# Finance & Reporting

This section is for your finance team. It covers reading the monthly statements we emit, reconciling against your accounting system, understanding our fees, and the questions that come up when a debt is closed uncollected.

## What's here

* [Reading remittance reports](/for-creditor-partners/creditor-finance/reading-remittance-reports.md) — monthly statement PDFs plus the per-payment remittance ledger.
* [Reconciling with your accounting](/for-creditor-partners/creditor-finance/reconciling-with-your-accounting.md) — how to match our records to your books, including the QuickBooks Online writeback path.
* [Understanding our fees](/for-creditor-partners/creditor-finance/understanding-our-fees.md) — 3P contingency, what's included, what's not.
* [Handling write-offs](/for-creditor-partners/creditor-finance/handling-write-offs.md) — what to do when a placement closes uncollected.
* [Tax considerations: 1099-C](/for-creditor-partners/creditor-finance/tax-considerations-1099-c.md) — general guidance; we do not generate 1099-C data today.

## Who in your finance team should read this

| Role                        | Most useful pages                                            |
| --------------------------- | ------------------------------------------------------------ |
| Controller / CFO            | Understanding our fees, Reading remittance reports           |
| AR clerk / staff accountant | Reading remittance reports, Reconciling with your accounting |
| Tax accountant              | 1099-C considerations, Handling write-offs                   |

## Remittance cadence

Each successful debtor payment mints a per-payment `Remittance` ledger row. Once Stripe Connect is configured for your account, the disbursement worker initiates a Stripe Transfer for the net amount (gross recovered minus the contingency fee snapshot). Without Connect, the row lands in `manual_required` and an operator runs an ACH/wire offline before reconciling the row to `paid`.

Per-payment disbursement is not on a configurable weekly/bi-weekly/monthly schedule today — each settled debtor payment produces its own disbursement, subject to the chargeback hold window set by your tier (or a per-creditor override). Configurable remittance schedules are planned but not yet available.

**Monthly statements** are generated on the first of each month for the prior period and made available as PDFs in **Statements** in the dashboard.

Each statement summarises:

1. The opening and closing trust-ledger balance for the period.
2. Total collected (debtor payments received).
3. Total fees (contingency taken).
4. Total paid out (disbursements completed).
5. Per-collection and per-disbursement line items.

## What if a disbursement doesn't arrive

A few things to check:

* Confirm Stripe Connect is linked and `payouts_enabled` is true on your account (Settings → Bank account). Without a Connect account, payouts are queued for manual ACH and require operator action.
* Look at the placement's remittance ledger entries via `GET /v1/placements/{id}/remittance` (surfaced in the placement detail view). A `failed` row carries a `failure_reason`.
* After five automatic retries, a failed row stops being auto-queued. Contact support to reset the attempt counter once the underlying issue is fixed.

If you've checked the above and the disbursement is still missing, [contact support](/troubleshooting/contact-support.md).

***

Last reviewed: 2026-05-12 by Finance Lead.


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