Invoice generation, systematic debtor follow-up, payment allocation, and ageing reports — handled by ICAI-qualified accountants at $300–$700/month. Reduce debtor days by 5–15 days within 3 months.
Sharma Jyoti & Co manages your full accounts receivable cycle for businesses in the US, UK, and Australia — invoice generation, payment allocation, systematic debtor follow-up on a defined cycle, and monthly AR reconciliation — all inside your existing Xero, MYOB, or QuickBooks. Most clients see debtor days improve by 5–15 days within 3 months while saving 60–70% compared to local AR staff.
The most common AR problem is not bad debtors — it is inconsistent follow-up. Most business owners chase invoices only when cash gets tight, which means slow payers learn they can delay payment without consequence. Outsourcing AR to a dedicated team in India means every overdue account is contacted on a defined schedule, every cycle, without exception. This one change — consistency — is what drives the improvement in debtor days. It pairs directly with our accounts payable service for complete cash flow visibility: receipts coming in vs payments going out, tracked weekly by the same team.
End-to-end AR management — from invoice generation through to payment and monthly reconciliation.
Full cost comparison — every way a business can handle AR, including the true cost of doing it yourself:
| Option | Annual Cost | What You Get |
|---|---|---|
| Local AR specialist (salary) | $45,000–$65,000 | One person — no backup, sick leave cover extra |
| Part-time bookkeeper handling AR | $15,000–$30,000 | AR as secondary task — often deprioritised |
| Business owner does it (DIY) | 5–10 hrs/week of your time | Inconsistent follow-up, high opportunity cost |
| Sharma Jyoti & Co — India | $3,600–$8,400/year | CA-qualified team, consistent every cycle, team backup included |
Monthly retainer: $300–$700 depending on invoice volume and follow-up scope. Get a personalised quote →
Every overdue account is contacted on a defined schedule — no exceptions, no skipped cycles.
Invoice delivered with payment terms stated clearly (14 or 30 days). Logged and tracked from day one.
Courtesy reminder email sent automatically — friendly tone, no pressure. Reduces late payments before they start.
Follow-up email with a copy of the invoice attached. Firm but professional tone under your business name.
Second email plus a phone call for accounts over your agreed threshold. Disputed invoices flagged immediately.
Formal statement sent showing all outstanding invoices. Final notice before escalation to you.
Escalation to you for a decision — payment plan, dispute resolution, or collections referral. You retain full control of this stage.
All communications go out under your business name from your email domain. You agree the script before we start. You retain full control of escalations and exceptions.
The research on debtor behaviour is consistent: customers pay faster when they know follow-up is guaranteed. A debtor who receives a reminder email 2 days before the due date, a follow-up 7 days later, and a phone call at 21 days learns very quickly that this business does not let invoices slide. Payment terms are trained over time — and outsourcing AR to a dedicated team is the most reliable way to enforce that training, because unlike a business owner or a part-time bookkeeper, a dedicated AR team has one job: to contact every overdue account, every cycle.
Most clients see debtor days improve by 5–15 days within 3 months of starting systematic follow-up. For a business with $500K in annual revenue and 45-day average debtor days, reducing to 30 days releases approximately $20,500 in cash. This alone often covers the annual cost of the service many times over. Combined with our bookkeeping service, you also get accurate monthly AR balances in your P&L — no more estimated debtors at year-end.
Faster payment receipt means less working capital tied up in unpaid invoices. Predictable cash in reduces reliance on overdraft.
Professional, consistent follow-up avoids the awkward owner-to-client chase. Boundaries are clear; relationships stay intact.
Every payment allocated on receipt means AR balances are accurate in real time — not guessed at month-end.
Stop spending 5–10 hours per week chasing invoices. Those hours go back to revenue-generating work.
Pair AR with AP for complete cash flow visibility — receipts coming in and payments going out, tracked weekly by the same team.
Learn More →Full monthly bookkeeping — AR and AP included as standard. Clean, reconciled financials delivered by the 5th business day each month.
Learn More →Monthly bank reconciliation confirms every AR receipt was correctly allocated — catch any missed or incorrectly coded payments.
Learn More →CFO-level cash flow forecasting built on accurate AR data — when payments are expected, what is at risk, and how to plan around it.
Learn More →Systematic debtor follow-up · Weekly ageing reports · 5–15 day improvement in debtor days.
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