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Client Retainers

Collect retainer deposits upfront, track the balance as you work, and draw against it transparently. Purpose-built for service firms that bill against prepaid funds.

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Retainer Management That Actually Works

If your business operates on retainers -- collecting a deposit before work begins and billing against it over time -- then you know the bookkeeping can get complicated fast. Most accounting software forces you to track retainers with workarounds: manual journal entries, liability account gymnastics, or external spreadsheets. Kantivo handles it natively.

Create a retainer for any client, record the initial deposit, and then draw against the balance as work is performed. Every deposit and draw generates the correct journal entries automatically. Both you and your client always know exactly how much retainer remains.

💵 Deposit Collection

Record retainer deposits when funds arrive. Each deposit is posted as a liability (unearned revenue) until earned through delivered services.

  • Record deposits of any amount
  • Posted to retainer liability account
  • Multiple deposits per retainer supported
  • Payment method recorded (check, card, wire)
  • Receipt generated for client

📋 Draw Against Balance

When you complete work, apply a charge against the retainer. The draw reduces the liability and recognizes revenue in a single action.

  • Apply charges with description and date
  • Revenue recognized on draw
  • Remaining balance updated instantly
  • Prevents overdrawing beyond balance
  • Link draws to invoices or time entries

Full Transaction History

Every retainer maintains a complete ledger of deposits and draws in chronological order. View the entire lifecycle of a retainer at a glance -- when funds arrived, what they were used for, and how much remains. This transparency protects both your firm and your client, and it simplifies year-end reporting.

📈 Balance Tracking

See the real-time retainer balance for every client. Know at a glance which retainers are running low and which have ample funds remaining.

  • Running balance per retainer
  • Low balance alerts
  • Summary across all active retainers
  • Historical balance over time

📒 Automatic Journal Entries

Retainer accounting requires specific journal entries -- deposits credited to a liability account, draws that debit the liability and credit revenue. Kantivo posts these entries automatically so your books are always correct.

  • Deposit: DR Cash, CR Retainer Liability
  • Draw: DR Retainer Liability, CR Revenue
  • Refund: DR Retainer Liability, CR Cash
  • All entries linked to retainer record

Built for Service Professionals

Retainer management is essential for businesses that collect payment before work begins. Kantivo's retainer system was designed with input from the industries that use retainers every day.

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Law Firms

IOLTA trust accounting, client retainer tracking, hourly draws

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Consulting Firms

Project-based retainers, monthly draws, scope-based billing

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Creative Agencies

Campaign retainers, milestone draws, ongoing service agreements

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IT Services

Managed service retainers, monthly support hours, project reserves

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Accounting Firms

Annual retainers, quarterly draws, tax season prepayment

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Property Managers

Security deposits, maintenance reserves, owner retainers

Refunds and Closeouts

When a retainer engagement ends with a remaining balance, Kantivo handles the refund cleanly. Issue a partial or full refund, and the system reverses the appropriate liability and records the outgoing payment. The retainer is closed, the books balance, and both parties have a clear record of the final settlement.

Retainers, Handled Properly

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