What it does
AR and Collections Agent moves chasing overdue invoices out of a spreadsheet and into something repeatable. You provide the open-invoice ledger. It ages the receivables into the standard buckets — current, 1-30, 31-60, 61-90 and 90 plus — scores each customer's collection risk as low, medium, high or severe, drafts a payment reminder per overdue account, proposes escalations for the worst ones, and produces a probability-weighted forecast of what is actually collectible in the next thirty days. The reminder drafts are tone-graduated, which is the part that makes this usable rather than dangerous. Friendly, firm, final, escalation — matched to how overdue the account is. A customer thirteen days late and a customer four months late with two broken promises should not receive the same email, and sending the firm one to the first is how you damage a working relationship over an invoice that was going to be paid anyway. Risk scoring reflects that too: it draws on worst-bucket exposure, the overdue ratio and broken payment promises, so a customer who reliably pays late but always pays scores differently from one who promises and does not. The guardrail is absolute. Every reminder is a draft carrying an explicit approval requirement, and there is no send capability in the agent at all. Collections correspondence is relationship-sensitive and occasionally legally sensitive; a human decides what goes out. Each step is callable alone: `age_ledger` for the aging table your controller asked for, `score_risk` for the risk view, `forecast_collection` for the cash number, `draft_reminders` when the analysis is already done. Every figure is computed deterministically from your ledger. The model narrates and never invents an amount. Customer names and notes are sanitised before reaching it. No connectors and no credentials — the ledger comes from you, and nothing is sent anywhere. Built for finance specialists and credit control.
Example prompts
- Age our open invoices and tell me who to chase
- Which customers are the biggest collection risk?
- Draft reminders for everyone overdue
