Receivables get collected. You stop chasing.
One agent, one job: turn open invoices into cash without you writing another reminder email. It learns how each customer pays, sequences the follow-up, and asks you before anything material goes out.
Meridian Fabrication
12 days late · reminder 2 sent 09:02
$18,400SequencedDover & Co.
41 days late · escalation above threshold
$9,200Needs approvalHarlow Freight
Paid today · applied to INV-0921
$4,150CollectedAshby Studio
3 days late · reminder 1 scheduled
$2,760ScheduledNorthgate Labs
Marked sensitive · no automated contact
$12,000On hold
DSO 38 → 31 days over two cycles · illustrative
Accounts receivable is the job nobody has time to do well.
The Collections Agent owns your overdue receivables end to end. It sequences reminders per customer, escalates when payment stalls, flags disputes before they go cold, and routes anything material to you for sign-off. It runs on top of your existing ledger and gets better at your customers every cycle.
Invoices don't chase themselves
Overdue receivables sit until someone remembers to follow up. By then the easy collection has already gotten harder and DSO has drifted up another week.
Every customer needs a different touch
A friendly nudge for one account, a firm escalation for another. Get the sequencing wrong and it costs you the relationship or the cash — usually both.
You are still the escalation path
Whoever owns collections today, every judgment call — a dispute, a payment plan, a write-off — lands back on your desk at the worst possible time.
The whole job, not a feature of it.
Everything the Collections Agent handles day to day. Anything material waits for your approval; everything else simply gets done.
- 01
Per-customer reminder sequences
Reads the open AR ledger, builds a follow-up cadence per account, and sends reminders from your own mailbox in your own voice.
- 02
Escalation that matches the account
Moves from nudge to notice to escalation on the timeline you set, and treats a chronically-late-but-loyal customer differently from a first-time defaulter.
- 03
Dispute detection
Spots a short-pay, a bounced contact, or a 'we never got this' reply and flags it for a human before it becomes a 90-day problem.
- 04
Payment plan drafting
Proposes a structured plan when a customer asks for time, sized to their history, and holds it for your approval before it is offered.
- 05
Cash application & ledger updates
Matches incoming payments to invoices, posts the application to the ledger, and closes the loop on the reminder sequence automatically.
- 06
Daily brief
A short morning note: what was sent, what came in, what is stuck, and the two things that need your decision today.
Connect once. Set the rules. Approve the exceptions.
The agent works inside the systems you already run and never becomes the system of record. Here is the sequence from day one.
- 01
Connect the ledger
Link QuickBooks Online (Xero next). The agent reads open invoices, terms, and payment history. No migration, no new system of record.
- 02
Set the rules
You define tone, cadence, escalation timing, and an approval threshold. Anything above it waits for you.
- 03
The agent runs collections
Reminders go out on schedule, replies are read and classified, and payments are matched as they land.
- 04
You approve the exceptions
Payment plans, unusual escalations, and large balances arrive as one-tap approvals with the reasoning attached.
- 05
Every action is logged
From the journal entry back to the message and the reasoning behind it. Reviewable any time, exportable always.
What it will never do. What always waits for you.
Thresholds make the routine automatic and the rest deliberate. These limits are not settings you might forget to enable; they are how the agent is built.
Never moves money. It requests, applies, and reconciles — it does not initiate payments or refunds.
Never sends a message above your approval threshold without a human sign-off.
Never offers a discount, waiver, or payment plan on its own authority.
Never contacts a customer you have marked as sensitive or on hold.
Never writes off a balance. Write-offs are always a human decision, logged with a reason.
Waits for your sign-off
- 01Any message on an invoice above your approval threshold
- 02Payment plans and revised due dates
- 03Escalation to a formal notice or a third party
- 04Discounts, waivers, and write-offs
- 05First contact with a new customer
Each approval arrives with the reasoning attached and is logged whether you approve or decline.
The brain is yours. Not ours.
The Collections Agent captures the judgment that usually lives in one person's head and writes it down in plain language. You can read it, correct it, and export it at any time.
- N01
Which customers pay 10–15 days late every quarter, on schedule, and should not be escalated before day 30.
Yours to export - N02
Whose approvals route through a controller rather than the owner, and who must be cc'd on a second notice.
Yours to export - N03
Which accounts are relationship-critical — where a call from you beats any automated escalation.
Yours to export - N04
Which invoices get disputed for the same reason each month, and what usually resolves them.
Yours to export - N05
The tone each customer responds to: formal, brief, or personal.
Yours to export
The systems you already keep.
Read and write through the same APIs your accountant uses. Statuses reflect what is connected today, not what is planned to be.
- QuickBooks OnlineLive
- XeroIn progress
- Zoho BooksPlanned
- TallyPlanned
- StripeIn progress
- RazorpayPlanned
- GmailLive
- OutlookIn progress
- WhatsApp BusinessPlanned
- SlackIn progress
What a good quarter looks like.
Targets we size with you after seeing your actual numbers. They are not customer results, and we will tell you plainly if your book is not a fit.
Target DSO reduction
10–20 days
Illustrative target for a book with 45+ day DSO.
Reminder coverage
100%
Every open invoice on a sequence, none forgotten.
Owner time on collections
< 15 min/day
Approvals and the morning brief only.
Before you book a call about Collect.
Collections Agent
Receivables chased, escalated, and collected.
Tell us about your accounts receivable and we will size the agent on your actual numbers, then tell you plainly whether it is a fit.