Step 01 of 04
Connect
Client (or your team) uploads the debtor list — Tally export, CSV, or even a photo of the ledger.
The Problem
Every year-end, you close books full of aged receivables— 60, 90, 120 days overdue. Your clients know the money is stuck. They just won't chase it.
Why? Because in India, asking for money feels like damaging the relationship. So owners wait, cash-flow tightens, and working capital loans fill the gap.
You advise them to follow up. Nothing changes — until the follow-up becomes automatic.
₹10.7L Cr+
estimated payments delayed to Indian MSMEs at any time
60–120
days a typical B2B invoice runs beyond its due date
0
systematic follow-up used by most SMBs — it's awkward calls
The Product
An AI agent that chases unpaid invoices for the business owner — so the owner never has to make the awkward call.
Imports invoices from Tally, Excel/CSV or manual entry. Flags what's overdue and by how much.
Settl agent
Working on it
Imported from Tally · 3 invoices
Sharma Traders
INV-1042
₹18,500
47 days overdue
Gupta & Sons
INV-1038
₹42,000
21 days overdue
Mehta Textiles
INV-1051
₹9,200
Due in 4 days
Escalating reminder sequences in Hindi, Hinglish, Bengali & English — always courteous, never pushy.
Settl agent
Working on it
Namaste Rajesh ji 🙏 Invoice INV-1042 ka ₹18,500 abhi pending hai. Jab convenient ho, neeche diye link se pay kar sakte hain.
Every reminder carries a UPI / payment link. Customer pays inside WhatsApp; GST receipt goes out automatically.
Settl agent
Working on it
INV-1042 · ₹18,500
Pay with UPIPayment received
GST receipt sent automatically
Live dashboard of outstanding vs. recovered, ageing buckets, and who needs a human nudge.
Settl agent
Working on it
Outstanding
₹4.2L
Recovered
₹2.9L
How It Works
Client (or your team) uploads the debtor list — Tally export, CSV, or even a photo of the ledger.
AI sends a polite WhatsApp reminder before the due date, then escalates gently: day 3, day 7, day 15.
Each message includes a UPI payment link. Payment is confirmed and receipted instantly.
Paid invoices are marked off automatically. The ageing report you see at filing time gets shorter.
The owner approves the tone once. After that, follow-up runs on autopilot — with a human takeover button for sensitive accounts.
The Opportunity
When a CA recommends a tool, SMBs adopt it. No cold-selling — just advice your clients already expect from you.
Every audit and GST filing puts the aged receivables report in front of you. You know exactly which clients need this — and how badly.
Recovering stuck cash is the most tangible value you can add. Clients remember who unlocked their working capital.
25% recurring revenue share on every client you onboard — for as long as they stay subscribed. Zero delivery work on your side.
Partner Tools
Your Firm · Partner Dashboard
01 / 0438
active clients
₹1.9 Cr
under follow-up
₹64 L
recovered (90d)
Packages
The exact plans your clients subscribe to — every one earns your firm a 25% recurring share.
Wallet Plan
Wallet plan. Messages are sent from Settl's WhatsApp account and charged to your prepaid wallet.
Your Own Account
No wallet. Messages are sent from your own WhatsApp account, and you pay for them with your own credit card.
All prices in INR. GST applicable for Indian customers.
Partner Economics
25%
recurring revenue share
on every subscription you bring in — paid monthly, for the life of the client. Plus preferred pricing if you bill it as your own managed service.
A worked example
Fully passive after onboarding. Larger practices and Tally-partner firms qualify for higher tiers.
Partner Kit
We set up your first 5 clients with you — sequences, tone, Tally import — so you learn by watching.
First 5 clientsOne-pagers, WhatsApp broadcast scripts and email templates with your firm's logo, ready to send to clients.
Your firm's logoDedicated partner WhatsApp group with same-day responses. Your clients never wait.
Same-day repliesMulti-client management, revenue-share tracking, and white-label monthly recovery reports.
White-label reportsFirst 3 client subscriptions you onboard are matched with 3 free months for your own firm's receivables.
3 free monthsEarly partners shape the roadmap and lock the 25% share permanently, before tiers tighten.
25% locked inGetting Started
Sign the one-page agreement, get partner dashboard access and your co-branded kit.
We shortlist together from your practice — highest ageing balances, friendliest owners first.
30-minute call per client. We import their ledger and approve reminder tone with the owner.
Sequences start. Most clients see their first recovered payment within two weeks.
Our ask today: five pilot clients from your practice. We do the heavy lifting — you make the introduction.