Collections AI Agent
Prioritize your collection queue with AI-scored risk scores, automate dunning sequences, and route delinquent accounts to the right collector — all while maintaining full audit trails.
The Collections Pipeline
Visualize how accounts flow through AI-driven risk scoring, tiered dunning, and ERP synchronization.
Upload open AR aging report
Upload open AR aging report or export from your ERP
AI Risk Analysis
AI assigns risk scores to each account, segments by delinquency tier, generates appropriate dunning actions
Review & Process
Approve individual actions or bulk-process low-risk accounts, track all collector activities
What You Get
AI Risk Scoring
Each customer scored on payment history, invoice age, dispute history, and contact recency
Tiered Dunning Sequences
Pre-delinquent, soft dunning, formal demand, escalation — each with templated outreach
Collector Workload Balancing
Distribute accounts across collectors based on territory, language, and workload
Payment Promise Tracking
Log promised payments, auto-alert collectors 48hrs before missed commitments
Before & After
- AR aging report exported to Excel, sorted by gut feel rather than data-driven priority
- Collectors spend 60% of time on accounts that will pay anyway — missing the at-risk accounts
- Dunning letters sent manually, same letter to every customer regardless of delinquency stage
- No systematic follow-up after a promise-to-pay is broken — promise just gets logged and forgotten
- Dispute detection relies on collector judgment, not structured data
- Cash application done manually — payments matched to invoices by account receivable clerk
- DSO target of 45 days but actual running at 62 days with no clear driver identification
- AI risk-scores every open account using payment history, invoice age, dispute history, and contact recency
- Collectors assigned accounts by AI-computed priority score — highest risk gets first contact
- Tiered dunning sequences: pre-delinquent (5 days), soft dunning (15 days), formal demand (30 days), escalation (45 days+)
- Broken promise-to-pay triggers automatic escalation to the next dunning stage
- Dispute detection flags accounts with rising dispute rates and surfaces root-cause data
- Cash application AI matches payments to open invoices automatically, routing exceptions to collector
- DSO dashboard shows driver breakdown: which customers, which invoices, which aging buckets are driving the number
How It Compares
Connects with your ERP in minutes
MCP-isolated sessions per tenant — your ERP credentials are never shared across organizations.
Calculate Your ROI
See exactly how much time and money Collections AI saves based on your AR volume and team size.
Open ROI CalculatorOur DSO had been stuck at 62 days for two years. FinAdvantage identified that 80% of our AR was tied up with 12 customers who were awaiting internal approval to pay — not credit risk. We fixed the internal bottleneck and brought DSO to 38 days in 90 days. The AI didn't just speed up collections; it showed us what we weren't seeing.
Frequently Asked Questions
Ready to Improve Collection Rates?
Join finance teams achieving 90%+ collection rates with AI-powered prioritization.