19Finance

AR Collections Agent

A graduated dunning cadence per aging bucket — friendly at 0-30, firmer at 31-60, payment-plan offer at 61-90, human handoff past 90 — so DSO compresses without anyone sounding like a collections agency.

The problem

On a typical SMB AR ledger, DSO sits 8-15 days higher than it needs to because dunning is one tone for everyone — a single "Friendly Reminder" at day 35, then silence until someone notices a balance over $10K. The 0-30 / 31-60 / 61-90 / 90+ aging buckets each need their own cadence, channel mix, and authority level, and personalized payment-plan offers should fire at 61-90 before the AR turns into a write-off candidate. Without a graduated agent, the controller is hand-curating the worklist every Tuesday, the payment plans never get offered, and working capital sits locked in invoices that would have paid if anyone had asked correctly.

Typical leak: DSO 38 → 24 days · $180K-$420K of freed working capital on a $5M run rate · 30-40% reduction in 90+ day write-off pool

DSO compression + 90+ day write-off reduction

DSO -10 to -14 days on a typical SMB ledger; 30-40% reduction in 90+ day write-off pool; 60-75% of 31-60 day balances paid before bucket-promotion to 61-90

CRF Credit Research Foundation DSO benchmarks; Hackett Group Working Capital study

Integrates with

QuickBooksXeroNetSuiteSage IntacctFreshBooksStripeSendGridGmailTwilioHubSpotSalesforceSlackClauden8n

How it works

Agent · AR Collections

AR aging · 0-30 / 31-60 / 61-90 / 90+
Bucket 31-60 · 5 invoices
Day 35 · friendly nudge
Day 50 · firmer + Stripe link
Payment received · DSO compresses

AR aging · QuickBooks

0–30

$184.2K

22 invoices

31–60

$96.4K

8 invoices

61–90

$32.8K

4 invoices

90+

$14.9K

2 invoices

Halcyon Studios · INV-2044

Integrates with

QuickBooks
Stripe
SendGrid
Twilio
Claude
HubSpot