Equisettle and Kolleno both use AI to automate accounts receivable — but they target different ends of the market. Equisettle is built for UK SMEs: transparent pricing from £49/month, 48-hour setup, WhatsApp/SMS outreach, and predictive analytics that forecast late payments 14 weeks ahead. Kolleno targets larger finance teams with enterprise integrations and custom pricing — but no free trial and a longer sales process.
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| Equisettle | Kolleno | |
|---|---|---|
| Starting price | £49/month | Custom (contact sales) |
| Free trial | Yes | No |
| AI-powered predictions | Yes 14-week forecast, 94% accuracy | Yes AI-powered workflows |
| WhatsApp outreach | Yes | Not publicly confirmed |
| SMS outreach | Yes | Not publicly confirmed |
| Email outreach | Yes | Yes |
| Payment portal | Yes | Yes |
| Cash flow forecasting | Yes 30–90 day | Yes |
| Xero integration | Yes | Yes |
| QuickBooks integration | Yes | Yes |
| FreeAgent integration | Yes | No Not listed |
| Sage integration | Yes | No Not listed |
| ERP integration (NetSuite etc.) | No | Yes |
| CRM integration | No | Yes |
| Transparent pricing | Yes | No |
| Setup time | 48 hours | Not specified (sales-led) |
| UK SME focus | Yes | Mixed (UK/EU/Enterprise) |
Pricing as of April 2026. Kolleno pricing requires contacting sales.
Equisettle is an AI-powered accounts receivable platform built for UK SMEs and growth companies. Its machine learning model predicts invoice payment risk up to 14 weeks ahead with 94% accuracy — enabling proactive outreach before a payment is late, not after.
The platform automates collections across email, SMS, and WhatsApp, integrates natively with FreeAgent, Xero, QuickBooks, and Sage, and gets finance teams live within 48 hours. Pricing starts at £49/month with a free trial and no credit card required.
Best for: UK SMEs that want affordable, AI-led AR automation with fast setup and multi-channel outreach.
Kolleno is an accounts receivable platform built by and for finance professionals. It combines receivables automation, payment collection, and reconciliation in a single platform — with deep integrations across accounting systems, ERPs, and CRMs. Its AI capabilities include context-sensitive workflow automation and customer payment behaviour insights.
Kolleno is positioned toward larger finance teams with more complex data environments — pulling from multiple accounting systems, ERPs like NetSuite, and CRM platforms simultaneously. Pricing is custom and requires a sales conversation; there is no free trial.
Best for: Mid-market and enterprise finance teams with complex multi-system data environments and custom workflow requirements.
Equisettle uses ML-based predictive analytics to score every invoice for payment risk up to 14 weeks in advance. This gives collections teams a prioritised, intelligence-driven worklist — flag the invoices most likely to go late before they do.
Kolleno also uses AI, primarily to automate workflow decisions and generate context-sensitive communications from data across connected systems. Its 2026 AI agent feature set includes automated action suggestions and payment behaviour analysis. The focus is on intelligent workflow execution rather than predictive risk scoring.
Both platforms bring genuine AI to AR — but Equisettle's predictive model is more explicitly forward-looking, while Kolleno's AI is more workflow-execution focused.
Edge: Tied (different AI use cases)
Equisettle supports email, SMS, and WhatsApp — three channels with very different response profiles. WhatsApp particularly outperforms email for invoice reminders in many sectors.
Kolleno supports email communications. Multi-channel outreach (SMS, WhatsApp) is not prominently featured in public documentation.
Edge: Equisettle
Equisettle integrates deeply with the four major UK SME accounting platforms: Xero, QuickBooks, FreeAgent, and Sage. This covers the vast majority of UK small business accounting.
Kolleno integrates with a broader range of enterprise systems: Xero, QuickBooks, NetSuite, Salesforce, and other ERPs and CRMs. For businesses running NetSuite or Salesforce, Kolleno's integration depth is a real advantage.
For UK SMEs on FreeAgent or Sage, Equisettle is the better fit. For mid-market businesses on NetSuite or Salesforce, Kolleno has the edge.
Edge: Context-dependent. Equisettle for SME accounting stacks; Kolleno for enterprise ERP/CRM environments.
Equisettle publishes its pricing (from £49/month), offers a free trial with no credit card required, and gets teams live in 48 hours. There are no hidden sales gates to evaluate the product.
Kolleno does not publish pricing. Evaluation requires a sales conversation and demo. There is no free trial. For small finance teams with limited budget, this creates friction — you may spend weeks in a sales process only to discover the product doesn't fit your budget.
Edge: Equisettle (significantly more accessible for SMEs)
Kolleno's 2026 feature set includes enhanced payment controls — including customer portfolio payment limits, a global document repository, and payment reconciliation built into the platform. For finance teams handling large volumes of incoming payments, this embedded reconciliation is genuinely valuable.
Equisettle focuses on the collections and forecasting layer. Payment reconciliation is handled within your connected accounting system (Xero, QuickBooks, etc.) rather than inside Equisettle itself.
Edge: Kolleno (for businesses that want reconciliation inside the AR platform)
Equisettle is designed for self-serve deployment: connect your accounting software, configure your messaging sequences, and you're live within 48 hours. No sales call required.
Kolleno is a sales-led product. Onboarding timelines are not publicly specified, but enterprise-grade platforms with custom integrations typically require weeks of implementation, not hours.
Edge: Equisettle
| Equisettle | Kolleno | |
|---|---|---|
| Entry price | £49/mo | Custom (contact sales) |
| Free trial | Yes Yes | No No |
| Pricing transparency | Yes Published | No Hidden |
| Setup speed | 48 hours | Sales-led (weeks) |
[Try Equisettle free — see your at-risk invoices in 48 hours →]
Equisettle and Kolleno are both AI-powered AR automation platforms — but they're aimed at different problems and different buyers.
If you're a UK SME looking to automate collections, reduce DSO, and get live quickly without a sales process, Equisettle is the clearer choice: faster, cheaper, and built specifically for the UK SME accounting stack.
If you're a mid-market finance team running NetSuite or Salesforce, managing complex multi-entity environments, and want embedded payment reconciliation, Kolleno's enterprise integration depth makes it worth the sales conversation.
For most growing UK businesses evaluating both, the combination of Equisettle's predictive AI, transparent pricing, and multi-channel outreach makes it the right starting point.
