep it. CollectIQ can bring in the invoices you already have and follow up on those too.
Bills you owe, too

The money going out, handled in the same place.

Accounts payable is included. Snap a photo of a vendor bill and CollectIQ does the typing, checks for mistakes and reminds you before it's due. You approve every bill and every payment.

Snap or upload the bill

A PDF or a phone photo of any vendor bill: supplies, fuel, rent, subcontractors.

AI reads it for you

Vendor, bill number, dates, line items and total, filled in. Anything unclear is flagged, never guessed.

You check and approve

Nothing moves until you say so. A bill that looks like one you already approved is stopped as a possible duplicate.

It goes to your books

Approved bills post to QuickBooks Online or Xero. The original PDF or photo stays attached in CollectIQ.

Paid on time

Pick the pay date and split it across up to three of your own bank accounts. You get a reminder 3 days before, on the day, and if it's late.

Your money stays yoursCollectIQ never holds funds. Payments come from your own bank accounts, and every one needs your approval and a two-step sign-in.
See both sidesWhat customers owe you and what you owe vendors, in one app. No separate bill-pay subscription.
A record of every billWho approved it, when, and when it was paid, all dated and logged.
See it in about a minute

If you can fill out a form, you can use CollectIQ.

No setup project, no training, nothing to install. Here is everything you do, and everything your customer sees.

you · new invoice
Acme Logistics
Office cleaning, October
$1,250
In 15 days
Total$1,250.00
Send invoice →
STEP 1 · YOUFill in three things

Who, what, and how much. Then press Send.

your customer's inbox
From: Sparkle Commercial Cleaning
Subject: Invoice SCC-0042 for $1,250.00

Hi Acme Logistics, here is your invoice for October. It's due November 2.

Pay $1,250.00 now
STEP 2 · AUTOMATICIt's sent in your name

Your customer sees your business, not ours.

secure payment page
Amount due$1,250.00
Bank account (ACH)
Card
Pay
STEP 3 · YOUR CUSTOMERThey pay in a few clicks

Card or bank. Payments are processed by Stripe.

you · invoices
SCC-0042 · $1,250.00
Invoice emailed
Reminder sent on the due date
Paid by bank · on its way to your bank
7-day reminder (not needed)
14-day reminder (not needed)
STEP 4 · AUTOMATICPaid. Reminders stop.

You didn't send a single follow-up email.

Why not an agency

Three ways to chase late invoices. Only one lets you keep the money and the customer.

Collection agencies and in-house hires both come with a real price tag. CollectIQ replaces both with software you run yourself.

COLLECTION AGENCY
25–40% of everything they recover
Your customer hears from a third party they've never met, usually after the invoice is already badly overdue. It often ends the relationship you've built.
FULL-TIME COLLECTIONS CLERK
$3,500–$5,000+ a month
Salary, benefits, training and management overhead, whether invoices get paid or not.
COLLECTIQ
Flat monthly plan, plus 2% only on late invoices we recover
Sends your invoices, takes payment online, and follows up politely under your business name, starting before the due date. Invoices paid on time cost you nothing extra, and nothing is charged on invoices that never get paid.

On $50,000 recovered, you keep $49,000 with CollectIQ. With an agency charging 30%, you keep $35,000. That's $14,000 that stays in your business instead of someone else's.CollectIQ figure reflects the 2% success fee, before your monthly plan and standard Stripe processing fees. Agency rates typically range from 25% to 40%.

Collection Agency In-House Clerk CollectIQ (Growth)
Monthly cost 25–40% of your recovered cash $3,500–$5,000+ plus benefits From $89/mo + 2% only on invoices we recover
What you keep on $50,000 recovered $35,000 $50,000, minus salary and benefits $49,000
Sends your invoices No, only chases old ones Yes, by hand Yes, with online payment built in
Working hours 9 AM–5 PM, Mon–Fri 9 AM–5 PM, Mon–Fri 24/7/365 automation
Customer relations Often aggressive or impersonal Inconsistent follow-up Polite, systemized reminders
Your take-home You lose up to nearly half High overhead, before results You keep 98% of what is recovered, before card and bank fees
How it works

One minute of your time. Then it runs itself.

Here is exactly what you do, and exactly what your customer sees. Already have unpaid invoices? Bring them in from QuickBooks, Xero or a spreadsheet.

01 / You
Fill in three fields and hit send
Who it's for, what it's for, and how much. No training, no setup project.
02 / Automatic
It goes out under your business name
A clean, professional invoice lands in your customer's inbox. Replies come back to you.
03 / Your customer
They pay in a few clicks
Card or ACH bank transfer, on a secure Stripe payment page. No account to create, no check to mail.
04 / Autopilot
It marks itself paid and the reminders stop
Until then, polite reminders go out on the schedule you switched on: 3 days before the due date, on the due date, then 7, 14 and 30 days late. The moment they pay, everything stops.
Features

Everything you need to get paid

INVOICING + AUTOPILOT
Invoices that follow up on themselves
Create an invoice in your business name and your customer gets a "Pay now" button for card or bank. If it isn't paid, friendly reminders go out 3 days before the due date, on the due date, then 7, 14 and 30 days late. The moment they pay, the invoice marks itself paid and the reminders stop.
1min
To create and send an invoice your customer can pay online
0
Follow-up emails you have to write yourself
IMPORT
Bring in the invoices you already have
Already billing from QuickBooks or Xero, or keeping a spreadsheet? Bring those unpaid invoices in and CollectIQ follows up on them too, all in one list.
PRIORITIES
Know who to follow up with first
Every customer gets a simple score based on how late they are, how much they owe, and how they've paid before. Your list sorts itself so the biggest and most likely payments are on top.
PAYMENT PLANS
Payment plans for tough accounts
When a customer can't pay all at once, CollectIQ suggests a payment plan or a pay-today discount and drafts the message. You read it and approve it before anything is sent.
RECORDS
A record of everything
Every invoice, reminder, payment and change is dated and logged. If a customer ever disputes a bill, you can show exactly what was sent and when.
Pricing

One flat fee. No percentage of the money you were always going to get.

Every plan includes invoicing, online payments, automatic reminders, and QuickBooks Online and Xero sync. Try it free for 30 days, no credit card required. We only earn the 2% when we earn it:

No setup fees. No per-seat charges. Cancel anytime. Card and bank processing is passed through at Stripe's standard rates.

What you keep
Recovered Agency at 30% CollectIQ at 2% You keep with CollectIQ
$10,000 −$3,000 −$200 $9,800
$50,000 −$15,000 −$1,000 $49,000
$100,000 −$30,000 −$2,000 $98,000

The 2% applies to one situation only: an invoice that passed its due date and was then collected through CollectIQ. There is no platform fee on an invoice your customer paid on time, none on an invoice that is never collected, none on money a customer sends you directly without CollectIQ's involvement, and none on your subscription. Payments go directly to your bank through Stripe. CollectIQ never holds your money.

Getting paid online. Like any payment app, card and bank processing costs are passed through at Stripe's rates and taken out before the money reaches you. On a $1,000 invoice you receive about $965.75 if your customer pays by bank, or about $941.45 by card, with CollectIQ's 2% included. On an invoice paid on time there is no 2%, so you keep that $20 as well. Bank payments cost much less, so CollectIQ offers them first.

Not sure which one fits? Pick the plan that sounds like your business. You can move up or down at any point during the trial, and nothing is charged for 30 days.

Solo
Freelancers, consultants, and one-person businesses. You send the invoices yourself, and you are the one following up when they go unpaid. Up to 150 invoices a month.
$89
per month · 1 user
+ 2% only on invoices we recover
Pays for itself if you recover just one $100 invoice this month.
  • Invoicing, online payment & automatic reminders
  • Up to 150 invoices a month
  • Bring in QuickBooks & Xero invoices
  • Who-to-follow-up-first ranking
  • Email reminders in your business name
  • Customer payment page
  • SmartDiscount settlement engine
  • Messages written in your style
  • App-based 2FA
  • Email support
✓ Enterprise-grade 2FA account protection
Starter
Small agencies, contractors, and professional firms. A bookkeeper or office manager handles invoicing, and chasing payment eats into their week. Up to 500 invoices a month.
$229
per month · up to 3 users
+ 2% only on invoices we recover
Pays for itself if you recover just one $300 invoice this month.
  • Invoicing, online payment & automatic reminders
  • Up to 500 invoices a month
  • Bring in QuickBooks & Xero invoices
  • Who-to-follow-up-first ranking
  • Email reminders in your business name
  • CSV import
  • Payment plan configurator
  • Audit log (30 days)
  • LitReady™ case files (add-on)
  • Email support
✓ Enterprise-grade 2FA account protection
MOST POPULAR
Growth
Established businesses with a finance function. Someone already owns collections, and you have considered hiring another person for it.
$499
per month · up to 10 users
+ 2% only on invoices we recover
Pays for itself if you recover just $500 in overdue cash this month.
  • Invoicing, online payment & automatic reminders
  • Up to 1,500 invoices a month
  • Payment plan drafts (you approve)
  • Bring in QuickBooks & Xero invoices
  • Dispute management
  • Audit log (1 year)
  • LitReady™ case files (add-on)
  • Priority support + onboarding
✓ Enterprise-grade 2FA account protection
Enterprise
Replaces a full-time collections team at scale
From $999
per month · custom pricing
Replace outsourced collections at scale with custom automation.
  • Invoicing, online payment & automatic reminders
  • Unlimited invoices
  • Unlimited users
  • White-label & custom branding (available on request)
  • Custom domain (available on request)
  • SAP / NetSuite / custom ERP connections (available on request)
  • Custom AI tone & compliance rules
  • Single sign-on, SSO / SAML (available on request)
  • API access (available on request)
  • Dedicated success manager
  • LitReady™ court-ready case files — included
  • Custom implementation support
✓ Enterprise-grade 2FA account protection

All plans include a 30-day free trial. No credit card required to start.

Enterprise & White Label

Built for teams that need more

Enterprise plans are custom-priced based on your account volume, number of users, and features required. White-label options let you deploy CollectIQ under your own brand.

✓
Volume-based pricing
From $999/mo up to $6,000+/mo, based on monthly invoice volume
✓
White-label available on request
Deploy CollectIQ under your brand with your logo, colors, and custom domain
✓
Success-based option
Pay a percentage of recovered invoices instead of a fixed monthly fee
✓
API integration, on request
Embed CollectIQ directly into your existing software platform via API
ENTERPRISE PRICING GUIDE
Up to 3K invoices/mo
$999/mo
3K-10K invoices/mo
$2,500-3,500/mo
10K-25K invoices/mo
$4,000-6,000/mo
White-label add-on
+$500/mo
Custom domain
+$200/mo
API access
+$500/mo
Get a custom quote
We'll respond within 1 business day
We respond within 1 business day · No obligation
ROI calculator

See your exact recovery potential

Adjust the sliders to match your business. CollectIQ calculates how much you could recover — and what it's worth.

Annual AR outstanding $2,000,000
$100K$20M
Average days overdue 45 days
15 days180 days
Current collection rate (without AI) 41%
20%70%
Your industry
Number of AR accounts 150 accounts
102,000
Your estimated annual recovery
$234,000
additional revenue recovered per year
Without CollectIQ $820,000
With CollectIQ AI (modeled) $1,054,000
CollectIQ plan cost (Growth, annual) $1,910/yr
Net ROI 122×
Payback period < 3 days
Hours saved per week (manual outreach) ~14 hrs
Recover $234,000 more this year — your first recovered invoice covers the entire annual plan.
Start your free trial →
📧 Email me these results
Your exact calculation, in your inbox — plus what to do about it.
Based on staffing industry averages · industry benchmark data

Estimates are illustrative projections based on published industry benchmarks for B2B AR automation. Actual results vary by team size, customer mix, and outreach cadence — CollectIQ makes no guarantee of specific recovery outcomes.

Built in public

A company you can look up, and a founder who answers.

⭐ Google review
"Kinecia built the website for my cleaning business, and the whole process was fast and easy. She designed it in my black-and-gold branding, set up a quote form that sends new leads straight to my email, and connected my domain without disrupting my business email. She explained everything in simple terms and was always quick to respond."
Leslie Johnson
Owner, JL Elite Cleaning Services · Memphis, TN
🎙️
Featured on The Federal Subcontractor Blueprint podcast — "The 90-Day Trap: How Subcontractors Protect Cash Flow Before the Win."
As heard on
The Federal Subcontractor Blueprint · July 2026
🔐
Security on every plan: two-step sign-in before sensitive actions, each business's data walled off at the database level, encryption in transit and at rest, and payments processed by Stripe (PCI DSS Level 1). See how we protect your account.
Security first
Two-step sign-in · Data walled off · Stripe payments
⚡
When a prospect's team asked a security question, two-factor authentication shipped to every tier within 24 hours. Customer requests don't go into a backlog — they go into production.
Founder-built
Kinecia Wheeler · Founder & CEO, Miami FL

Federal & enterprise buyers

Certified. Registered. Contract-ready.

CollectIQ Technologies LLC is certified by the U.S. Small Business Administration and actively registered in SAM.gov for federal contracting.

SBA Certified

Women-Owned Small Business (WOSB)

Certified by the U.S. Small Business Administration, effective August 12, 2026.

SBA Certified

Economically Disadvantaged Women-Owned Small Business (EDWOSB)

Certified by the U.S. Small Business Administration, effective August 12, 2026.

Registered

SAM.gov — Active

Eligible for federal prime contracts and subcontracting opportunities.

UEI
V4VPWY7XB6E5
CAGE
224H8
Primary NAICS
541512
Business size
Small Business

CollectIQ Technologies LLC · 4 W Dania Beach Blvd, Dania Beach, FL 33004 · hello@trycollectiq.com · (954) 270-1678

Capital Access
Need cash before the invoice lands?

CollectIQ collects. For the gap that remains — payroll, fuel, carriers — get connected to working capital, SBA loans, and selective factoring through our vetted partner network.

Explore capital options →
No fees to ask · No obligation · No hard credit pull
Coming in 2027

What we're building next

Launching 2027
Bookkeeping, built in
Every invoice and payment posts to your books on its own, cash or accrual, with a clean package ready for your CPA at tax time. No separate accounting software to buy.
Get bookkeeping early access ↓
Launching 2027
Freight operations software
AI handles loads, rate confirmations, carrier onboarding and driver updates, while a person makes every final call. Built for brokers and fleets.
Join the freight waitlist →
You're on the list. We'll reach out before launch.

No spam. One email when early access opens.

See it first

You already earned it.
Let's get it into your account.

Send your first invoice in a minute. Let the reminders run themselves. Keep your customers and keep your money. Start your 30-day free trial — no credit card required. Prefer to see it first? Schedule a free live demo — I'll walk you through the platform on your own numbers, then set your account up with you.

No credit card required · Cancel anytime
You're on the list!
You're booked-in! I'll reach out within 1 business day to schedule your live demo. Questions? hello@trycollectiq.com
Free onboarding call
30-day free trial
Live now — onboarding new teams daily
FAQ

Questions owners ask before they start

I'm not a tech person. Is this hard to use?
No. Sending an invoice is a short form: who it's for, what you did, and the price. Press Send and you're done. If you'd like help, schedule a free demo and we'll set up your first invoice together.
Does the AI send anything without my OK?
Only if you tell it to. Automatic reminders stay off until you switch on Autopilot, and you can switch it off any time. You can also send one reminder at a time with a single click. Messages about overdue balances and payment plans are drafted for you to read and approve before anything goes out.
Who do the emails come from? Will my customers know?
Every invoice and reminder shows your business name, and when a customer replies, it goes to your email. The emails are short, polite and professional, the same kind of note you'd write yourself.
What does it cost to get paid online?
Card and bank processing is passed through at Stripe's rates. On a $1,000 invoice that CollectIQ recovered you receive about $965.75 if your customer pays by bank, or about $941.45 by card, with our 2% included in both. On an invoice paid on time there is no 2%, so you keep that $20 as well. Your dashboard shows the estimate before you press Send.
Where does the money go?
Straight to your business bank account through Stripe, the payment company used by millions of businesses. CollectIQ never holds your money.
Can I bring in the unpaid invoices I already have in QuickBooks or Xero?
Yes. Connect QuickBooks Online or Xero on any plan, including Solo, and your existing invoices come in with it. Not on either one? Upload a spreadsheet (CSV) and you're set in minutes.
Do I still need QuickBooks or another invoicing app?
Not to send invoices and get paid. CollectIQ does that. Many owners keep their accounting software for bookkeeping and taxes, and CollectIQ can connect to QuickBooks and Xero to follow up on invoices you've already sent from there.
Is CollectIQ compliant with B2B collections regulations?
CollectIQ is designed for B2B collections, which operates under different regulations than consumer debt. Every message CollectIQ sends is logged with the date and time. We recommend your legal team review outreach templates before activating automated sending. Enterprise plans include full compliance customization.
How does CollectIQ decide who to follow up with first?
Each customer gets a score from 0 to 100 that weighs how much they owe against how long it has been outstanding. A higher score means the account is worth your attention sooner. Your list sorts itself, so you always know where to look first.
Which accounting software does CollectIQ work with?
QuickBooks Online and Xero connect on every plan, including Solo at $89. Every plan can also create invoices in CollectIQ directly and upload a spreadsheet (CSV) of invoices you already have. Other systems, such as NetSuite, are available as custom connections on Enterprise. All integrations sync via OAuth — no credentials stored.
Can the emails come from my own email address?
Every invoice and reminder shows your business name, and replies go straight to your own inbox. If you'd like emails sent from your own domain (for example billing@yourcompany.com), ask us about Enterprise.
How long does onboarding take?
Most teams are live within 24 hours. CSV import takes minutes. ERP integrations typically take 30–60 minutes including field mapping. Growth and Enterprise customers receive a dedicated onboarding call to configure templates, scoring thresholds, and automation rules.
Do I need a credit card to start?
No. Every plan starts with a 30-day free trial with no credit card required. You only add payment details if you decide to continue after seeing what it recovers.
Is CollectIQ a collection agency?
No — and that's the point. Collection agencies take 25–40% of what they recover and burn your customer relationships. CollectIQ is software you own: outreach goes out under your name, in your voice, and our fee is 2% only on invoices that went past due and we then collected. Nothing is charged on invoices paid on time, and nothing on invoices that never get paid.
Can I cancel anytime?
Yes. No contracts, no cancellation fees. Cancel in two clicks from your dashboard.
Free Tools

Find out what waiting is costing you.

Two free tools. No email required. Real numbers in under a minute.

🔍
The Bottleneck Diagnostic
Four questions. 30 seconds. Find out exactly which bottleneck is slowing your cash — and what it's costing you.
Take the diagnostic →
🧮
The ROI Calculator
Drag the sliders. See the cash trapped in your receivables, your factoring cost, and what CollectIQ frees up — live.
Run your numbers →
Plans from $89/mo
30-day trial · no card
Start Free →