Receivables Copilot

Invoices go out. Follow-ups get sent. Your money comes in.

Receivables tracking and cash-flow visibility for specialty contractors. EmTé installs the system on your current tools, then runs it with you every month. Nothing is sent without your approval.

25 minutes · No commitment · Connected to QuickBooks, Outlook, Excel.

The real problem

The work is done. The money drags.

Paid in 80 days on average, while payroll goes out weekly. $7.2B a year in late payments in Quebec.

The "Friday" follow-ups that never get sent — because on Friday, you're on a job site.

Contract holdbacks never claimed at substantial completion.

Time-and-material extras done, scribbled on paper, never invoiced.

Why accounting software alone isn't always enough

Your accounting software records. It doesn't do the follow-ups for you.

Your accounting software — QuickBooks, Sage, Acomba or another — does its job well: recording. We connect to it, we don't replace it. But follow-up is a process, and without a process it doesn't happen:

No follow-up sequences.

An overdue invoice ages in silence unless someone remembers.

No job-site view.

You can't see which project is draining your cash.

No holdback or extras tracking.

What isn't invoiced yet doesn't exist in your books.

That's not a flaw in your accounting software. It's just not its job. Receivables Copilot does that job, on top of your tools.

The system

What EmTé puts in place

Disciplined invoicing — every job invoiced on time, in full, extras included.

Follow-up sequences you approve — tone, timing, escalation: validated with you first, and every email goes out after your OK.

Aging board — who's past 60 days, who's nearing 90, and the planned action for each.

Holdback and extras tracking — logged, dated, claimed on time.

Public contracts: payment deadlines have been regulated since September 2025 — we track them for you.

Pricing

A price locked at the diagnostic. A round monthly.

Implementation — $4,900 (starter: follow-ups + invoicing + tracking board) up to $7,900 (full system: holdbacks, T&M extras, 60-90 day board, connection to your accounting software). Your exact price is locked in the diagnostic report.

Copilot — $1,000/month, 3-month minimum: EmTé sends the follow-ups after your approval, delivers the one-page monthly report, and meets you once a month.

Copilot tracks every open account — typically 30 to 80 active invoices. It's the equivalent of half a day of clerk time per week, with no hiring, no training, no turnover — and the system keeps running even when the office is slammed. A single $10,000 holdback claimed on time is worth ten months of service.

Visibility

The one-page monthly report

Every month: invoices followed up (how many, which) · amounts collected · average payment delay and its trend · anomalies (holdback due, uninvoiced extra, account slipping toward 90 days) · next actions, prioritized.

Five minutes to read. You know where your money is.

Concrete

Two sample follow-up emails

Sent only after your approval, from your address, with your signature. Payment-logistics calls (agreeing on a date) are us or you — decided upfront in the sequence. Delicate calls — disputes, credit — always stay yours.

Follow-up 1 — 5 days past due

Subject: Follow-up — Invoice 2041 · Beauport project

Hi Martin, Following up on invoice 2041 ($12,480, due June 12) for the Beauport project. If payment is already on its way, please disregard this message. Otherwise, could you confirm the expected payment date? Thank you, [Your name] · [Your company]

Follow-up 2 — 20 days past due

Subject: Invoice 2041 · 20 days past due — Beauport project

Hi Martin, Invoice 2041 ($12,480) remains unpaid 20 days past its due date. If anything is holding up payment — a release, a document, a confirmation — let us know and we'll resolve it this week. If we don't hear back by July 10, we'll call to agree on a payment date. Thank you for your cooperation, [Your name] · [Your company]

FAQ

The questions we get

Is it you or a robot chasing my clients?+

Both, in order: the tool drafts, you approve, EmTé sends from your address, with your signature. Never an automatic send without your knowledge.

Does this replace my bookkeeper?+

No. No bookkeeping, no accounting advice. We connect to your accounting software and work upstream: invoice, follow up, track.

Do you guarantee I'll get paid faster?+

No — nobody serious can guarantee that. What we guarantee: invoices go out, follow-ups get sent, tracking gets done, and you see it all in the monthly report.

Why a 3-month minimum?+

Because a payment cycle averages 80 days in Quebec. Under 3 months, nobody can judge the system over a full cycle.

What happens if you're not available?+

The system lives in your accounts: the board, alerts and follow-up drafts keep generating. In my absence, your office person can approve and send — documented at setup, with a one-page procedure. Extended absence: the monthly fee is suspended, not billed.

Your next 80 days can go differently.

  • Implementation $4,900–$7,900 — price locked at the diagnostic
  • Copilot $1,000/mo — follow-ups handled, monthly report
  • Nothing is sent without your approval
Step 1/2

Your contact details