Money moves fast when the job starts. It slows down the moment the work is finished and there is nothing left to hold up.
Progress billing makes it worse. Phase two invoices while phase three is running, and the paperwork ends up two draws behind the job.
Meanwhile the ticket is large enough that letting it sit actually hurts, and large enough that nobody wants to be blunt about it.
Half your ledger is homeowners and half is builders and property managers. They need different follow-up, and MoneyHound reads which is which from the account.
Warm and personal, by text. The invoice, the amount, the payment link, and a real person to reply to.
Businesslike and specific, by email and phone. Job name, draw number, PO if there is one, and who has to sign.
Firm enough that you never have to reach for the uglier options, and calm enough that you keep the next job.
Specific about the job, plain about the number, and clear about what happens next. No pressure language, and nothing you would be embarrassed to have forwarded.
Flat monthly pricing, and no percentage of a $40,000 job.