Receivables & Collections Agent
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Finance, Tally & MIS
Receivables & Collections Agent
An AI that knows who owes you what, and politely chases it on WhatsApp.
Reads bills-receivable and ageing from Tally, then runs structured, polite follow-up sequences with customers over WhatsApp and email, sharing outstanding statements, due dates and payment links, and escalating to your team when needed.
₹ lakhs
overdue recovered
15–25 days
DSO reduction
80%
follow-ups automated
The impact
Recovers cash stuck in receivables and shrinks DSO without your team manually chasing 200 customers every week.
₹ lakhs
overdue recovered
15–25 days
DSO reduction
80%
follow-ups automated
Who it's for
- Manufacturers with ₹50 lakh+ stuck in 60–90+ day receivables
- Promoters funding the receivables gap with costly working capital
- Accounts teams too stretched to chase 100–300 customers weekly
- Businesses wanting a real credit-control loop, not ad-hoc reminders
What you get
- Automated WhatsApp/email follow-up sequences per ageing bucket
- Customer-wise outstanding statements with UPI/payment links
- Promise-to-pay and dispute capture routed to your team
- Payment-to-invoice reconciliation back into Tally
- Daily collections dashboard (paid / promised / call-needed)
The pipeline
How it works, end to end.
Every step is built, benchmarked, and wired into your stack. Here is exactly what happens.
Read ageing from Tally
The agent pulls bills-receivable and ageing buckets per customer/ledger nightly from Tally.
Prioritise
Accounts are ranked by overdue amount, days past due and payment history; high-risk and high-value get flagged.
Personalised follow-up
Polite, branded WhatsApp/email reminders go out with the exact outstanding statement, invoice list, due date and a UPI/payment link, in the customer’s preferred language.
Smart escalation
Sequences escalate in tone and frequency by age; promises-to-pay and disputes are captured and routed to your accounts/sales owner.
Reconcile payments
When payment lands, the agent matches it to the invoice in Tally and stops the sequence; partial payments update the balance.
Human checkpoint
Your collections lead sees a daily dashboard of who paid, who promised, and who needs a personal call.
Read ageing from Tally
The agent pulls bills-receivable and ageing buckets per customer/ledger nightly from Tally.
Prioritise
Accounts are ranked by overdue amount, days past due and payment history; high-risk and high-value get flagged.
Personalised follow-up
Polite, branded WhatsApp/email reminders go out with the exact outstanding statement, invoice list, due date and a UPI/payment link, in the customer’s preferred language.
Smart escalation
Sequences escalate in tone and frequency by age; promises-to-pay and disputes are captured and routed to your accounts/sales owner.
Reconcile payments
When payment lands, the agent matches it to the invoice in Tally and stops the sequence; partial payments update the balance.
Human checkpoint
Your collections lead sees a daily dashboard of who paid, who promised, and who needs a personal call.
Under the hood
The data flow, wired into your tools.
Reads
- Tally bills-receivable and ageing buckets
- Customer ledger, credit/debit notes, partial payments
- Customer contact and preferred-language master
- Payment confirmations / bank credits
Produces
- Sent reminder sequences with payment links
- Recovered-overdue and DSO tracking
- Promise-to-pay and dispute log
- Daily collections status dashboard
Before & after
What changes once it ships.
Accounts manually chases 200 customers when they remember
Every overdue invoice followed up automatically on schedule
DSO stuck at 75–90 days, working capital borrowed to bridge
DSO down 15–25 days, lakhs of cash freed in the first quarter
Disputes surface only when the customer finally calls
Disputes and promises captured the moment a customer replies
Why it matters
The business case
For most SME manufacturers, the single biggest pool of trapped cash is receivables: ₹50 lakh to a few crore sitting in 60–90+ day buckets while the owner borrows working capital at 12–14% to cover the gap. Manual chasing is inconsistent because the accounts team is busy and uncomfortable nagging customers. A polite, relentless AI that chases every overdue invoice on WhatsApp typically pulls DSO down by 15–25 days and recovers lakhs in the first quarter, which is cash that goes straight to the bottom line instead of to interest.
FAQ
Receivables & Collections Agent: your questions, answered.
Will it spam or annoy my customers?+
No. Tone, frequency and timing are tuned per relationship, messages are branded and professional, and you can whitelist sensitive accounts for human-only contact. The goal is gentle, consistent reminders, not harassment.
How does it know the outstanding amount?+
It reads bills-receivable and ageing directly from Tally, so every reminder reflects the live balance, including credit/debit notes and partial payments.
Can customers pay from the reminder itself?+
Yes. Each reminder can carry a UPI/payment-gateway link or your bank/QR details, so customers pay in a tap, and we reconcile it back against the invoice in Tally.
Does it handle disputes and promises-to-pay?+
Yes. If a customer replies with a dispute, query or a date to pay, the agent captures it, pauses or adjusts the sequence, and routes it to the right person with full context.
Which channels does it use, WhatsApp, email, SMS?+
Primarily WhatsApp (Business API) and email, with SMS as a fallback. We respect each customer’s preferred channel and language (English/Hindi/regional).
Can it auto-block dispatch for chronically overdue customers?+
Optionally. We can flag or hold new dispatches/credit for customers crossing a credit limit or ageing threshold, with your sales head’s override, turning collections into a real credit-control loop.
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