Stop chasing invoices.
Start collecting.
Collective is an autonomous AI agent that takes over every overdue invoice from first nudge to final escalation. No dashboards to check. No reminders to send. Just faster payment.
The Problem
Three structural shifts broke the old AR playbook
Burning nights chasing payments
Finance leads and agency owners manually stitch together QuickBooks exports, Stripe dashboards, HubSpot notes, and lost email threads — spending hours every week on collections.
DSO climbing, cash flow suffering
Card-on-file billing made payment timing unpredictable. Usage-based pricing means buyers push back more. Async buyer culture means invoices sit in threads for weeks.
Legacy dunning is broken
Old AR tools were built for net-30 invoices and a dedicated AR clerk. Neither exists reliably anymore. Modern billing is messier and needs smarter, autonomous execution.
The Solution
An AI agent that genuinely removes the human from the loop
Collective doesn't surface recommendations for you to act on. It acts. From first nudge to final escalation, the agent owns the entire collections motion.
Monitors every invoice
Sits inside QuickBooks, Stripe, and your CRM. Watches every new invoice and payment event in real time.
Drafts in your voice
Reads your past email threads, learns your tone, and writes follow-ups that sound like you — not a bot.
Negotiates within guardrails
Handles payment plan requests, partial payments, and escalations autonomously within limits you set.
Maintains a collections log
Every email sent, reply received, and decision made is logged. Full audit trail, zero manual tracking.
Competitive Landscape
The autonomous middle is wide open
Every competitor chose a side. Nobody owns the agency owner or lean finance lead managing real invoice volume across a real but scrappy stack.
| Category | Examples | Weakness |
|---|---|---|
| Enterprise Workflow | HighRadius, Billtrust, Gaviti, Versapay | 6-month implementation, built for dedicated IT capacity. Overbuilt for a 3-person finance team. |
| Simple Reminders | Chaser, Credit-IQ | Good at sending reminders, but stops short of negotiation, tone-aware drafting, or escalation logic. |
| Autonomous Middle | Collective | Handles 40–200 invoices/month. Executes autonomously. Integrates with your existing stack. No 6-month implementation. |
How It Works
Four steps from setup to autonomous collections
Connect your stack
Link Gmail, QuickBooks, Stripe, and HubSpot in under 10 minutes. Collective reads invoice state, payment events, and contact history.
Set guardrails
Define how aggressive the follow-up cadence should be, which payment plans you will accept, and when to escalate to you.
Let it run
Collective monitors every new invoice, drafts follow-ups in your tone, handles payer replies, negotiates plans, and logs everything.
Watch DSO drop
Invoices get paid faster. Your nights come back. Cash flow improves. The agent handles the entire motion autonomously.
Proven ROI
The market proves AI AR automation works
Buyers don't need to be convinced automation delivers results. They need a product that works for their stack and team size.
Integrations
Works with the stack you already use
No migration required. Collective sits inside your existing tools and starts working immediately.
Gmail
Reads past threads, drafts follow-ups, sends on your behalf
QuickBooks
Monitors invoice state, payment status, aging reports
Stripe
Watches payment events, subscription changes, disputes
HubSpot
Pulls contact history, deal context, customer notes
Stop chasing. Start collecting.
Join the early access waitlist for Collective. Built for Heads of Finance and agency owners managing real invoice volume on a real stack.
Get Early Access