AR Automation for Subcontractors Who Hate Chasing Invoices.
Cotillo automates billing, retainage, and collections—so you get paid faster and spend less time in spreadsheets.
Join Cotillo and see immediate improvement is cash flow operations.




We're passionate about empowering businesses to take control of their finances and achieve their financial goals.
Powerful AR Tools Built for Subcontractors
From progress billing to retainage tracking, Cotillo delivers construction-ready finance automation that QuickBooks alone can’t handle.
Progress Billing Break projects into phases and invoice with clarity. Milestones sync to QBO.
Retainage Management Automatically track held funds and schedule releases without manual effort.
Automated Collections Set-and-forget reminders, late fees, and escalation flows to get paid faster.
Payment Recommendation Cotillo suggests ACH, card, or check based on cost, timing, and tax impact.

Empowering and strengthening your financial success
Our platform provides advanced tools and insights to help you manage, grow, and secure your financial assets.

Project-Based AR Workflow Organize your billing around real jobs—not just line items. Cotillo gives you a project view that mirrors how subcontractors work in the field.

QuickBooks Online Sync Cotillo acts as your operational hub but syncs key financial data directly to QuickBooks—so your bookkeeper stays in the loop.

QuickBooks Online Sync Cotillo acts as your operational hub but syncs key financial data directly to QuickBooks—so your bookkeeper stays in the loop.


Payment Optimization ACH, check, or card? Cotillo recommend the right payment method - balancing cost, speed, and tax efficiency.
Cotillo AR Automation
This Is What Construction AR Should Feel Like
Organized. Automated. Built for how subcontractors get paid.
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