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Client Retainers

Take upfront deposits, watch the balance go down as you work, and draw against retainers with proper accounting entries — all without writing a single manual journal entry.

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Retainer Management Built Into Your Books

If your business takes retainer deposits before starting work, you already know the accounting can get messy. Retainers are liabilities until earned, draws need to be tracked against the original deposit, and clients expect to see their remaining balance whenever they ask.

Kantivo handles all of this natively. Record a retainer deposit and the software creates the right journal entry — debiting your bank account and crediting a retainer liability. As you do the work and draw against the retainer, Kantivo moves funds from liability to revenue automatically.

💵 Deposit Collection

Record retainer deposits with one action. Kantivo handles the double-entry bookkeeping behind the scenes.

  • Record deposits by check, card, or transfer
  • Auto journal entry: debit cash, credit retainer liability
  • Multiple deposits per client supported
  • Stripe payment processing available

📊 Balance Tracking

See the current retainer balance for any client at a glance. Know exactly how much is left before kicking off new work.

  • Live balance shown on the client record
  • Running total across all deposits and draws
  • Low-balance alerts when funds are running out
  • Balance history with full timeline

📝 Draws & Charges

Apply charges against the retainer as you deliver. Each draw reduces the liability and recognizes revenue properly.

  • Draw against retainer with description and amount
  • Auto journal entry: debit liability, credit revenue
  • Link draws to specific invoices or time entries
  • Partial draws supported

📄 Transaction History

Complete record of every deposit, draw, and refund per client. Print or export the retainer statement for client review.

  • Chronological list of all retainer activity
  • Deposit and draw details with dates
  • Running balance after each transaction
  • Export retainer statements to PDF

Proper Accounting, No Shortcuts

Many small business owners book retainer deposits as revenue when they receive them. That overstates income and creates tax problems later. Kantivo follows GAAP by treating retainer deposits as liabilities until the work is performed and the revenue is actually earned.

Every retainer transaction in Kantivo generates the correct double-entry journal entries automatically. You don't need to be fluent in debits and credits — the system handles proper revenue recognition for you.

Who Uses Client Retainers?

Law Firms & Attorneys

Take trust account retainers, draw against them as billable hours pile up, and keep the detailed records bar associations require. Kantivo keeps retainer funds separate from operating revenue until earned.

Consultants & Advisors

Lock in project deposits before kicking off engagements. Track how much retainer remains as you log hours and deliver milestones. Clients see transparent accounting of their deposit at any time.

Marketing & Creative Agencies

Take monthly retainers for ongoing services. Apply charges each month as deliverables ship. Auto-generate statements showing work performed against the retainer balance.

IT & Managed Service Providers

Pre-paid support retainers with hour-based drawdowns. Track remaining support hours and dollar balances side by side. Alert clients when their retainer is running low so they can top up.

Retainer Refunds Handled Cleanly

When a project wraps and there's an unused retainer balance, issuing the refund is straightforward. Kantivo reverses the liability entry and records the refund against your bank account. The client's retainer statement reflects the full lifecycle: deposit, draws, and refund — all properly accounted for.

Handle Retainers the Right Way

GAAP-compliant retainer management is included with Kantivo. No add-ons, no workarounds.

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