# BillerBear

> BillerBear is invoicing software for freelancers and small businesses. It helps users create and manage invoices, generate PDFs, send recurring invoices, schedule payment reminders, manage clients, and manually record full or partial payments.

## Product facts

- Users can add their own PayPal details, Stripe Payment Links, Wise details, bank-transfer instructions, or a custom payment method to an invoice.
- BillerBear does not capture or process payments and does not automatically reconcile provider transactions.
- BillerBear adds no transaction fee. A user's chosen bank or payment provider may charge its own fees.
- Supported invoice states include draft, sent, overdue, partially paid, and paid.
- BillerBear supports multiple currencies, invoice-level tax and discount, proforma invoices, recurring invoices, public invoice pages, and three PDF themes.

## Product and policy pages

- [Home](https://billerbear.com)
- [Pricing](https://billerbear.com/pricing)
- [Blog](https://billerbear.com/blog)
- [Invoicing topic guides](https://billerbear.com/blog/topics)
- [Editorial policy](https://billerbear.com/editorial)
- [Contact](https://billerbear.com/contact)
- [Privacy](https://billerbear.com/privacy)
- [Terms](https://billerbear.com/terms)

## Core guides

- [How to Create a Professional Invoice: The Complete Guide for 2026](https://billerbear.com/blog/how-to-create-professional-invoice): Learn how to create clear, professional invoices. This guide covers essential invoice elements and practical billing habits for freelancers and small businesses.
- [Revised, Replacement, or Amended Invoice? How to Correct an Invoice After Sending](https://billerbear.com/blog/how-to-correct-invoice-after-sending): Learn when to revise, replace, reissue, or credit an invoice, with before-and-after examples and client email templates.
- [Invoice Payment Terms Explained: Due on Receipt, Net 7, Net 15, and Net 30](https://billerbear.com/blog/invoice-payment-terms-explained): See what Due on Receipt, Net 7, Net 15, Net 30, and 2/10 Net 30 mean, with exact due-date examples and a comparison table.
- [Partial Payments on Invoices: How to Track Deposits, Balances, and Split Payments](https://billerbear.com/blog/partial-payments-on-invoices): Learn how to record a deposit or partial payment, show the remaining balance, document split payments, and send a clear payment receipt.
- [How to Invoice Reimbursable Expenses (Template and Line-Item Examples)](https://billerbear.com/blog/how-to-invoice-reimbursable-expenses): Use a copyable template to bill client expenses and bill-back costs clearly, whether you pass them through at cost or add a disclosed markup.
- [How to Ask for Payment in an Email: 6 Polite Templates](https://billerbear.com/blog/how-to-politely-ask-for-payment): Copy professional payment-request emails for before the due date, overdue invoices, promised payments, and final notices.

## Complete blog index

- [How to Set Up an Invoice Payment Plan That Protects Your Cash Flow](https://billerbear.com/blog/invoice-payment-plan-freelancers): When a client can't pay the full invoice at once, a structured payment plan can recover the revenue. Here's how to decide when a plan makes sense, what to put in writing, and how to invoice each installment.
- [Net 60 Payment Terms? How to Negotiate Faster Payment as a Freelancer](https://billerbear.com/blog/how-to-negotiate-net-60-payment-terms): When a corporate client sends a vendor agreement with Net 45 or Net 60, you don't have to accept it as-is. Counter-offers, scripts, and what AP teams sometimes accept.
- [Invoicing Software vs. Accounting Software: What Freelancers Actually Need](https://billerbear.com/blog/invoicing-software-vs-accounting-software-freelancers): Invoicing software vs accounting software: what each does, when freelancers need only invoicing, and the triggers that mean it's time to upgrade.
- [Invoice Line Item Descriptions: Examples and a Copyable Formula](https://billerbear.com/blog/how-to-write-invoice-line-item-descriptions): Use a practical invoice line-item formula, before-and-after examples by service type, and wording that matches the scope your client approved.
- [Freelance Change Order Template: Document, Approve, and Invoice Scope Changes](https://billerbear.com/blog/freelance-change-order-template): A freelance change order turns 'can you also add...' into documented, approved, billable work. Here's what to include, how to get sign-off, and how to invoice it.
- [What Business Name Goes on a Freelance Invoice? LLC, DBA, and Legal Name Explained](https://billerbear.com/blog/what-business-name-on-freelance-invoice): Not sure whether to invoice under your legal name, LLC, or DBA? Learn what belongs in your invoice header, how it should connect to your W-9, and how to prevent vendor setup and AP delays.
- [Freelance Project Closeout Checklist: Final Invoice, Handoff, and Records](https://billerbear.com/blog/freelance-project-closeout-checklist): Don't let the final invoice slip after a project wraps. Use this freelance closeout checklist to reconcile deposits, send the last invoice, document the handoff, and close your records.
- [Early Payment Discounts for Freelancers: Is 2/10 Net 30 Worth It?](https://billerbear.com/blog/early-payment-discounts-for-freelancers): A 2% early-payment discount can equal a 37.2% annualized cost. Learn when 2/10 Net 30 improves freelance cash flow—and when it only cuts margin.
- [When to Send an Invoice as a Freelancer: Timing Rules by Project Type](https://billerbear.com/blog/when-to-send-invoice-freelancer): Learn when freelancers should send project, hourly, milestone, retainer, and corporate invoices, and avoid delays before payment terms even begin.
- [Accounts Receivable for Freelancers: How to Track Outstanding Invoices and Know When Cash Is Real](https://billerbear.com/blog/freelancer-accounts-receivable-tracking): A weekly AR review using simple aging buckets tells you what clients owe, what's overdue, and what's at risk of never being paid. Here's how to build the habit.
- [Freelance Statement of Work: How to Define Scope, Deliverables, and Payment Triggers Before You Invoice](https://billerbear.com/blog/freelance-statement-of-work): A freelance statement of work turns vague agreements into defensible invoices. Here's what to include, how to structure payment triggers, and the mistakes that cost freelancers money.
- [Proforma Invoice for Freelancers: What It Is, When to Send One, and What to Include](https://billerbear.com/blog/proforma-invoice-for-freelancers): Client asked for a proforma invoice? Learn what it is, how it differs from a quote or final invoice, when freelancers need one, and exactly what to send.
- [How to Track Billable Hours as a Freelancer (Before You Invoice)](https://billerbear.com/blog/how-to-track-billable-hours-freelancer): Stop billing from memory. Learn how to track billable hours during the work, sort billable vs. non-billable time, and turn your log into clean invoice line items.
- [Freelance Cash Flow Forecasting: A 90-Day Plan for Uneven Income](https://billerbear.com/blog/freelance-cash-flow-forecasting): Build a simple 90-day cash flow forecast from your invoice pipeline so you can spot payment gaps early, plan around slow-paying clients, and stop reacting to uneven freelance income.
- [What to Do When a Client Disputes Your Invoice: A Freelancer Resolution Playbook](https://billerbear.com/blog/what-to-do-when-client-disputes-invoice): When a client disputes your invoice, don't react defensively. Learn how to classify the issue, respond with evidence, separate disputed charges, and resolve the payment before it escalates.
- [Hourly vs. Flat Rate Invoicing: How to Bill Clients Clearly](https://billerbear.com/blog/hourly-vs-flat-rate-itemize-invoice): Compare hourly and flat-rate freelance billing, then learn how to itemize each model on your invoice with line-item examples and mistakes to avoid.
- [When (and How) to Write Off an Unpaid Invoice as a Freelancer](https://billerbear.com/blog/how-to-write-off-unpaid-invoice-freelancer): When escalation fails, here's how to decide a write-off is right, close the invoice cleanly, and handle the tax and bookkeeping side without mistakes.
- [Quarterly Estimated Taxes for Freelancers: Calculate Payments From Paid Invoices](https://billerbear.com/blog/quarterly-estimated-taxes-for-freelancers): Learn when quarterly estimated tax payments are due, how to calculate what you owe using your paid invoices, and how to avoid underpayment penalties and April surprises.
- [Automated Invoice Payment Reminders for Freelancers: A Simple 3-Step Sequence](https://billerbear.com/blog/automated-invoice-payment-reminders): Stop chasing invoices manually. Learn which payment reminders to automate, which to send yourself, and how to design a simple 3-step sequence that gets you paid without damaging client relationships.
- [How to Write a Demand Letter for an Unpaid Invoice (Templates Freelancers Can Use)](https://billerbear.com/blog/unpaid-invoice-demand-letter-template): Copy-paste demand letter templates for freelancers when polite follow-ups fail, plus what to include, when to send, and how to document delivery before small claims.
- [Freelance Contract Renewal Pricing: How to Raise Rates Without Losing the Client](https://billerbear.com/blog/freelance-contract-renewal-pricing): Renewal conversations are where freelancers quietly grow income or accept a stale rate. Here's how to reprice retained clients at renewal without burning the relationship.
- [How to Invoice Corporate Clients: Accounts Payable, POs, and Getting Paid as a Freelancer](https://billerbear.com/blog/how-to-invoice-corporate-clients): Corporate invoicing runs on different rails than solo clients. Learn how to navigate vendor onboarding, PO numbers, AP departments, and payment cycles so your invoices don't stall.
- [How to Invoice Reimbursable Expenses (Template and Line-Item Examples)](https://billerbear.com/blog/how-to-invoice-reimbursable-expenses): Use a copyable template to bill client expenses and bill-back costs clearly, whether you pass them through at cost or add a disclosed markup.
- [Revised, Replacement, or Amended Invoice? How to Correct an Invoice After Sending](https://billerbear.com/blog/how-to-correct-invoice-after-sending): Learn when to revise, replace, reissue, or credit an invoice, with before-and-after examples and client email templates.
- [Freelancer Payment Methods: Fees, Speed, and What to Put on Your Invoice](https://billerbear.com/blog/freelancer-payment-methods): ACH, cards, PayPal, wire, P2P — each payment method costs different fees, clears at different speeds, and carries different risk. Here's how to choose and what to list on your invoice.
- [Sales Tax for Freelancers: When to Charge It and How to Add It to Invoices](https://billerbear.com/blog/sales-tax-for-freelancers-invoices): Learn when freelancers may owe sales tax, how nexus and registration work, and how to line-item tax on invoices. Plus VAT and GST notes for international clients.
- [Freelance Client Onboarding Checklist: What to Lock Down Before the First Invoice](https://billerbear.com/blog/freelance-client-onboarding-checklist): Most payment problems start before the project does. Use this freelance client onboarding checklist so your first invoice lands with the right person and the right terms.
- [How to Email an Invoice to a Client (Subject Line, Body, and Who Should Get It)](https://billerbear.com/blog/how-to-email-invoice-to-client): Your invoice is ready. Now learn how to send it properly: the right recipient, a clear subject line, a short email body, and whether to attach a PDF or include a payment link.
- [Partial Payments on Invoices: How to Track Deposits, Balances, and Split Payments](https://billerbear.com/blog/partial-payments-on-invoices): Learn how to record a deposit or partial payment, show the remaining balance, document split payments, and send a clear payment receipt.
- [Client Chargeback? A Freelancer's Guide to Payment Reversals](https://billerbear.com/blog/freelancer-chargebacks-payment-reversals): A chargeback means money was pulled back after it hit your account — not the same as an unpaid invoice. Here is how Stripe, PayPal, and card disputes work, what evidence to submit, and how to prevent reversals.
- [W-9 for Freelancers: What Clients Need, How to Fill It Out, and What 1099-NEC Means](https://billerbear.com/blog/w9-1099-nec-freelancer-tax-forms): A new client asks for your W-9. Here is what to fill in, what a 1099-NEC is, and how your invoices keep everything aligned at tax time.
- [Freelance Quote vs Invoice: When to Send Each (and How to Move From Quote to Invoice)](https://billerbear.com/blog/freelance-quote-vs-invoice): A quote is your offer. An invoice is your bill. Here's when to use each, what belongs on them, and how to go from accepted quote to paid invoice without scope fights or slow pay.
- [Freelance Retainer Agreements: How to Structure Scope, Hours, and Invoicing](https://billerbear.com/blog/freelance-retainer-agreements): A retainer without structure is a discount. Learn how to define scope, set hours and rollover policies, handle overages, and invoice retainer clients so the arrangement works for both sides.
- [How to Set Freelance Rates for the First Time (Without Undercharging)](https://billerbear.com/blog/how-to-set-freelance-rates): Calculate a rate floor, sanity-check the market, pick hourly or project pricing, and quote with confidence — a repeatable process for new freelancers.
- [How to Invoice International Clients (Without Currency and Payment Confusion)](https://billerbear.com/blog/how-to-invoice-international-clients): A practical guide to choosing invoice currency, specifying bank details, handling fees, and documenting cross-border payment terms so you get paid the right amount.
- [Milestone Billing for Freelancers: How to Structure Project Payments That Get You Paid](https://billerbear.com/blog/milestone-billing-for-freelancers): Learn how to structure milestone billing for freelance projects with practical payment splits, contract language, and invoicing tips.
- [The Psychology of Pricing: How to Value Your Work Based on ROI, Not Hours](https://billerbear.com/blog/psychology-of-pricing-value-work-roi): Stop selling hours and start selling outcomes. Learn the psychology behind value-based pricing, anchoring, specialization, and how to handle the 'too expensive' objection as a freelancer.
- [Freelancer Deductions You Should Already Be Tracking](https://billerbear.com/blog/freelancer-tax-deductions-tracking): Stop scrambling at tax time. Here are the core freelancer tax deduction categories — from home office to software to travel — and why tracking them monthly protects your profit.
- [How to Write Invoice Payment Terms (With a Copyable Example)](https://billerbear.com/blog/payment-terms-prevent-delays): Turn an agreed due date, currency, payment method, and late-payment policy into clear invoice wording your client can follow.
- [Freelance Contracts That Actually Protect Payment: 5 Clauses You Need](https://billerbear.com/blog/freelance-contracts-protect-payment-clauses): A freelance contract is not just paperwork — it's leverage. Here are the five essential clauses that protect your cash flow, prevent disputes, and ensure you get paid on time.
- [Can You Take Legal Action Over an Unpaid Invoice? A Practical Guide](https://billerbear.com/blog/legal-action-unpaid-invoice-guide): When polite follow-ups fail and an invoice stays unpaid, is legal action the right move? This practical guide covers demand letters, small claims court, and collection options for freelancers.
- [How Long Should You Wait Before Charging a Late Fee?](https://billerbear.com/blog/how-long-wait-before-charging-late-fee): Timing matters when charging late fees on overdue invoices. Learn the ideal grace period, day-by-day escalation structure, and how to enforce fees without damaging client relationships.
- [5 Client Red Flags That Predict Payment Problems](https://billerbear.com/blog/client-red-flags-predict-payment-problems): Learn the five early warning signs during client onboarding that predict late payments and unpaid invoices. Protect your freelance cash flow before the project starts.
- [Freelancer Unpaid Invoice: What to Do When a Client Ghosts You](https://billerbear.com/blog/freelancer-unpaid-invoice-client-ghosts): Client ghosted you after sending the invoice? Follow this step-by-step recovery plan to collect unpaid freelance invoices professionally and protect your cash flow.
- [The "Kill Fee": How to Invoice for Cancelled Projects](https://billerbear.com/blog/how-to-invoice-cancelled-projects): When clients cancel unexpectedly, a kill fee protects your time and income. Learn how to structure cancellation clauses and invoice cancelled work professionally.
- [Invoice vs. Receipt vs. Purchase Order: What's the Difference?](https://billerbear.com/blog/invoice-vs-receipt-vs-purchase-order): Clients ask for receipts when they need invoices, and companies send POs expecting you to know what to do. Here's a simple breakdown of each document and when to use it.
- [Scope Creep: How to Bill for "Just One Small Change"](https://billerbear.com/blog/how-to-bill-scope-creep): That 'quick favor' has cost freelancers thousands. Learn how to handle scope creep professionally without damaging client relationships.
- [The Freelancer Tax Prep Checklist: How to Organize Your Invoices (2026 Guide)](https://billerbear.com/blog/freelancer-tax-prep-checklist): Tax prep doesn't have to be stressful. Learn how to reconcile deposits, audit invoice numbers, and get your income records accountant-ready in just a few hours.
- [Excel vs. Invoicing Software: When Freelancers Should Make the Switch](https://billerbear.com/blog/excel-vs-invoicing-software-switch): Spreadsheets work until volume, repeats, or follow-ups expose the cracks. Here's how to tell when manual invoicing costs more than it saves, and what to do next.
- [Upfront Deposits: Why Freelancers Should Never Work for $0 Down](https://billerbear.com/blog/upfront-deposits-freelancers-work-zero-down): Working without a deposit is one of the biggest risks freelancers take. Here's why upfront deposits protect your time, cash flow, and sanity — and how to ask for them without losing the client.
- [5 Invoicing Mistakes That Are Costing You Money](https://billerbear.com/blog/5-invoicing-mistakes-costing-money): If clients are slow to pay, the problem might not be them — it might be your invoice. Here are the most common invoicing mistakes freelancers make and how to fix them.
- [When to Follow Up on an Invoice (A Freelancer Timeline)](https://billerbear.com/blog/when-to-follow-up-on-invoice): Not sure when to follow up on an unpaid invoice? Here's the exact timeline freelancers should use — before and after the due date.
- [Invoice Payment Terms Explained: Due on Receipt, Net 7, Net 15, and Net 30](https://billerbear.com/blog/invoice-payment-terms-explained): See what Due on Receipt, Net 7, Net 15, Net 30, and 2/10 Net 30 mean, with exact due-date examples and a comparison table.
- [How to Raise Your Freelance Rates in 2026 (Without Losing Clients)](https://billerbear.com/blog/how-to-raise-freelance-rates-2026): Inflation is up, your skills have improved — but are you still charging 2024 prices? Here's a clear strategy and script freelancers can use to raise rates confidently in 2026.
- [Should Freelancers Charge Late Fees? Pros, Cons, and What Actually Works](https://billerbear.com/blog/should-freelancers-charge-late-fees): Late fees sound like an easy fix for unpaid invoices — but do they actually work? Here's an honest breakdown for freelancers, including when to use them and when to avoid them.
- [Client Won't Pay? A Freelancer's Escalation Plan (When Polite Emails Fail)](https://billerbear.com/blog/client-wont-pay-escalation-plan): You've already followed up politely but the invoice is still unpaid. Here's a professional escalation plan for freelancers — when and how to act next without damaging your reputation.
- [7 Best Free Invoicing Software for Freelancers in 2026 (Features, Limits, and Fees)](https://billerbear.com/blog/best-free-invoicing-software-freelancers): Compare free invoicing software for freelancers in 2026, including invoice limits, accounting features, payment options, and the fees that may apply when clients pay online.
- [How to Create a Professional Invoice: The Complete Guide for 2026](https://billerbear.com/blog/how-to-create-professional-invoice): Learn how to create clear, professional invoices. This guide covers essential invoice elements and practical billing habits for freelancers and small businesses.
- [How to Ask for Payment in an Email: 6 Polite Templates](https://billerbear.com/blog/how-to-politely-ask-for-payment): Copy professional payment-request emails for before the due date, overdue invoices, promised payments, and final notices.
- [Freelance Invoice Template: What to Include & Free Download Guide](https://billerbear.com/blog/freelance-invoice-template-guide): Need a freelance invoice template? Learn exactly what to include on your invoices, see real examples, and discover the fastest way to create professional invoices.
- [Invoice Numbering Best Practices: Systems That Keep You Organized](https://billerbear.com/blog/invoice-numbering-best-practices): A good invoice numbering system keeps your business organized and makes tax time easier. Learn the most effective approaches and which one is right for you.
- [Recurring Invoices: How to Set Up Automatic Billing That Saves Hours](https://billerbear.com/blog/recurring-invoices-guide): Stop creating the same invoices every month. Learn how to set up recurring invoices that bill clients automatically and keep your cash flow predictable.