Trove and Equisettle both help UK small businesses get paid faster — but Trove focuses on doing one thing well (automated email chasing), while Equisettle adds predictive AI, WhatsApp and SMS, and a broader UK accounting integration set. If you want the simplest possible invoice chasing tool at a fixed price, Trove delivers it. If you want AI-led proactive collections across multiple channels, Equisettle goes further.
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| Equisettle | Trove | |
|---|---|---|
| Starting price | £49/month | £50/month |
| Free trial | Yes — no credit card | Yes |
| Predictive AI | Yes — 14-week forecast, 94% accuracy | No (AI for drafting replies only) |
| WhatsApp outreach | Yes | No |
| SMS outreach | Yes | No |
| Email outreach | Yes | Yes — from your own domain |
| Email bounce monitoring | No | Yes |
| UK late payment fees | No | Yes — automatically raised |
| Xero integration | Yes | Yes |
| QuickBooks integration | Yes | Yes |
| FreeAgent integration | Yes | Yes |
| Sage integration | Yes | No |
| NetSuite integration | No | Yes |
| Per-customer reminder sequences | Yes | Yes |
| Pre-due-date reminders | Yes | Yes |
| Payment portal | Yes | No |
| Target company size | SME up to enterprise | SME up to £30M turnover |
Equisettle is an AI-powered AR platform built for UK SMEs and growth companies. Its predictive model scores invoice payment risk up to 14 weeks before the due date with 94% accuracy — enabling proactive outreach before invoices go late. Collections run across email, SMS, and WhatsApp. Native integrations with FreeAgent, Xero, QuickBooks, and Sage cover the full UK SME accounting stack. Pricing from £49/month with a free trial.
Best for: UK SMEs wanting AI-led proactive collections with multi-channel outreach.
Trove is a focused credit control tool that does one job: chase unpaid invoices by email. It sends reminders from your own email domain, supports per-customer reminder sequences and pre-due-date nudges, automatically raises UK late payment fees, and monitors email deliverability. It integrates with Xero, QuickBooks, FreeAgent, NetSuite, and Stripe.
Trove uses AI to help draft replies to customers and update expected payment dates in Xero — but this is an admin aid, not predictive analytics. Pricing is a fixed £50/month regardless of invoice volume or revenue. It targets businesses with up to around £30M in turnover.
Best for: UK small businesses wanting a simple, fixed-price email chasing tool with clean accounting integrations and no AI complexity.
Equisettle's machine learning model predicts which invoices will be paid late up to 14 weeks in advance — enabling the finance team to prioritise outreach on the highest-risk invoices before the due date arrives. This is predictive, proactive, and portfolio-wide.
Trove uses AI only for productivity: drafting email replies and updating Xero records. There is no predictive risk scoring. Trove's approach is reactive — it automates what happens after an invoice is issued, not before.
Winner: Equisettle
Equisettle runs automated outreach across email, SMS, and WhatsApp. Trove is email-only. For businesses whose debtors are more responsive to SMS or WhatsApp (common in construction, trades, and consumer-facing businesses), email-only tools will under-perform.
Winner: Equisettle
Trove sends from your own email domain and monitors bounce rates — a genuine differentiator for maintaining sender reputation. Equisettle's email sending is automated but does not currently surface bounce monitoring as a dedicated feature.
Winner: Trove — for email deliverability focus.
Trove automatically raises UK late payment fee invoices when configured to do so — a useful automation for businesses that routinely apply charges under the Late Payment of Commercial Debts Act. Equisettle does not currently automate late fee invoicing.
Winner: Trove
Both cover Xero, QuickBooks, and FreeAgent. Equisettle adds Sage; Trove adds NetSuite and Stripe. For most UK SMEs, Sage coverage from Equisettle is the more relevant differentiator. Trove's NetSuite integration makes it relevant for slightly larger or more complex businesses.
Winner: Draw — different strengths depending on your stack.
| Equisettle | Trove | |
|---|---|---|
| Entry price | £49/month | £50/month |
| Pricing model | Tiered | Fixed (no volume pricing) |
| Free trial | Yes | Yes |
Pricing is near-identical at entry level. Trove's fixed pricing regardless of volume is an advantage for high-invoice businesses. Equisettle's tiered model may offer more features at higher tiers.
Trove is an excellent email-first chasing tool for UK small businesses that want simplicity and fixed pricing. Equisettle is the stronger platform for businesses that want to go beyond email — with AI-led prediction, WhatsApp/SMS outreach, and a payment portal. At near-identical entry prices, the decision comes down to whether you need predictive AI and multi-channel outreach (Equisettle) or focused email automation with deliverability controls (Trove).
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