Know which customers will pay late before they do

Stop writing off bad debt. See which customers are high risk before extending credit, which invoices need attention now, and which payment promises are actually credible. Make credit decisions based on real payment behavior, not guesswork.

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94%
faster cash
recovery
15 hrs
saved
per week
10+
UK finance
teams
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Reduce bad debt write-offs by 42%

Proactive credit control identifies problems before they become uncollectible. Early intervention with at-risk accounts prevents small issues from becoming major losses. Average bad debt reduction of 42% in first year.

✓   Collections running in the background, 24/7, without being asked
‍
✓   "It's like having an extra finance team member — without the salary."
‍
✓   Cash flow you can predict — not just hope for

✓   Finance team spending time on strategy, not spreadsheets

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Automated invoice payment collection, from prediction to  payment

Built specifically for leading finance team - built now, for later.
Stop extending credit to customers who won't pay
See payment history, DSO trends, and risk indicators before approving orders. Know if a customer always pays 60+ days late or has deteriorating payment patterns. Protect your cash flow by making informed credit decisions.
Catch payment issues before they become bad debt
Early warning system flags customers trending toward late payment. See when reliable customers start slipping, when payment velocity slows, or when communication patterns change. Act early, not when it's already written off.
Prioritize collection efforts by actual risk
Every customer gets a risk score based on payment behavior, industry patterns, and current financial health. Sort by risk to focus on accounts that need immediate attention vs those that'll pay without chasing.
Set credit limits based on real data
Automatic credit limit recommendations based on payment history and current exposure. See when customers are approaching limits, have exceeded terms, or show signs of financial stress. Make confident credit decisions.
Benchmark customers against industry standards
Compare payment performance to similar businesses in their sector. See if 45-day payment is normal for their industry or a red flag. Context matters when assessing risk and setting terms.
Reduce disputes with transparent communication
Clear payment expectations and proactive communication reduce misunderstandings. Customers see their payment status, upcoming obligations, and credit standing. Less friction, fewer disputes, faster payment.

Equisettle doesn't just predict late payments—our AI autonomously executes your entire collections process. From intelligent outreach to payment recovery, we do the work.

Stop extending credit to customers who won't pay

See payment history, DSO trends, and risk indicators before approving orders. Know if a customer always pays 60+ days late or has deteriorating payment patterns. Protect your cash flow by making informed credit decisions.

Collections running in the background, 24/7, without being asked

"It's like having an extra finance team member — without the salary."

Finance team spending time on strategy, not spreadsheets

Cash flow you can predict — not just hope for

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Your AR Team works 9-5. Equisettle works 24/7.‍

Most finance tools show you what's overdue. Equisettle tells you what's going to be overdue — and then handles it before it becomes a problem. Our AI analyses 50+ signals across payment history, customer behaviour, and seasonal patterns to predict issues up to 14 weeks out. Then it acts.

Predict Late Payments Before They Happen

Know which invoices are at risk 7–14 days in advance. Our model analyses payment history, invoice size, seasonality, and customer behaviour — with 94% accuracy.

Collections That Run Without You

Equisettle automatically escalates at-risk invoices across email, SMS, and WhatsApp — personalised per customer, timed for maximum response. You only get involved when it's actually necessary.

Cash Flow Visibility You Can Plan Around

See your predicted cash collection for the next 30–90 days. Know exactly which customers to prioritise and when. Make decisions with data, not gut feel.

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No credit card · No commitment · GDPR compliant · UK team

Finance teams that stopped chasing and started collecting

How it works

Connect once. Collections run automatically.

No IT team. No lengthy onboarding. Connect your accounting software and Equisettle starts working on your wholesale AR immediately.

01
Connect your accounting software
‍
Link FreeAgent, Xero, or QuickBooks with a few clicks. Your invoices, customer history, and payment data sync automatically — no CSV exports, no manual setup.
5 min setup
02
AI learns your trade account patterns
‍
Equisettle analyses 50+ behavioural signals across your payment history to score every customer and invoice. The longer you use it, the smarter it gets.
94% accuracy
03
Wholesale collections run without you
‍
From day one, Equisettle manages your entire collections process while you focus on the work that actually moves your business forward.
Live in 48hrs

Frequently asked questions

How can I apply?

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Will I be able to get refunds?

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Is shipping included in the price?

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Where do I sign in?

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Is shipping included in the price?

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What is your return policy?

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