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Can I charge interest or a late fee on an unpaid invoice in Florida?

Use the free tool — Invoice Chaser

Can you charge a late fee or interest?

You can charge what your agreement says. If your invoice or contract said something about a late fee or interest, you can charge it. If it said nothing, you can still ask for a late fee — but you cannot add one after the fact, once the work is done and the invoice is out.

What if the invoice or contract didn't mention a fee?

Then there is nothing to enforce. You can still ask the customer to pay something extra for the delay, as a request, not as a charge you're owed. Whether they agree is up to them.

What is Florida's statutory interest rate?

Florida's statutory interest rate on judgments is set every quarter by the Chief Financial Officer, under Fla. Stat. 55.03. This rate applies to a court judgment — not automatically to an unpaid invoice by itself. You would need a judgment first for this rate to apply.

• Fla. Stat. 55.03 — the statute that sets the quarterly rate.

If you're a contractor: lien deadlines

If you improved real property in Florida, the Construction Lien Law may give you another option — but the deadlines are strict:

• A Notice to Owner may be due within 45 days for most subcontractors and suppliers.
• A claim of lien may be due within 90 days of your last work.

This is from Fla. Stat. ch. 713, Part I. A lien may be available in your situation — this page cannot tell you if it applies. Confirm the exact deadline with a Florida construction attorney or lien service before it passes.

When does emailing stop and small claims start?

Florida county court small claims handles disputes up to $8,000, not counting costs, interest, and fees, under Florida Small Claims Rules 7.010. You can file without a lawyer. The filing fee varies by amount and county. Forms are free.

• Florida Small Claims Rules 7.010
• Florida Courts Self-Help — free forms

What to do next

This page is general information, not legal advice, and it can be wrong. For a lien deadline or a dispute over a large amount, talk to a Florida attorney before you rely on anything here. Always confirm current rates and deadlines with the agency or statute directly.

The free tool reads your own invoice details — the amount, the dates, what the customer said — and gives you the reminder that fits: friendly, firm, or final, in English and Spanish. It also tells you what Florida allows you to add, and marks the point where emailing stops and filing starts. Nothing you paste is stored.

Invoice Chaser writes collection messages in plain language and explains Florida rules as published; it can be wrong, and it is not legal advice. Lien deadlines under Fla. Stat. ch. 713 are strict — confirm with a Florida construction attorney or lien service. Nothing you paste is stored.