How does the autonomous 5-stage cadence work?

Jaktra continuously monitors invoice due dates and aging buckets. Based on your schedule configuration, it automatically advances accounts through 5 staged notices: from courteous pre-due reminders to firm overdue follow-ups and final demand notices. You configure the delay between stages and can require manual approval before any stage dispatches.

What happens when a debtor disputes an invoice?

The moment a debtor replies or submits a dispute through the self-service portal, Jaktra immediately pauses all cadence timers for that invoice. This prevents inappropriate automated collection notices while an issue is under review. Disputes are categorized with reason and notes, and an AI-drafted reply proposal is prepared for your team.

Does Jaktra send emails from my own domain?

Yes. Jaktra integrates directly with your SendGrid, Resend, or custom SMTP server. All outbound reminders and escalation notices originate from your verified business address (e.g., billing@yourcompany.com) with full SPF, DKIM, and DMARC alignment.

Can debtors set up installment payment plans?

Yes. When debtors access their secure portal, they can request structured multi-part payment plans. Once approved, Jaktra generates individual installment schedules and tracks partial settlements, keeping collection cadences paused as long as installments remain on track.

How do debtors pay invoices through the portal?

Every notification includes a tokenized, zero-friction link to a branded Debtor Portal. Debtors require no password or login. They can view line items, download PDF copies, submit notes, and settle immediately via integrated online checkout (e.g., Razorpay).

Can we control escalation tones and copy?

Absolutely. Each of the 5 escalation stages has customizable subject lines, email templates, and AI tone prompts (from courteous reminders to firm formal demand letters). You retain complete authority over your brand voice.

How do I import existing invoices into Jaktra?

You can bulk-import invoices via CSV upload or synchronize them via our REST API. Jaktra automatically parses customer details, line items, currency, issue dates, and due dates, instantly slotting each account into its correct aging bucket.

How is debtor data isolated and secured?

Jaktra enforces strict tenant isolation at the database layer. All sensitive credentials—such as SMTP passwords and payment gateway secrets—are encrypted with AES-256 at rest. Webhook payloads are cryptographically signed using HMAC SHA-256, and data in transit is protected by TLS 1.3.

Is there an audit log of all communications?

Yes. Jaktra maintains an immutable, tenant-scoped Activity Log recording every event: email dispatch and delivery status, debtor payment link views, dispute submissions, installment agreements, and manual cadence overrides.

What is included in the Free plan?

The Free plan includes up to 10 active invoices and 1 user seat with full access to the 5-stage cadence engine, debtor portal, CSV import, dispute detection, and SendGrid/SMTP delivery. It is permanently free with no credit card required.

Can multiple team members access the workspace?

Yes. Jaktra supports role-based team management (Admin, Member, and Auditor). You can invite finance colleagues with specific permissions, allowing AR specialists to manage cadences while safeguarding tenant configuration.

What happens if an email bounces or delivery fails?

Jaktra captures webhook delivery events and tracks bounces or drops. Unrecoverable failures are routed to a built-in Dead-Letter Queue (DLQ) with diagnostics, ensuring your team can inspect issues without losing track of overdue accounts.

Commercial Contractors & Specialty Trades

Eliminate the Construction Cash Crunch: Cut 80+ Day DSO and Recover Retainage

Trade contractors fund weekly payroll and materials while waiting 60 to 90+ days for pay applications. Jaktra automates progress billing check-ins, triages change-order disputes via AI, and accelerates cash flow without damaging GC relationships.

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The Longest Days Sales Outstanding (DSO) in the Economy

Across commercial construction, the average DSO hovers between 75 and 85 days. With 10% retainage withholdings, pay-when-paid clauses, and unapproved change-order delays, subcontractors are forced into costly payroll line-of-credit financing.

Read DSO Playbook

Contractor Cash Flow & Retainage Calculator

See how shortening your collection cycle unlocks working capital and slashes LOC interest fees.

Annual Billing Volume:$6,000,000

Current Baseline DSO:82 days

Standard Retainage Withholding:10%

Simulated DSO Compression Goal:-15 days

Total Trapped Working Capital

$1,347,945

Locked in outstanding pay apps

Retainage Trapped on Jobs

$600,000

Withheld until final signoff

Modeled Capital Released (-15 Days DSO):+$246,575

Current Financing Cost (9.5%):$128,055 / yr

Modeled Annual LOC Interest Saved:$23,425 / year

Construction AR Workflow

5-Stage Tone Escalation Workflow for Contractors

How Jaktra balances respectful progress billing follow-ups with statutory mechanics lien protections.

Stage & Timing	Tone Classification	Key Safeguard	Operational Objective
01Pay App & Lien Waiver Pre-Due Confirmation	Courteous, Administrative	[Clerical Safeguard]Eliminates the classic GC excuse: "We never received your monthly waiver paperwork."	Day -5 to Due Date
02Owner Funding & Disbursement Check-in	Friendly, Inquiring, Respectful	[Dispute Agent]If the GC cites owner non-payment or architect punch lists, Jaktra tags status and pauses aggressive steps.	Days 1–14 Overdue
03Direct GC Controller & Installment Resolution	Professional, Firm, Commercial	[Zero-Login Portal]Allows instant settlement via Razorpay (NEFT, corporate NetBanking, cards) from job-site mobile devices.	Days 15–25 Overdue
04Project Executive & Jobsite Staffing Warning	Formal, Direct, High-Stakes	[Commercial Coordination]Automatically loops in your project executive and lead estimator before sending.	Days 26–30 Overdue
05Lien Rights Protection & Legal Stop	Final Demand / Statutory Preservation	[Compliance Guardrail]100% human credit committee review required before filing formal mechanics lien claims.	Day 31+ Overdue

Stage 01Day -5 Pre-DueDay -5 to Due Date

Pay App & Lien Waiver Pre-Due Confirmation

Verifies AIA G702/G703 paperwork before the monthly billing cycle closes

Verifies that AIA G702/G703 payment applications, conditional lien waivers, and certified payroll records were logged before the general contractor's monthly billing window closes.

Clerical Safeguard

Eliminates the classic GC excuse: "We never received your monthly waiver paperwork."

Tone Profile:Courteous, Administrative

Stage 02Days 1–14 OverdueDays 1–14 Overdue

Owner Funding & Disbursement Check-in

Respectful inquiry regarding project owner funding releases and payment batch dates

Polite inquiry regarding project owner funding releases and the GC's scheduled payment batch date. Accommodates pay-when-paid realities without creating unnecessary adversarial tension.

Dispute Agent

If the GC cites owner non-payment or architect punch lists, Jaktra tags status and pauses aggressive steps.

Tone Profile:Friendly, Inquiring, Respectful

Stage 03Days 15–25 OverdueDays 15–25 Overdue

Direct GC Controller & Installment Resolution

Commercial coordination offering structured milestone installments for stalled disbursements

Direct communication with the GC's chief accounting officer. If project disbursements are stalled, Jaktra offers milestone installment options to maintain cash flow while protecting project staffing.

Zero-Login Portal

Allows instant settlement via Razorpay (NEFT, corporate NetBanking, cards) from job-site mobile devices.

Tone Profile:Professional, Firm, Commercial

Stage 04Days 26–30 CriticalDays 26–30 Overdue

Project Executive & Jobsite Staffing Warning

Direct notice that prolonged receivables lag threatens trade staffing and jobsite mobilization

Authoritative executive communication warning that prolonged receivables lag directly threatens upcoming trade staffing, material procurement, and jobsite mobilization.

Commercial Coordination

Automatically loops in your project executive and lead estimator before sending.

Tone Profile:Formal, Direct, High-Stakes

Stage 05Day 31+ (Legal Halt)Day 31+ Overdue

Lien Rights Protection & Legal Stop

Dunning halts; compiles documentation for statutory mechanics lien deadlines

Autonomous dunning strictly halts. Locks all communication logs and prepares certified documentation for legal counsel ahead of statutory preliminary notice or mechanics lien deadlines (Miller Act / state lien laws).

Compliance Guardrail

100% human credit committee review required before filing formal mechanics lien claims.

Tone Profile:Final Demand / Statutory Preservation

Pay App & Lien Waiver Sync

Jaktra coordinates gentle, administrative check-ins aligned with monthly application cutoff dates. Verifies whether AIA G702/G703 applications, conditional lien waivers, and backup documentation have been received by the GC before the billing window closes.

Change-Order & Punch-List Triage

When a GC replies stating that a change order was not approved or that a punch-list inspection is pending, Jaktra’s NLP DisputeAgent automatically categorizes the inquiry, freezes automated cadences, and alerts your project executive.

Retainage Release Tracking

Retainage accounts for the entire contractor profit margin on many jobs. Jaktra features dedicated retainage escalation workflows that trigger when substantial completion is logged, systematically ensuring retainage draws are processed.

Zero-Login Mobile Settlement

Project superintendents and GC finance managers are rarely in front of a desk. Jaktra’s tokenized /i/:token portal allows GCs to view payment statements and authorize instant payment via Razorpay directly from mobile devices.

Traditional Construction AR vs. Jaktra

Eliminate the manual chasing cycles that lead to cash crunches and missed lien notice windows.

Workflow	Jaktra Autonomous AR	Manual Subcontractor Chasing
Pay App Submission Check	Automated pre-due waiver & certified payroll verification	Discovered missing on cutoff day after GC rejects pay app
Change-Order Disputes	NLP halts dunning, routes dispute to PM immediately	Endless email threads; GC sits on entire pay app
Retainage Recovery	Dedicated substantial completion retainage cadence	Forgotten for 6+ months until final closeout audit
Lien Deadline Safety	Stage 5 Legal Stop halts at Day 31+ for attorney review	Lien rights expire silently at 60/90 days past last work
Mobile Jobsite Payment	Zero-login tokenized link (`/i/:token`)	Requires GC accounting desktop login and paper checks

Frequently Asked Questions: Construction AR

Common questions about automating progress billings, managing lien deadlines, and preserving contractor relationships.

Commercial trade contractors often deal with general contractors waiting on project owner disbursements. Rather than blasting aggressive overdue demands that antagonize the GC, Jaktra initiates courteous administrative check-ins (Stage 1 & 2) that verify whether pay application paperwork, lien waivers, and certified payroll records are approved. If the GC indicates the owner hasn't released funds, our NLP agent tags the status, adjusts the follow-up cadence, and alerts your project executive.

Accelerate Construction Cash Flow with AI in 15 Minutes

Connect your accounting system to Jaktra today. Free during Early Access with zero credit card required.

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