Talk to your debt. It talks back.
AI Copilot doesn't just analyse your debtors — it understands your relationship with them. It knows what services you provide, how long you've worked together, and whether their payments are getting worse. Then it acts — creating settlements, activating recovery, issuing penalties — all through conversation.
This is what a conversation looks like
No dashboards, no forms, no clicking through pages. Just tell the AI what you need and it handles everything.
Eight dimensions of intelligence
Each capability works together to give you a complete, emotionally-aware, action-ready copilot for every debtor relationship.
How AI Copilot thinks
You mention a debtor
Say any company name in conversation. The AI instantly searches across your invoices, communications, settlements, penalties, and recovery cases to build a complete picture.
It builds a relationship dossier
Calculates how long you've worked together, your payment reliability score, revenue significance, service history from invoice line items, and classifies the debtor archetype.
It understands the emotional context
A 3-year client who suddenly stops paying feels different to a new client who never paid. The AI adapts its tone, urgency, and recommendations based on the relationship.
It recommends and executes
Suggests the optimal recovery strategy — and executes it right there in the chat. Create settlements, payment plans, penalties, or escalate to legal recovery without leaving the conversation.
Things you can actually say
No commands to memorise. Just talk naturally.
It knows who they really are
Every debtor gets classified into a behavioural archetype based on their payment history, trajectory, and exposure level.
Loyal but Slow
Long-term client, always pays — but never on time. 78% reliability, averaging 22 days late.
Serial Defaulter
Consistently misses payments with no improvement trajectory. Multiple overdue invoices stacking.
High-Value Deteriorating
Significant revenue client whose payment speed has worsened dramatically in recent months.
New & Unproven
Less than 6 months of history. Not enough data to predict — needs close monitoring.
Silent Evader
Stops responding to all communication. High chase count, zero responses. Requires escalation.
Dispute-Driven
Raises disputes or queries on invoices as a delay tactic. Payment correlated with resolution.
This doesn't exist anywhere else
Other platforms give you dashboards and reports. AutoSettle gives you an AI that understands your business relationships and takes action.