Solutions / Back office
Late invoices chased on time, without the awkward call.
An agent that watches your debtors list, sends each late payer the right reminder at the right time, drafts answers to their questions and tells you who needs a phone call.
What outside research says
42% of South African small businesses surveyed in 2026 say they struggle with late payments.
Source: Xero, 2026 (opens in a new tab)62% of South African small businesses surveyed had cash flow issues in the past year.
Source: Xero, 2026 (opens in a new tab)
Findings from the research linked under each figure. They are not Yielde results.
The loop
How it works
From an open invoice to a paid one
Six steps, from the first event to the result. Choose a step to read what happens in plain words, how it is built, and what keeps it right.
Step 1 of 6
It reads your debtors list
In plain words
Every morning it looks at who owes you what, and since when, straight from your accounting system. Not from a spreadsheet someone forgot to update.
Safeguard It can read your books but cannot change them: its access to Sage or Xero is read-only.
Under the hood
It is built to connect to Sage or Xero through the system's API, the official door it offers to other software, with read-only access. Each open invoice is read with its customer, due date, the balance still owing, and any part payment or credit note against it. That list is compared with the chase history it keeps, so it knows which reminder each invoice last had and when. Customers you have put on hold, or marked never to be chased, are set aside before anything else happens.
Works with
- Sage
- Xero
It drafts the right reminder
In plain words
You set the ladder: a friendly note before the due date, a firmer one after it, and the point where it becomes your call. The agent writes each reminder to suit the customer.
Safeguard It cannot threaten, add interest or mention fees or legal steps unless you wrote that wording into the rung yourself.
Under the hood
The ladder is a set of rungs you choose per customer type, each with its timing and the line it may not cross. The language model chooses the wording inside that rung: a good customer late for the first time gets a lighter note than one who is late every month. Invoice numbers, amounts, dates and your bank details are filled in from the ledger and your settings, never typed by the model, so the model cannot misquote them. A separate check then reads every draft for fees, interest or legal steps and stops it if the rung does not allow them.
You approve what goes out
In plain words
Each morning the reminders reach your phone as one list. Send them, change one, or hold an account back because you know something the books do not.
Safeguard The final rung, and any account with a dispute or a promise to pay, cannot be sent without your approval attached.
Under the hood
It starts in draft mode: for the first period nothing reaches a customer without your tap. Once you trust a rung, you can let it go out on its own while the later rungs still wait. Your edits are kept and gone through with you, so the wording on the ladder improves from what you actually change. The final rung, and any account with an open dispute or a promise to pay, waits for you every time. An account still quiet after the last rung is handed to you with its history, as one to phone.
It checks again, then sends
In plain words
Just before a reminder goes, it looks at the invoice one more time. If the customer paid this morning, the reminder is dropped and they never hear about it.
Safeguard A reminder is never sent from an old reading of the books. If the balance changed since the draft, it does not go.
Under the hood
Between the draft and the send, money moves. So at the moment of sending it reads the balance from the ledger again and checks for any new reply from the customer. If either has changed, the reminder is cancelled or drafted again. Each send carries a key made from the invoice and the rung, so a retried step can never remind the same invoice twice. Reminders go only in the hours you set, with the invoice attached. WhatsApp only lets a business open a conversation with a message template it has approved in advance, so that wording is agreed with you first.
Works with
- Sage
- Xero
Paid since the draft: goes straight to step 06, It stops when you are paid.
It reads every reply
In plain words
When a customer answers, it works out what they mean. A request for a statement is answered, a question gets a drafted reply, and a dispute or a promise to pay comes to you with the history.
Safeguard A dispute pauses every reminder on that invoice until you clear it. The agent never argues the point with the customer.
Under the hood
The language model sorts each reply into one of a fixed set of kinds, with a confidence score, meaning how sure it is. Anything below the line you agree goes to you. A promise to pay is logged with its date and the ladder pauses until then; if the date passes unpaid, the account comes back to you. A dispute stops the chase on that invoice. A customer who says they paid is checked against money received but not yet allocated in the ledger. Statements and invoice copies go only to the address on the account.
Works with
Dispute or promise: goes back to step 03, You approve what goes out.
It stops when you are paid
In plain words
Once the money is in and recorded against the invoice, the chase ends by itself. Each week you get a short list: who paid, who promised, and who needs a call from you.
Safeguard An invoice that is paid, credited or written off in your books is never chased again.
Under the hood
The chase closes when the ledger shows the invoice settled, so it follows your books, not a guess from the bank. A part payment keeps the chase going on the balance only, with the new amount filled in. Money that arrived but was never allocated to an invoice is flagged for your bookkeeper instead of being chased. Every reminder, reply and decision is kept in a log per account: that is the history you see when an account comes to you.
Works with
- Sage
- Xero
What it knows
Your open invoices, due dates and payments from Sage or Xero, the ladder and wording you agreed, each customer's chase history, and the notes you add, such as 'never chase this one'. It answers questions from those and nothing else.
What it may do on its own
Read the ledger, draft reminders, sort replies, log promises to pay, and send invoice copies or statements to the address on file. Once you allow it, the early rungs of the ladder can go out without a tap from you.
What waits for your yes
The final rung, every account with a dispute or a promise to pay, any account still quiet after the last rung, any change to the ladder or its wording, and any reply it is unsure about. Writing off a debt, adding interest or handing an account to collections is never its decision.
How we test it
Before it reaches a customer it is replayed against a test copy of your debtors and real past cases: the invoice paid an hour before the send, the part payment, the angry reply, the customer who quotes the wrong invoice number. Then comes a draft-only period in which you approve every send.
What we measure
Once it is live, these are tracked and reviewed with you.
- Invoices paid after each rung of the ladder
- Days from due date to payment
- Reminders stopped because the invoice was paid
What you get
- A reminder schedule you set per customer type
- Statements and invoice copies on request
- Promise-to-pay tracking
- A weekly debtors summary
Works with
- Sage
- Xero
Who it is for
Businesses that invoice on terms and carry too much in debtors.
Built to order. We scope it with you on a call, price it before any work starts, and run it in draft mode until you trust it.
Related
- Sage connection
Books that are up to date without capturing anything twice.
Agents that read from and write to Sage: quotes become invoices, supplier bills are captured from the email they arrive in, and payments are matched for your bookkeeper to confirm.
Built to order - CRM management agent
A CRM that keeps itself current, and a follow-up list every morning.
An agent that logs every call, email and message against the right contact, moves deals along, and tells each salesperson who to follow up today.
Built to order - Administration agent
Routine paperwork prepared before you ask for it.
An agent that reads the forms, slips and documents your business runs on, puts the data where it belongs, and prepares the routine paperwork for a signature.
Built to order