Get paid on time for work already delivered.
Services businesses live and die by receivables. Stratum chases every invoice in the tone each client expects, routes disputes before they sour the relationship, and keeps the cash forecast honest about who really pays when.
- 1Collections AgentLiveReceivables chased, escalated, and collected.
- 2Cash AgentIn developmentCash position and runway, forecast daily.
- 3Payables AgentEarly accessBills captured, routed, and paid on your terms.
Where the month goes wrong.
What we hear most often from agencies, consultancies, studios, before an agent is on the ledger.
Clients pay when they feel like it
Net-30 means net-60 for the big accounts. Nobody wants to be the one to push the client that also signs the renewals.
Account managers are collections agents
The people paid to grow accounts spend Fridays forwarding invoices and apologising for asking.
Utilisation is high, cash is low
The team is fully booked and the bank balance says otherwise, because work delivered in March is invoiced in April and paid in June.
What the first thirty days look like.
Connect on day one. By day thirty, the agents are doing the daily work and you are approving what matters. This is the shape of it.
- Day 1
The agent learns your clients
It reads 18 months of invoices and payments. It notices which clients always pay late but always pay, and which ones only pay when the account manager calls.
- Week 1
Reminders in the right voice
The retainer clients get a light touch from your mailbox. The project client with a 45-day-old invoice gets a firmer notice, held for your approval first.
- Week 2
A dispute surfaces early
A client replies that the scope was 'not what we agreed'. The agent flags it the same hour and drafts a summary of the SOW for you. No 90-day surprise.
- Week 3
Contractors get paid on time
The Payables Agent has captured every freelancer invoice, coded it to the project, and proposed a run for the 25th that the cash forecast can cover.
- Day 30
Cash you can plan hires on
The forecast knows which clients pay on day 12 and which on day 58. The next hire is a decision, not a hope.
What we would agree to measure.
Every engagement starts with an outcome written down. These are the numbers we typically put on the table for this segment. They are targets, not promises.
15+ days
Target DSO reduction
Illustrative; agencies often run 60–75 today.
0
Account manager time on AR
Escalations come to the owner, not the AM.
100%
Contractor bills paid on schedule
Payables scheduled to the cash plan.
3 agents, one judgment layer.
Each agent owns one job. They share what they learn about your customers, vendors and cadence, so the second agent is smarter on day one than the first was.
Common questions from agencies & services.
If yours is not here, ask on the call. We answer plainly.
Agencies & services
Talk to us about agencies & services.
Thirty minutes with the founder. Bring your receivables, payables or close as they are today; we will tell you where an agent earns its keep first.