AutoThink Group — Portfolio
    AutoSettle

    Your AI Credit Controller.

    AutoSettle connects to your accounting software, identifies overdue invoices, builds a custom chasing strategy, and helps settle the money your business is owed.

    Visit AutoSettle.co.ukContact Strategy Team

    Works with Xero, QuickBooks and Sage · No card required

    AutoSettle AI Credit Controller — dashboard showing recovered amounts, AI controller Ruby, and activity feed

    £2.4m

    recovered for businesses

    38,000+

    reminders sent

    94%

    invoices actioned automatically

    The Problem

    Unpaid Invoices Wreck Cashflow.

    Businesses lose momentum when customers ignore invoices and teams have to chase awkwardly by hand.

    £47k average

    Cash tied up

    Stuck in unpaid invoices

    34 days

    Average days overdue

    Before payment arrives

    1 in 5

    High-risk customers

    Will pay very late or not at all

    8+ hrs/week

    Hours wasted

    Manually chasing payment

    Product

    Not Just Reminders.
    A Complete AI Collections System.

    AutoSettle analyses behaviour, identifies real risk, creates smart chasing plans, and helps settle overdue invoices faster.

    AI Risk Scoring

    Predict who will pay late. AutoSettle analyses payment behaviour, scores risk, and prioritises who needs chasing and what approach to use.

    Smart Chasing Plans

    Custom strategies per debtor. The system builds intelligent recovery plans based on overdue duration, debtor behaviour, and risk level.

    Escalation Engine

    Friendly → firm → final demand. A complete 7-step debt recovery workflow runs automatically — from warm reminders to pre-legal warnings.

    Multi-Channel Outreach

    Professional reminders via email, SMS, and WhatsApp. Cut through inbox noise with higher open rates across every channel.

    Payment Plans

    Flexible repayment offers. AutoSettle can automatically offer structured payment plans, giving debtors a way to pay in instalments.

    Recovery Analytics

    Track everything recovered. Real-time dashboards showing total debtors, recovery rates, debtor days, and cashflow position.

    AutoSettle — dashboard showing overdue and outstanding invoices

    Process

    How AutoSettle Works

    Three steps. No complexity. No awkward chasing.

    01

    Connect Your Accounting Software

    Link Xero, QuickBooks, or Sage in under two minutes. AutoSettle imports your invoices automatically.

    02

    AI Decides Who Needs Chasing

    AutoSettle analyses payment behaviour, scores risk, and builds a smart chasing strategy for every debtor.

    03

    AutoSettle Chases and Helps Settle Payment

    Your AI Credit Controller sends reminders, escalates pressure, offers payment plans, and helps recover the money.

    AI Controller

    Choose Your AI
    Credit Controller.

    Name your controller, pick a personality, set the tone. Deploy a digital collections operator that works 24/7.

    Choose from preset names or create your own
    Set personality: Firm, Friendly, or Balanced
    Control escalation speed
    Auto-send or approve-first mode
    AutoSettle — AI controller personality selection with Ruby, Mason, and Alex
    Ruby, AutoSettle's AI Credit Controller — approved portrait

    The agent inside AutoSettle

    Meet Ruby.

    Ruby is AutoSettle's firm, professional AI Credit Controller. She monitors overdue invoices across connected accounting systems, drafts and schedules multi-channel chases, and proposes recovery actions — with a human approving anything that contacts a debtor or changes an external system.

    See Ruby’s verified profile

    Escalation

    Full Escalation.
    Not Just Reminders.

    AutoSettle runs a complete debt recovery workflow automatically — from warm first contact to pre-legal warnings.

    1Friendly reminderWarm
    2Second reminderProfessional
    3Firm reminderDirect
    4Late fee noticeFormal
    5Payment plan offerSupportive
    6Final demandSerious
    7Pre-legal warningLegal
    AutoSettle — dashboard overview with debtor tracking

    Use Cases

    Built for Cashflow Operations.

    SMEs with Recurring Invoices

    Eliminate the weekly credit control burden. AutoSettle ensures every overdue invoice is followed up systematically — without adding headcount.

    Agencies & Service Businesses

    Stop losing billable hours to chasing payments. Automated recovery runs in the background while your team focuses on delivery.

    Finance Teams

    Real-time debtor oversight, standardised escalation, and measurable recovery metrics. Replace reactive chasing with structured cashflow operations.

    Multi-Entity Businesses

    Manage receivables across multiple trading entities from a single platform. Consistent processes, consolidated reporting, unified control.

    Integrations

    Connects to Tools You Already Use.

    AutoSettle integrates with your accounting software, payment systems, and communication channels.

    Xero
    QuickBooks
    Sage
    Stripe
    GoCardless
    Gmail
    Outlook
    WhatsApp

    Ecosystem

    Financial Infrastructure for Modern Business.

    AutoSettle extends the AutoThink Group ecosystem into finance operations — building end-to-end AI-native infrastructure across revenue, workforce, and cashflow.

    Revenue Generation

    AutoEmails

    Hiring Infrastructure

    AutoRefs

    AI Credit Control

    AutoSettle
    Infrastructure>Tools
    Systems>Workflows
    Cashflow>Admin
    Finance consultancies and agency operators

    Offer receivables automation — or use it to run your own agency.

    Set up credit-control automation for clients and manage the process ongoing, or use it to get your own invoices paid faster.

    Discuss an agency use case AutoThink for Agencies
    1. 01Overdue invoices
    2. 02Automated chasing
    3. 03Faster cash

    Ready to Settle.

    AutoSettle is live and operational. Start your free trial or speak to the AutoThink strategy team about how it fits your organisation.

    Explore AutoSettleSpeak to Strategy Team