AI & AGENTS · COLLECTIONS AGENT

The collections agent that never forgets to follow up.

Prioritises overdue accounts by risk and drafts the follow-up. A person still hits send.

THE JOB

Chasing overdue accounts, minus the guesswork.

The agent decides who to chase and drafts the message. A person still hits send.

The manual version

1
Someone runs an aged debtors report and works it top-down by balance.Not by actual risk of non-payment.
2
Follow-up emails get written from scratch, account by account.Tone and detail vary depending on who's covering AR that day.
3
The same customer gets chased twice, or not at all.Depends entirely on who picked up the file.
4
Nobody escalates until the balance is embarrassing.By then the relationship is already strained.

What the agent does

✓
Pulls the aged debtors ledger and ranks accounts by real risk.Payment history, terms, and promise-to-pay patterns, not just balance size.
✓
Drafts a follow-up in a tone that fits the account and the stage.A first reminder reads differently to a 90-day-overdue notice.
✓
Queues every draft for approval.Nothing reaches a customer without a person reading it first.
✓
Tracks who's been contacted, when, and what came back.So the next follow-up isn't a duplicate or a surprise.

SCOPE

What it touches, and where it stops.

Money and customer relationships both need a human in the loop, this agent assumes that.

What it touches

1
Aged debtors data in Business Central or F&O.Balances, terms, and payment history by customer.
2
Draft follow-up emails and portal messages.Prioritised by risk, not just how overdue the balance is.
3
Payment-promise and dispute tracking against the ledger.Logged against the account, not lost in an inbox.
4
Escalation flags for accounts trending toward collections.Surfaced early enough to act on.

What it can't do

1
Send anything without a person approving it first.Every draft sits in a queue until someone clicks send.
2
Negotiate a payment plan or write off a balance.That's a finance decision, not an agent decision.
3
Decide to send an account to a collections agency.Routed to finance leadership as a recommendation, not an action.
4
Chase a dispute that's really about shipping or quality.Redirected to customer service instead of nagging the customer.

HOW IT FITS

Five steps between an overdue invoice and a paid one.

Only two of them need a person.

Rank

Overdue accounts reordered by real risk, not just balance size.

Draft

A follow-up written in a tone that matches the account and the stage.

Approve

Queued for a person to read, edit, or bin before it goes out.

Track

Replies, promises, and disputes logged against the account automatically.

Escalate

Accounts that stall past an agreed point get flagged for a human decision.

FAQ

Questions finance teams ask first.

Q.What does it cost to run?

Priced per engagement, based on customer volume and the number of entities involved, plus the Copilot Credits it uses to draft and prioritise. We scope both up front.

Q.What happens when it's not sure?

An ambiguous reply, a disputed amount, or an unfamiliar payment pattern gets flagged for a person rather than drafted around.

Q.Could this damage customer relationships?

Every message is drafted, not sent, nothing reaches a customer without someone reading it, so tone problems get caught before they go out.

Q.Does it handle multiple currencies and entities?

Yes, as long as terms and aging rules are configured per entity, it works from your setup, not a single default.

Q.How is this different from a dunning letter template?

Templates don't read the account history or adjust tone by risk and stage. This does, and it still leaves the send decision with a person.

SEE IT WORK

Watch it draft against your real aged debtors list.

Bring your current AR aging report and we'll show you what it would flag first.

Request a demo

See the prioritisation and the drafts it produces, side by side.

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Book a 30-minute call

Talk through how it would slot into your current collections process.

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