A Dedicated AR Operation.
Priced Around Your Results.

The retainer and the commission do two different jobs. The retainer funds the continuous operation — the daily outreach, the follow-up cadence, the escalation protocols, the reporting. That work happens regardless of whether an invoice moves this week or next. Without it, you get reactive calls, not a structured AR operation.

The performance commission is the results layer. It only applies when cash actually lands — and the rate is tied to how old the invoice was when we recovered it. The older and harder the account, the higher the rate. That structure means we are paid to get results, not just to show up.

A retainer-only model makes us advisors without teeth. A commission-only model makes us collectors. The hybrid is what makes this an advisory engagement that actually moves money.

Your monthly retainer is fixed — confirmed during your AR Aging Diagnosis and documented before work begins. That number does not change month to month unless your AR portfolio changes significantly in size.

The performance commission is variable, but it is bounded by your AR itself. You can model a reasonable high-case scenario by applying the applicable rate to your current aging buckets. In practice, the earlier we move your invoices — which is the goal — the lower the commission rate, and the more cash you net.

Both figures are documented in your engagement agreement before a single call is made. There are no surprise fees, no scope creep charges, and no billing outside of what was agreed. If you need a cost projection before the diagnostic, we can walk through a rough estimate on a 15-minute call.

Most building material suppliers with internal AR teams still have aging buckets that are not moving. That is not a reflection on your team — it is a reflection on bandwidth. AR follow-up in the 0–60 day window is time-intensive, requires consistent daily execution, and competes with every other priority on your team’s plate.

BlackOx Capital does not replace your AR team. We work alongside them — or we handle the accounts your team cannot get to consistently. Your team sets the strategy. We execute the cadence. And we do it using your company name, your templates, and your tone.

The question is not whether you have an AR team. The question is whether your 60–90 day bucket is moving. If it is not, that is where we work.

Yes — the retainer covers the operation, not just the outcome. But this is the wrong frame. A more useful question is: what is the cost of your invoices sitting in the 60–90 day bucket without structured intervention?

Our track record across engagements in Washington and Oregon shows consistent movement within the first 30–45 days. The AR Aging Diagnosis we conduct before onboarding is specifically designed to assess recovery probability across your open accounts — we will tell you honestly if an account is unlikely to move before we take it on.

If at any point the engagement is not delivering value, you can exit on a monthly basis. We do not hold you to a long-term contract because we are confident in our results. No fine print. No exit fees.

Smaller suppliers often feel this more acutely than larger ones — because every dollar sitting in aging AR represents a larger share of your operating capital. A $150,000 invoice at 75 days is a more significant cash event for a $10M supplier than it is for a $100M one.

Our Tier 1 program is specifically structured for suppliers with annual revenue from $2M to $20M. The retainer is scaled to your AR portfolio size, not your revenue. If you carry $500K or more in open receivables, for most clients, the fees pay for themselves once we collect on the first stuck account.

The AR Aging Diagnosis is free and takes 30 minutes. We will tell you at the end of that call whether the engagement makes financial sense for your business. If it does not, we will tell you that too.

Your customer data, AR aging reports, and account details are used exclusively to execute your engagement. We do not share, sell, or reference any client data with any third party for any reason. All information is covered under your engagement agreement, which includes a full confidentiality clause. BlackOx Capital operates as an extension of your team — and we treat your data the way a trusted employee would.

They won’t know it’s us. Every outreach goes out under your company name — your email domain, your phone number if applicable, your tone. If a customer asks your team directly, the answer is simple: your AR department followed up. Because that is exactly what happened. We are your AR department for these accounts. There is no cover story needed because there is no third party visible.

Most engagements begin showing movement in the first two to three weeks — specifically on the accounts where payment was being delayed by administrative friction rather than financial hardship. The accounts with genuine disputes or financial difficulty take longer, and we will tell you that upfront during the AR Aging Diagnosis.

We do not promise a timeline we cannot defend. What we can tell you is that Day-31 outreach, done consistently, produces earlier payment responses than Day-60 outreach done reactively. That is the entire model.

The difference is control and visibility. Most outsourced AR operations use their own brand, their own scripts, and their own judgment. We use yours. You approve the outreach templates before we send a single message. You see every contact we make in your weekly PTP report. You can stop any outreach at any time.

We are not an AR vendor operating independently — we are an embedded extension of your team, and you hold the controls. If a previous experience damaged relationships, it was because the outreach was not branded and supervised as yours. Ours is.

No. Engagements run month to month. If your AR is clean and you no longer need active management, you can wind down the engagement without penalty. Some clients scale down after the initial push and retain us on a lighter maintenance cadence. Others exit entirely once the backlog is cleared. Either way, there is no lock-in and no exit fee. We want clients who stay because we are delivering value — not because a contract says they have to.