collects.io

collects.io is a financial architecture tool for accounts receivable that helps businesses get paid faster. It connects to your accounting system in read-only mode, scans your 12-month ledger history against 83 known AR failure patterns, and shows you exactly where cash is trapped, what's at risk, and what to do about it — before you activate anything. The tool is built by chartered accountants and AR specialists, informed by real-world failure patterns from 40 UK businesses.

Once you approve the diagnostic, collects.io turns findings into a governed workflow. It detects what's blocking each invoice — missing purchase orders, wrong contacts, disputes, approval delays — prioritizes the highest-risk cash first, and triggers the right next action automatically. The AI learns debtor behavior over time, but your team stays in control with human approval steps, exception handling, and a full audit trail. The tool currently integrates with Xero, with more accounting systems coming.

collects.io is best suited for finance teams and small to medium businesses that struggle with late payments, manual chasing, and poor cash flow visibility. It's especially useful for companies using Xero who want to reduce DSO (Days Sales Outstanding) and recover overdue cash without adding headcount. The diagnostic is free and read-only, so you see the value before you pay.