Open positionCovered by Clara
Accounts Receivable Specialist
Miami-Dade · Full time · Bilingual English/Spanish preferred
$57,186 a year, medianFlat monthly fee
Get paid for the work you already did.
Clara follows up on every past-due invoice in your company’s name, in English or Spanish, matches each payment against your bank and reports to you every Friday. She’s an AI specialist that our team sets up and supervises, for a fraction of a salary.
Open duty“Friendly collection calls and e-mails”
CoveredFollow-upsEmail and phone, in English or Spanish
Open duty“Apply payments and reconcile accounts”
CoveredPayment matchingEvery deposit against your open invoices
Open duty“Statements to customers”
CoveredStatementsMonthly, or when your rules say
Open duty“Track retainage and lien deadlines”
Flagged, not filedLien and NTO deadlinesYou or your NTO service file
We read 163 South Florida job ads for small-business AR roles. In 135 of them, Clara can take the collections work off the job. Your bookkeeper goes back to the books.
Your software sends the reminder. Clara reads the reply, logs the promise to pay, matches the payment when it lands and tells you what came in.
Clara is following up on 18 invoices
Asking you
Palmetto Shell wants to split $14,066 into two payments. There’s no rule for this yet.
ReplyMake it a rule
This week
AllFollow-upsPaymentsDeadlines
Illustration of a week’s work, with made-up companies.
ClaraAccounts receivable specialist
English and Spanish
Knows what hit the bank, who owes you and since when.
Send her your A/R aging and your bank export, from whatever system you use. She matches every deposit to its invoices and follows up on the rest, in your company’s name.
- Follows upby email and phone, in English or Spanish, from 30 to 120 days past due.
- Matchesevery ACH, check and wire against your open invoices.
- Reportsevery Friday: who promised to pay, how much and when, and what’s stuck.
In your nameFrom your email, by phone and on your WhatsApp Business
You approve week one
In your company’s name. In your customer’s language.
Your customers hear from you, not from an agency. Clara uses the channels they already use with you: your email, the phone, your WhatsApp Business with customers who opted in, or their vendor portal. She switches to Spanish when they do.
- You approveevery message during the first week, before it goes out.
- Never threatensNo pressure tactics, no robocalls, no texts or WhatsApp without consent, and no more than two contacts a week to the same customer.
- Never offers on her owndiscounts, payment plans or legal action. Those need your written OK.
- Hands offdisputes and anything over 120 days, with the file ready for your attorney or agency.
Sample conversation from your WhatsApp Business number, with a customer who opted in. Made-up businesses.
ConstructionSubcontractors and building suppliers
Florida deadlines
Notice to Owner at 45 days. Lien at 90. Clara watches the clock.
For subcontractors and suppliers, Clara follows up on pay apps, waivers and retainage with the GC, and flags every Florida deadline early enough for you or your NTO service to act.
- Day 30She flags the Notice to Owner, due at day 45 from first delivery (F.S. 713.06).
- Day 75She flags the claim of lien, due at day 90 from last delivery (F.S. 713.08).
- Never filesShe doesn’t prepare or file notices or liens, and never threatens with one.
What it costs to follow up on your receivables.
Per month, for a South Florida business with about 50 active customers. Clara is a flat monthly fee, never a percentage of what comes in.
- Hire an AR specialistSalary, benefits and payroll taxes$5,850–8,800
- Agency tempUsually leaves after about 10 weeks≈ $7,300
- Your bookkeeper’s timeThe collections part of the job, our estimate$1,800–3,000
- Doing nothingCash tied up and bad debt, our estimate$2,250–3,700
- Collection agencyFor customers you’ve already lost10–25 % of what they collect—
Sources: Robert Half 2027 Salary Guide, Miami (AR specialist, $68,320 a year); median salary in 401 South Florida B2B accounts receivable job ads, October 2026 ($57,186); agency temps paid $22–27.50 an hour and billed at about 1.7 times that; NACM South Atlantic collection fee (21 %). Bookkeeper and doing-nothing figures are our estimates.
Hiring an AR specialist? Clara covers the job while you hire.
Your past-due customers don’t wait for a new hire. Clara picks up the work in the meantime, and when your hire starts, hands it over in order.
Starts with your past-due list
Send the same aging report you’d hand a new hire. Clara takes the follow-ups, the payment matching and the statements.
No gap while you interview
Your customers keep hearing from you while the job is open, and your bookkeeper goes back to the books.
A clean handoff
When your hire starts, every account comes with its history: what was promised, what came in and what’s stuck. Or Clara keeps the collections and your hire takes the rest.
Month to month
No long-term contract and no penalty to leave.
She asks once. After that, it’s a rule.
Anything outside your rules reaches you as a question you answer with one tap. Your answer can become a rule, and next time she handles it on her own.
Try it: tap an answer.
Your collection rulesChange them anytime
Rules learned today: 0
Illustrative example, with made-up customers.
Nothing new to learn.
One hour of your time
A video call to set the tone and your rules. We set up the rest. Her first message goes out within 5 business days, and the first week you approve every one.
On what you already use
Send the aging and the bank export from the system you already use: QuickBooks, Sage or a spreadsheet. In QuickBooks she works with a user of her own. She writes from your email and follows up by phone. Nothing to install, nothing to migrate.
Shows her work
Every payment shows the deposit it came from. Anything unclear is flagged for you to confirm.
A person answers
A specialist on our team supervises Clara and answers you, in English or Spanish, during Miami business hours.
The money goes to you
Customers keep paying you the way they do today: the money never goes through us. Every message she sends is logged where you can see it.
Start with a free past-due diagnosis.
You send one report. In 48 hours you get a plan for every past-due customer. We don’t contact any of them.
Send your aging
Export the A/R aging from your system, or send the spreadsheet you keep. In QuickBooks Online it’s Reports, A/R Aging Detail, Export to Excel. Email us the file.
Get your plan in 48 hours
What you can still work this month, and your 10 biggest past-due customers: what to do with each and the first email and call script Clara would use. In construction, the lien deadlines at risk. In English and Spanish.
Decide
We go over it together on a call. If it makes sense, Clara starts with those messages. If not, we delete your file.
A real page from the diagnosis, with fictitious data.
Email us your aging report
Or book a 20-minute call and we’ll walk you through the export.
Your file is used only for your diagnosis. If you’d like it in writing first, we sign a one-page data-use agreement. How we handle your data
hola@puestocubierto.comWriteWe promise the work, in writing.
How much you collect depends on your customers, so we don’t promise a number. We promise what depends on us. If we miss any of it in a month, that month is on us.
First message in 5 business days
Counted from the day you sign up and give us access.
Every past-due invoice, every week
Each invoice 30 to 120 days past due gets a follow-up every week, unless your rules say otherwise.
A person answers the same day
A specialist on our team answers you the same business day, in English or Spanish.
Your report every Friday
Who promised to pay, how much and when, what came in and what’s stuck.
Your history, if you leave
If you leave, or if we ever stop operating, you get 30 days’ notice and the full history: every follow-up, promise to pay and matched payment.
Before you hand over your receivables.
My accounting software already sends reminders. Why Clara?
It sends the email. Clara reads the reply, follows up by phone, gets a payment date, matches the payment when it lands and tells you what came in.
Wouldn’t it be better to hire someone?
An AR specialist in Miami costs $5,850 to $8,800 a month with benefits. A temp costs about $7,300 and usually leaves within 10 weeks. Clara costs a fraction of that and doesn’t turn over.
My bookkeeper handles collections.
They keep the books, and Clara takes the chasing off their plate. They answer what she asks and get every payment already matched.
What if my customers get upset?
During the first week you approve every message. Clara writes in your company’s name, keeps the tone you set and never threatens.
Is Clara a person?
Clara is AI. A specialist on our team sets her up, reviews her work and handles the phone calls. Messages go out in your company’s name and say they’re written by a supervised assistant. She never pretends to be a person, and your customer can always talk to one.
How is this different from a collection agency?
An agency takes over customers you’ve already lost and keeps a percentage. Clara works the customers you want to keep, in your name, for a flat monthly fee.
How is the monthly fee set?
By how many of your customers owe you, not by how much they owe. Customers in a dispute we’ve handed off, and those who’ve paid, don’t count. We look at the three-month average and tell you if another tier suits you better. It’s never a percentage of what comes in, and it’s month to month. We quote it on the call.
Where does my data go?
It’s used only for your account, with a user of her own in your accounting system. Clara reads and writes with third-party AI models. Your data is exportable anytime and deleted when you ask.
Send your aging. Get your plan in 48 hours.
Free, in English and Spanish. We don’t contact any of your customers.