Receivables Recovery Agent
Chases what is actually collectable, in the order that gets you paid
77% of receivables is past due.
16 open invoices total $365.9K; 12 of them, worth $280.1K, are overdue.
Weighted by amount, overdue invoices are 52 days late.
Northwind Traders owes 38% of the overdue balance ($106K); its oldest invoice is 107 days late.
Collection order is amount × days overdue. Whether a customer will pay is not in the data.
Aging (value)
Overdue by customer
- Northwind Traders$106K
- Contoso Ltd$79.5K
- Tailspin Toys$33K
- Fabrikam Inc$22K
- Wingtip$16.6K
- Adatum Corp$15.8K
- Litware$7,200
Collect first
| Invoice | Customer | Amount | Days late | Amount × days |
|---|---|---|---|---|
| INV-2201 | Northwind Traders | $48K | 107 | $5.1M |
| INV-2231 | Contoso Ltd | $61K | 59 | $3.6M |
| INV-2214 | Northwind Traders | $36K | 71 | $2.6M |
| INV-2188 | Fabrikam Inc | $9,400 | 122 | $1.1M |
| INV-2260 | Northwind Traders | $22K | 25 | $550K |
| INV-2244 | Fabrikam Inc | $12.6K | 32 | $403.2K |
| INV-2257 | Wingtip | $5,400 | 61 | $329.4K |
| INV-2272 | Wingtip | $11.2K | 29 | $324.8K |
What to do this week
- Call Northwind Traders first: $106K overdue across 3 invoices, the oldest 107 days late.
- Escalate the 2 invoices over 90 days ($57.4K) beyond the normal reminder.
- Review credit terms for Northwind Traders, which holds 38% of the overdue balance.
Do
- Send reminders in order of amount × days overdue, not in invoice order.
Don't
- Don't treat all overdue invoices alike: a small recent one is not a large old one.
How to improve
- Add the payment history per customer so the next report can show who pays late habitually.
- Add invoice dates and payment terms so the next report can compare terms with actual days to pay.
Demo
Overview
Collections tools run one ladder for everyone: a reminder at seven days, firmer at fourteen, a final notice at thirty. That is the problem. A customer who always pays at fifty-five does not need chasing at seven, and one who is three days late for the first time has lost the invoice — a firm letter turns a good account awkward for nothing.
This agent ranks by what is collectable. It reads each customer's own payment history, so a late invoice from a reliable payer is treated differently from one from a customer who has slipped every quarter, and it puts the largest genuinely-overdue balances at the top rather than the oldest.
And it separates late from wrong. A large share of overdue invoices are not a collections problem at all — a purchase order is missing, a line is disputed, the address is wrong. No reminder collects those, and every one sent damages the relationship. Those go to a different list with what to fix. It drafts each message in your tone and sends none of them: what leaves under your name, to your customer, is your decision.
Benefits
Cash in sooner
By chasing the invoices that will actually move.
Relationships intact
Nobody chased for an invoice that was wrong in the first place.
The wrong invoices fixed
Which is the only thing that ever collects them.
What it does
Ranks by collectable, not by oldest
The largest genuinely overdue balance first. A date-sorted list chases the wrong invoice every morning.
Separates late from wrong
A missing purchase order or a disputed line is not a collections problem, and no reminder will ever collect it.
Reads each customer's own rhythm
Fifty-five days from someone who always takes fifty-five is not late in any useful sense.
Escalates by history, not by day count
First-time slip and fourth-quarter-running are different situations and get different words.
Flags the account worth protecting
Where the customer's value makes a firm chase the expensive option.
Sends nothing
What goes out under your name to your customer is your decision, every time.
What this changes
What this changes about your week
- It takes over
- Deciding who to chase this week and writing each message.
- Done today by
- Whoever least wants to do it, which is why it slips.
- How often
- Weekly, and it is the week it slips that hurts.
- Typical manual effort
- Working an aged ledger properly is a morning a week.
Why Finance & Accounting in particular. Collections tools run one ladder for everyone. A third of overdue invoices are not late but wrong — a missing PO, a disputed line — and no reminder ever collects those, while every one sent damages the account.
Runs unattended
Started by you or by an event, and it finishes on its own. Nothing waits for someone to be at a desk.
The same standard every time
The two-hundredth item is held to the bar the first one was. Consistency is the part people cannot sustain.
It cannot act on its own
Receivables Recovery Agent has no path to sending, spending or committing. That limit is why its output is safe to act on.
How it runs
This agent runs server-side through the PROMIVO runtime. Each run is logged step by step and every tool call is permission-checked before it executes.
- 1InputValidated against the agent input schema
- 2Modelclaude-sonnet-5 with automatic fallback
- 3Toolsextract_structured_data
- 4PermissionsRuns READ actions automatically; anything higher waits for approval
- 5OutputStructured result matching the output schema
- 6LoggingTokens, duration and every step recorded
Requirements
Integrations
No integrations required.
Before you start
- Your overdue invoices
- Payment history per customer
- Any disputes or queries on the account
- Requires the Starter plan or higher
Use cases
Weekly collections run
Who to chase, in what order, with the message drafted.
A cash squeeze
The shortest path to the most money.
Cleaning an aged ledger
Which balances are collectable and which need fixing or writing off.
Pricing
Starter
Billed monthly through your PROMIVO subscription. Cancel at any time.
Runs consume your plan allowance for agent executions and tokens. See plan limits
FAQ
Will it send the chases?
No. A collections message goes to a customer under your name and can damage a relationship worth far more than the invoice. Every draft waits for you.
Does it threaten legal action?
Never. Threatening proceedings, interest or an agency is a decision with legal consequences and rules about how it may be worded. It flags the account and stops.
How does it know an invoice is wrong rather than late?
From your own records — a raised dispute, a missing purchase order, a bounced delivery, a query on the account. Where the records do not say, it marks it unknown and suggests the question to ask.
Reviews
Reviews open once customers have run this agent.
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