Chasing overdue invoices is repetitive and can feel uncomfortable, so it is often delayed or handled inconsistently. For many SMEs, that affects cashflow more than anyone wants to admit.
Automation can support cashflow without pretending AI should run finance alone.
Example workflow: preparing the weekly chase list
Each week, an AI agent reviews an invoice export, checks previous communication and customer notes, then drafts polite reminder emails. It prioritises older or higher-value debts and highlights sensitive clients that need a more careful approach.
What the agent would use
- Invoice export
- Accounts system
- Email history
- Customer notes
What it would produce
- Draft reminder emails
- Prioritised chase list
- Escalation notes for old or high-value debts
Where human approval fits
Finance or admin approves each email before sending, especially where the client relationship is sensitive.
Likely saving and risk
Likely saving: 1 to 2 hours per week.
Risk level: medium. Tone and relationship history matter, so the system should draft and prioritise rather than send unattended.
Practical guardrails
- Set tone rules for each reminder stage
- Do not chase disputed invoices automatically
- Flag important or sensitive clients
- Require human approval before sending
A sensible next step
If credit control keeps slipping behind client work, Stuart Cole Consulting can help you build a calm, reviewed workflow that makes the next action obvious.
