Know Which Debts Are at Risk — Instantly
AutoSettle scores every debtor and invoice so you can prioritise recovery and settle faster.
Not a credit score. A recovery prioritisation engine that tells you where money is at risk and what to do about it.
14-day free trial · 14-day free trial
Xero & QuickBooksRisk Prioritisation
Apex Digital
Critical£12,400 · 67d overdue
GreenBuild Ltd
High£8,420 · 42d overdue
Hartley & Co
Medium£3,200 · 18d overdue
BluePeak Ltd
Low£1,800 · 5d overdue
AI Priority
"Apex Digital crossed critical threshold — recommend immediate legal escalation."
£2.4m
recovered through AutoSettle
82%
average recovery rate
3x
faster payment collection
Chasing without risk data is guesswork
Most businesses chase in the wrong order, treat all debts the same, and miss early warning signs. The result: lost time, missed recovery opportunities, and bad debt.
Without risk scoring, you're spending the same effort on a £500 low-risk invoice as a £12,000 critical one.
Chase in the wrong order
No way to know which debtors need attention first
Treat all debt the same
No differentiation between low-risk and critical accounts
Miss early warning signs
Risk signals go unnoticed until it's too late
Waste time on low-probability debt
Effort spent where recovery is unlikely
Guesswork vs Risk-Driven Recovery
Without
Chase all debtors equally
With AutoSettle
Prioritise by risk score
Without
React when invoices go bad
With AutoSettle
Predict risk before it happens
Without
Manual debtor assessment
With AutoSettle
Automated, real-time scoring
Without
No visibility into exposure
With AutoSettle
Full risk breakdown per debtor & invoice
Without
Same approach for everyone
With AutoSettle
Tailored actions based on risk level
Real recovery risk, not generic credit scores
AutoSettle scores every debtor and invoice based on actual payment behaviour — not third-party credit data. Scores reflect how likely you are to collect this specific debt.
Payment behaviour
Average days to pay, late frequency, consistency
Overdue duration
How long invoices have been outstanding
Engagement levels
Response to reminders, portal visits, communication
Historical patterns
Payment speed trends, reliability over time
Risk Levels
Immediate action required — high value, long overdue, unresponsive debtor
Escalation candidate — declining payment behaviour, missed reminders
Active monitoring — overdue but showing some engagement
On track — reliable payer, minor or no overdue
Granular visibility — debtor and invoice level
Risk scoring works at two levels: the overall debtor relationship and each individual invoice. This means you can identify which specific debts are most at risk — not just which debtor is problematic.
A debtor might be medium risk overall, but have one critical invoice that needs immediate attention.
Score entire debtor relationships based on overall behaviour
Score individual invoices based on age, amount, and context
Identify which specific debts are most at risk
See risk breakdown across your full receivables portfolio
GreenBuild Ltd
Overall risk: High
INV-1042
£4,200 · 42d overdue
INV-1038
£2,800 · 28d overdue
INV-1051
£1,420 · 7d overdue
AI Insight
"INV-1042 is critical — 42 days overdue with no engagement. Recommend settlement offer or escalation."
Risk → Action
Low Risk
Monitor — no action needed yet
Medium Risk
Send friendly reminder
High Risk
Escalate tone · Offer payment plan
Critical Risk
Offer settlement · Escalate to legal
Not just insight — action
Risk scoring doesn't just tell you who's at risk. It directly informs what to do — who to chase first, when to escalate tone, when to offer plans, and when to escalate legally.
Every risk level maps to a recovery action. Your AI controller uses risk scores to make these decisions automatically.
Focus effort where it matters most
Risk scoring automatically ranks your debtors and highlights the highest-risk accounts. Instead of chasing everyone equally, you focus recovery effort on the debts most likely to become bad debt.
The result: higher recovery rates, less wasted time, and faster decisions.
Automatically ranks debtors by risk level
Highlights critical accounts that need immediate action
Surfaces high-value at-risk invoices first
Filters your debtor book by risk for faster triage
Recovery Priority Queue
Apex Digital
£12,400CriticalGreenBuild Ltd
£8,420HighNorthside Legal
£5,100HighHartley & Co
£3,200MediumBluePeak Ltd
£1,800LowPowers the full Recovery Engine
Risk scoring feeds every stage of the recovery process — from analysis to legal escalation.
Analyse
Core scoring logic
Risk scores are the foundation of analysis — identifying which debtors and invoices need attention first.
Chase
Prioritised communication
High-risk debtors get chased first. Reminder timing and tone are adjusted based on risk level.
Recover
Tailored offers
Payment plan and settlement offers are shaped by risk — higher-risk debtors get earlier, more flexible options.
Escalate
Informed legal timing
Escalation decisions are driven by risk scores — debtors who cross critical thresholds are escalated sooner.
Scores update in real time
Risk scores update dynamically as payments are made, reminders are sent, and debtor behaviour changes. The system reacts and adapts continuously — always reflecting the current state of your receivables.
Updates with every payment received
Reacts to debtor behaviour changes
Adapts risk levels as invoices age
Improves predictions with more data
Recover more. Waste less.
Risk scoring means you always know where money is at risk and what to do about it — leading to higher recovery rates and better use of time.
Focus on high-value risk
Prioritise the debts that matter most
Reduce bad debt
Act before invoices become uncollectable
Improve recovery rates
Right action at the right time
Faster decisions
AI-driven prioritisation, not guesswork
Built for businesses that need to prioritise
If you're managing multiple debtors and need to know where to focus, risk scoring gives you the answers.
SMEs with outstanding invoices
Know which debts are at risk without manual assessment
Finance teams
Data-driven prioritisation across the entire receivables book
Businesses managing multiple debtors
Focus recovery effort where it will have the biggest impact