The money arrived. Nobody knows which invoices it pays.

One ACH covers twenty invoices. The remittance shows up days later in an email, or not at all. Meanwhile it sits in unapplied cash.

Send us last month's unapplied list

Sound familiar?

• ACH payments land with no remittance, or a truncated bank memo.
• One lump sum covers many invoices, and the remittance lists the wrong numbers.
• A customer paid less than the invoice and gave no reason.
• The hard ones go into an unapplied or short-pay bucket "for later". Later keeps growing.
• Your aging report shows customers past due who have already paid.
• You've asked customers to put invoice numbers on their payments. They don't.

What it costs

An aging report you can't trust, a close that drags, and customer balances that are wrong when someone calls. Short-pays get written off at year-end, not because they were valid, but because nobody had time to find out whether it was pricing, freight, a promo, damage or a simple mistake.

What you do today

A cash application clerk works the bank and lockbox file every morning, digging through remittance emails and PDFs and matching line by line. When volume grows, companies add another clerk. ERP auto-match catches the easy ones and leaves the messy ones for people. Enterprise cash-application software exists, but implementation is long and expensive for many mid-sized teams.

What we do

We match each payment to its invoices, ready for your team to post, and explain each short-pay with its likely reason and the document that shows it, so your team can decide what to do. You get a clean unapplied balance and an aging report you believe.

See what clears from your unapplied list

Send last month's unapplied cash report and a few of the remittances behind it. We'll come back with which payments match which invoices, and the likely reason behind each short-pay, then walk you through it in 15 minutes. We're taking on a few AR teams this quarter. We never contact your customers.

How your data is handled. You send us exports you pull yourself, by email. We never ask for logins to your systems, portals or bank. NDA on request. When you ask, we delete your files and confirm it in writing.