Platform · financial core

Collections ranked by recoverability, not by age

Every AR system sorts by days outstanding, which is the least useful ordering available. The oldest invoice is often the one least worth chasing, and the account you should call today may be only thirty days late. Ranking by what is actually recoverable is what moves DSO.

Where is your cash stuck?

Send an AR ageing export. We will rank it by recoverability and show you which accounts to call first.

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Dunning aware of renewalsSelf-serve paymentWorks on your current ledger
$413KCurrent
$186K1–30
$94K31–60
$42K61–90
$29K90+

Collection priority — ranked by recoverability, not by age

Northwind Trading$48,20074 dayspays at 71 avg · low risk · soft reminder
Fulton Systems$31,40096 daysfirst late invoice in 3 years · call, do not dun
Depot Industrial$22,900112 daystwo broken promises · escalate to owner
Harbor Logistics$18,60038 daysrenewal in 14 days · hold all dunning

What it does

Six parts of getting paid.

Invoicing from the source

Generated from contracts, milestones, time, usage, or a schedule, so the invoice matches what was agreed rather than what someone remembered to bill.

Cash application

Payments matched to open items automatically including partial payments, deductions, and lump sums covering several invoices. Unapplied cash is an exception, not a monthly project.

Ageing that means something

By customer, entity, salesperson, and contract, with retainage and disputed items tracked separately rather than buried in the same bucket.

Dunning with context

Sequences that check contract status, renewal timing, open support tickets, and payment history before sending. The agent drafts; a person releases.

Self-serve payment

A customer portal where they see statements and pay by card or ACH. This is where DSO actually moves — most late payment is friction, not refusal.

Credit and risk

Limits, holds, and deterioration signals from payment behaviour, so a slipping account surfaces before it becomes a write-off conversation.

Why age is the wrong sort order

An ageing report sorted by days outstanding tells you which invoices are old. It does not tell you which are late, which is a different question — a customer who has paid at seventy days for three years is not late at sixty-five, and a customer who has always paid at thirty is a problem at forty-five.

Sorting by recoverability uses payment behaviour, amount, contract status, relationship signals, and dispute state together. In practice it reorders a typical ageing list substantially, and the top of the reordered list is where a collections hour is actually worth spending.

An invoice at sixty days from a customer who always pays at seventy is not late. The one at forty from a customer who always paid at thirty is.

Dunning that does not damage accounts

The reason finance teams are cautious about automated dunning is that they have seen it go wrong — a demand letter to a customer mid-renewal, a chase to an account with an open escalation, a reminder to someone who paid yesterday and whose payment has not been applied.

Because contracts, tickets, projects, and payments are on one graph here, the dunning logic can see all of it. Suppression rules for active renewals, open disputes, and recent unapplied payments are defaults rather than something you have to remember to configure. And the agent drafts rather than sends — outbound communication that reaches a customer is a Level 1 action, always.

Cash application is the unglamorous win

Most AR teams spend more time applying cash than chasing it. A lump-sum wire covering eleven invoices with a short-payment on one of them is a twenty-minute puzzle done by hand, several times a week.

Automatic application handles exact, split, and partial matches, proposes fuzzy ones, and holds the genuinely ambiguous. Deductions are classified — short payment, early payment discount taken, disputed line — so the remainder is a real exception list rather than a pile.

Where DSO actually moves

In our engagements the largest single improvement is not better chasing. It is self-serve access: a portal where the customer can see the invoice, download a statement, and pay without emailing anyone. Most late payment is friction rather than refusal, and removing the friction is worth several days.

Questions

What AR teams ask.

Will it email our customers automatically?
Only if you set that workflow to Level 2 and only inside a dunning policy you wrote. The default is that the agent drafts and a person releases, because outbound communication reaching a customer is not something we auto-execute by default.
How does it handle disputes?
A disputed invoice or line is flagged, excluded from dunning, aged separately, and tracked to resolution. Disputes buried inside ordinary ageing are how a collections list becomes untrustworthy.
Can customers pay online?
Yes, through the customer portal by card, ACH, or bank transfer, against one invoice or a selection. Payments apply to the right open items automatically.
Does it work with our existing ledger?
Yes. Invoices, payments, and ageing are read from QuickBooks, NetSuite, Sage Intacct, Acumatica, Dynamics, Odoo, or Xero, and cash application writes back.
What about retainage?
Tracked separately on both sides and aged independently, which matters for contractors where it is a large share of the balance and invisible in a standard report.

Find out which accounts to call first.

Send an ageing export and we will rank it by recoverability, with the reasoning attached.