AN Alpesh Nakrani
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Finance · Operating-cost reduction

AR collections that cut DSO without the chase.

Prioritize overdue accounts, draft context-aware outreach, capture promises to pay, and route disputes or strategic accounts to humans.

◆ human-gateda person approves every consequential action
$16,500
fixed-scope pilot
Validate next
launch posture
Strong durable demand
market signal
ar-collections-and-dunning-agent
// prioritize accounts
input: Open invoices
step: choose approved sequence
citations: [ source ✓ ]   confidence: 0.93
HUMAN GATEawaiting review →

Nothing is finalized until a human approves it.

Built for
The buyer
CFO, VP Finance, Chief Revenue Officer
The champion
AR/Collections Director, Credit manager, Customer Finance leader
Day-to-day users
Collectors, account managers, billing and customer success teams

Designed, built, and evaluated by Alpesh Nakrani, VP of Growth at ViitorCloud, 14 years shipping software, writing on AI-Native engineering and evaluation.

Evals-first
built in from day one
Human-gated
judgment stays with you
The problem

Where the time and money actually go.

Collectors work static aging lists, repeat generic emails, and lose time reconstructing invoice and dispute history before every conversation.

Who feels it

Collectors, account managers, billing and customer success teams

Trigger to act: DSO or past-due balance is increasing, collector capacity is constrained, customer growth outpaces finance headcount, or dunning is inconsistent across regions.

Outcome & ROI

The result you can model before you sign.

Illustrative, replace with your data
$20,000
per month, illustrative

Illustrative only: $4 million past-due portfolio × 0.5% incremental monthly acceleration = $20,000 cash accelerated. This is timing, not revenue, and must not be booked as profit.

The outcome, plainly: Prioritize overdue accounts, draft context-aware outreach, capture promises to pay, and route disputes or strategic accounts to humans.

DSO
Dollars collected
Promise-kept rate
How it works

Inputs in. A cited, review-ready result out. Your expert decides.

A Tool-using workflow agent. Every material fact is grounded in an allowed source and returned with its identifier, with no invented data.

01
Prioritize accounts
02
choose approved sequence
03
draft personalized message
04
answer invoice-status questions
05
capture promise/dispute
06
schedule follow-up
07
escalate strategic or sensitive account
Reference architecturegrounded · human-in-the-loop · fully auditable
Source systems · scoped access
ERP / AR ledger
CRM
Billing platform
Email / SMS / telephony
Dispute and case systems
Grounded reasoning core
Retrieve & extract
grounded on your sources, returns citations
Reason & draft
Claude Sonnet 4.6 or GPT-5.6 Terra
Human gateCollectors approve concessions, payment plans, dispute resolution, credit hold, legal escalation, and all communication to sensitive/strategic accounts.
Action · only after approval
escalate strategic or sensitive account
Audit trace
sources, rules, confidence, reviewer
Tenant isolation
minimum data, never cross-tenant
Evaluation suite
baselined pre-launch, watched after
Observability
cost, latency & drift telemetry
Model strategy

Claude Sonnet 4.6 or GPT-5.6 Terra for complex grounded work; select by task-level evaluation; Gemini 2.5 Flash, GPT-5.4 mini or Claude Haiku 4.5 for high-volume routing and drafting. PostgreSQL + pgvector or managed vector store; Policy rules and evaluator service.

Inputs
  • Open invoices
  • Aging
  • Customer contacts
  • Payment history
  • Disputes
  • Promises
The human gate

AI-Native, not autonomous. Judgment stays with your people.

The machine does the work; the human’s role narrows to the one thing that matters, judgment. That constraint is what makes it safe to deploy.

Non-negotiable human gate

Collectors approve concessions, payment plans, dispute resolution, credit hold, legal escalation, and all communication to sensitive/strategic accounts.

What it will never do
No harassment
No unauthorized legal threat or fee
No autonomous credit hold, settlement, or payment plan
Communication rules vary by jurisdiction and customer type
The scorecard

A scorecard, not a demo. We baseline what breaks in production.

Every deployment ships with an evaluation suite. These are the numbers we baseline before launch and monitor after.

Primary
DSO
Dollars collected
Promise-kept rate
Collector touches
Response rate
Dispute routing accuracy
Complaint / opt-out
Strategic-account escalation precision
Why this, not that

The category is crowded. Most of it isn’t built for your workflow.

The alternatives
HighRadiusBilltrustVersapayTesorioUpflowChaserERP dunning modulesOutsourced collections firms
This implementation

Fixed-scope, tuned to your systems and rules, grounded in your data, with the human gate and audit trail built in from day one. A price you own, not a subscription you rent.

✓ Fixed price, not a seat subscription ✓ Grounded in your data & rules ✓ Human approval on consequential actions ✓ Auditable decision trace
Systems & integrations

It plugs into the stack you already run.

No rip-and-replace. Access is scoped to the minimum data necessary, isolated per tenant, and fully logged.

ERP / AR ledgerCRMBilling platformEmail / SMS / telephonyDispute and case systemsPayment portal
Pricing

Transparent by design. The build price buys the workflow and the proof.

A fixed implementation fee plus a monthly bill that scales with volume and governance. No hidden seats.

Pilot
$16,500
one-time · bounded proof of value
  • One process / scope
  • Live workflow on your data
  • Baseline evaluation suite
  • Measured vs. current process
Most chosen
Production
$38,000
one-time · full deployment
  • Full scope & integration
  • Human-review UI & audit trail
  • Write-back to your systems
  • Production evals & monitoring
Enterprise
$63,000
one-time · multi-entity / regulated
  • Multi-facility rollout
  • Advanced security & compliance
  • Custom control & escalation
  • Dedicated evaluation program
Monthly operating cost

10,000 to 35,000 workflow runs per month with modest document and model usage.

$400–3,100
usage (models, OCR, vector, storage)
$2,600/mo
managed evaluation & monitoring

Planning assumptions, not vendor quotations. Your ERP and other platform licenses are separate and owned by you. Figures confirmed during scoping.

On working with Alpesh
“His vast knowledge of technologies and a natural problem-solving mindset consistently lead us through complex challenges with clarity and confidence.”
AM
Adil Multani
Senior Backend Developer
Why this is safe to try
01Baseline first. We measure your current numbers before we build anything.
02Fixed scope, fixed price. One process in the pilot. No open-ended engagement.
03Expand only if the scorecard earns it. You see the measured result before committing to production.
04Your people stay in control. The human gate means nothing consequential happens without a person’s approval.
FAQ

Questions serious buyers ask.

Does the AI act on its own?

No. Collectors approve concessions, payment plans, dispute resolution, credit hold, legal escalation, and all communication to sensitive/strategic accounts. The system drafts and recommends; a human approves every consequential action. Explicitly excluded: no harassment; no unauthorized legal threat or fee; no autonomous credit hold, settlement, or payment plan; communication rules vary by jurisdiction and customer type.

How do you stop it inventing facts?

Every material claim is grounded in an allowed source record and returned with its source identifier. The system separates observed facts, model inference, and missing information, and routes to a human whenever confidence is low, evidence conflicts, or an adverse outcome is possible.

What does it cost to run each month?

A usage bill of roughly $400 to $3,100 per month (10,000 to 35,000 workflow runs per month with modest document and model usage), plus a $2,600 per month managed retainer for evaluation, monitoring and maintenance. Your existing platform licenses are separate and already yours. Exact figures are confirmed during scoping.

Do we need a ChatGPT or Claude subscription?

No consumer ChatGPT or Claude subscription is required for the production workflow. You need an approved API/cloud billing account. Workspace seats are optional for internal prototyping and administrator access.

How is this different from HighRadius?

Tools like HighRadius, Billtrust, and Versapay are broad platforms you adapt to. This is a fixed-scope implementation tuned to your systems and rules, grounded in your data, with the human gate and audit trail built in, and a transparent price instead of a seat subscription.

How long until it is live, and how do we prove it works?

We baseline DSO first, then measure against that baseline. You see the scorecard before expanding scope: the evaluation suite ships with the system, not as an afterthought.

Book a scoping call

Bring your real numbers. Leave with a fixed-scope plan.

A 30-minute engineering-led working session, no slideware. You leave with a sized opportunity estimate, a fixed-scope pilot plan, and the integration & human-review path mapped.

VP of Growth at ViitorCloud · senior delivery owner confirmed before paid work

Ask AI about AR Collections & Dunning Agent