We show that in the presence of massive particles, such as nucleons, the standard low-energy expansion, in powers of meson momenta and light-quark masses, in general converges in only part of the low-energy region. The expansion of the scalar form factor σ(t), for instance, breaks down in the vicinity of t = 4M 2 π . In the language of heavy baryon chiral perturbation theory, the proper behaviour in the threshold region results only if the multiple internal-line insertions generated by relativistic kinematics are summed up to all orders. We propose a method that yields a coherent representation throughout the low-energy region, while keeping Lorentz and chiral invariance explicit at all stages. The method is illustrated with a calculation of the nucleon mass and of the scalar form factor to order p 4 .