CHASIVO FOR SMALL BUSINESSES

Late payment automation for businesses without an AR department.

Automate invoice chasing so outstanding invoices don’t wait until someone finds the time.

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Payments go late because follow-ups are nobody’s full-time job.

For an average SMB with 5 to 20 customers, a single overdue invoice can represent 10 to 30 percent of monthly revenue. When two or three invoices go late in the same period, the operational impact is immediate: payroll tightens, supplier payments get delayed, and decisions that require capital get deferred.

The root cause is rarely a bad customer. It is almost always a delayed follow-up. The invoice goes overdue on a Tuesday. The person responsible for chasing it is occupied with client work, operations, or staffing. By the time the follow-up goes out, it is 10 or 15 days late, and the payment that would have arrived with a timely nudge has slipped to the next cycle.

Enterprise businesses solve this with a dedicated AR function. Small businesses cannot justify that headcount. Chasivo provides the same collection capability without the hire. It profiles each customer’s payment behaviour, scores each invoice’s risk before the due date, drafts follow-ups calibrated to the relationship and escalation stage, and sends them from the business’s own Gmail address on the appropriate schedule.

HOW CHASIVO FILLS THE VOID

Ad hoc follow-ups versus systematic collection.

Without Chasivo

With Chasivo

Follow-ups depend on one person remembering to check the aging report and write the emails.
Chasing runs automatically on schedule. Autopilot sends without manual intervention. Copilot queues for review.
Overdue invoices are identified after the due date has passed, often days or weeks later.
Risk scoring flags invoices likely to go late before the due date, enabling earlier follow-up.
Every customer receives the same generic reminder regardless of their payment history.
AI drafts adjust tone, timing, and urgency based on each customer’s payment profile and escalation stage.
Reminders send from the invoicing platform’s address. Customers may not recognise the sender.
Emails send from the business’s own Gmail via OAuth. The customer sees a familiar sender and reply-to address.
No visibility into which customers are reliable and which ones consistently require follow-up.
Customer profiles track average days to pay, late frequency, reliability score, and reminder responsiveness.
Collection activity is not tracked in a central location. Context is lost between follow-ups.
Unified inbox consolidates every conversation, draft, risk flag, and invoice status per customer.
CAPABILITIES

What Chasivo adds to your AR workflow.

AI follow-up drafts

Each draft references the specific invoice number, amount, and due date. Tone adjusts based on escalation stage and the customer’s payment history — a first nudge reads differently from a third follow-up. Drafts send automatically on Autopilot or queue for review on Copilot.

Native inbox delivery

Follow-ups send from the customer’s own Gmail via OAuth. The recipient sees a familiar sender — not a platform domain. Replies return to the customer’s inbox. No branded footers, no third-party headers, no spam-folder risk from an unfamiliar address.

Per-invoice risk scoring

Each invoice receives a 0–100 risk score before the due date, calculated from the customer’s historical days-to-pay, late frequency, and collection rate. Specific signals are listed plainly: “Customer historically pays 15 days late.” Batch analysis covers up to 10 invoices at once.

Customer payment profiling

AI analyses each customer’s invoice history to produce a behavioural profile: average days to pay, preferred payment day, seasonal risk windows, reminder responsiveness, and a warmth score (1–10). Requires 3+ invoices per customer. Batch profiling available for up to 10 customers.

Unified inbox

All customer communications consolidated in a single view. Conversations are threaded by customer across email channels. AI drafts, sent messages, replies, risk scores, and invoice status are visible without switching between applications.

Import from any accounting tool

CSV and Excel import with field mapping. Compatible with data exported from QuickBooks, Xero, FreshBooks, Wave, Sage, and others. Chasivo does not replace the ledger — it adds collection intelligence on top of it. Direct integrations are on the roadmap.
CHASING AUTOMATION

Three modes of automation, configurable per customer.

Autopilot drafts and sends follow-ups automatically based on the customer’s payment history and escalation stage. Appropriate for established customers with predictable patterns, where manual review on every email adds overhead without adding judgment.

Copilot drafts the follow-up and holds it for review. Nothing sends without explicit approval. Appropriate for new customers, large outstanding balances, or relationships where the tone of each communication matters.

Manual keeps risk scoring and profiling active but disables all AI-generated communication. Appropriate for customers where all correspondence is handled directly by a specific person.

Set a default at the account level. Override per customer as needed. Individual invoices can be paused independently — the customer’s remaining invoices continue under their assigned mode. When a paused invoice resumes, the follow-up sequence picks up at the correct escalation stage based on prior activity, rather than restarting from the beginning.
Reporting

Five report types built for business owners, not finance departments.

Predictive Inflow shows expected revenue over the coming period, broken down by customer and weighted by collection probability based on each customer’s payment history.

Customer Payment Health provides a per-customer breakdown of payment behaviour: average days to pay, reliability rating, outstanding amounts, and risk level.

AR Aging generates a standard aging schedule grouped by 0 to 30, 31 to 60, 61 to 90, and 90+ day buckets.

AI Performance tracks how AI-drafted follow-ups are performing: approval rates, rejection reasons, and response patterns.

Year-End Income summarises annual revenue by customer, status, and payment timing. All reports are exportable as PDF or CSV.

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