Know Who Will Pay — And Who Won't
AutoSettle analyses your debtors and scores every invoice so you can focus on what matters — recovering the money you're owed.
Still chasing invoices blindly?
Most businesses treat every overdue invoice the same. That's a problem.
Every debtor treated equally
You chase a £500 invoice with the same urgency as a £50,000 one — wasting time on low-priority debt.
Hours lost on manual review
Finance teams spend days scrolling through aged debtor reports trying to decide who needs chasing.
High-risk debt spotted too late
By the time you notice a debtor has gone silent, the window for recovery has already closed.
No data-driven prioritisation
Without behavioural insight, you can't tell a slow payer from a potential default. Guesswork isn't a strategy.
AI-powered debt analysis
The moment an invoice becomes overdue, AutoSettle gets to work — analysing payment history, debtor behaviour, response patterns, and overdue timelines to build a complete risk profile.
Analyse behaviour
Every debtor's payment history is evaluated against your entire ledger.
Score risk
Each invoice receives a risk classification and recovery probability.
Prioritise action
Your dashboard surfaces the debtors that need attention right now.
Every debtor gets a risk score
AutoSettle classifies every debtor into four risk levels with a recovery probability percentage — so you instantly know where you stand.
Reliable payer. Historically pays on time or within a few days. Minimal intervention needed.
Occasionally late. Shows some inconsistency but typically responds to reminders.
Frequently late or ignoring communications. Needs proactive escalation strategy.
Significant risk of default. Multiple overdue invoices, no response to outreach.
Explore the full scoring model → Risk Scoring
How AutoSettle thinks
The analysis engine evaluates six core signals for every debtor — continuously updated as new payment data arrives.
Historical payment behaviour
How quickly they've paid in the past across all invoices
Average days late
Their typical delay pattern — improving or deteriorating
Number of unpaid invoices
Total outstanding exposure across your ledger
Ignored reminders
How many chasing attempts have gone unanswered
Invoice size and age
Larger, older debts receive higher priority weighting
Response patterns
Whether they open emails, click links, or engage at all
Dive deeper → Payment Behaviour Intelligence
Stop chasing everything. Chase what matters.
Instead of working through your aged debtor report line by line, AutoSettle's prioritisation engine tells you exactly what to do next — ranked by impact.
- Who to chase first — based on value and probability
- Who needs immediate escalation — silent, high-exposure debtors
- Who will pay without pressure — reliable payers that just need a nudge
Northfield Ltd
£24,500 overdue
Greenway Services
£12,300 overdue
Atlas Digital
£8,200 overdue
Bright & Co
£3,100 overdue
Simulated prioritisation view
Tools that power this stage
Three products work together to give you complete visibility over your receivables.
The impact on your business
Spend less time chasing — focus on invoices that need attention
Prioritise high-value debt — recover more, faster
Reduce bad debt — catch at-risk accounts before it's too late
Improve cash flow predictability — know what's coming in