Commercial Accounts: Net Terms, Statements, W9s, and Insurance Certificates

Commercial and HOA work pays well, but their back office expects things residential customers never ask for: payment terms, numbered invoices, statements, a W9, proof of insurance. Lawnager handles all of it — here's the checklist.

Mark the account as commercial

On the customer record, set the account type to Commercial or HOA. That unlocks the business-billing features below, and their portal switches to a business-styled view.

Net terms and late fees

On a commercial customer's record you can set:

• •Payment terms — Net on completion, Net 0, 15, 30, 45, 60, or 90. Invoice due dates follow automatically.
• •Late fee percentage for overdue balances.
• •A separate billing email — so invoices go to their AP department, not the property manager's personal inbox.

Numbered invoices and statements

• •Invoices to commercial accounts get sequential numbers (INV-2026-0042 style) — the format AP departments require for their records.
• •In their portal, commercial customers can download a statement for any date range — every invoice in one document, ready for their bookkeeper. You never have to assemble one by hand.

Your W9, self-serve

Vendor onboarding always wants a W9. Upload yours once in Settings → Business Profile, and commercial/HOA customers can download it themselves from their portal. No more emailing the same PDF every spring.

Certificate of insurance (COI)

Most commercial contracts require proof of liability insurance. Settings → Insurance keeps you ready:

1. •Add each policy: type, carrier, policy number, and expiration date.
2. •Upload the certificate (PDF or photo).
3. •Share the COI with any commercial or HOA client who requires it.

Lawnager reminds you 60, 30, and 7 days before a policy expires, so you renew before a contract lapses — an expired COI is the fastest way to lose a commercial account you already won.

Multiple properties under one account

An HOA with twelve buildings or a chain with five locations? Turn on Multi-Property Accounts in Settings → Business Profile. One customer, one bill, many service locations — each with its own address, schedule, and map pin. There's a separate guide covering it in detail (see the HOA & Commercial Account Setup Guide).