AI credit control · built for Xero & Sage

Get paid weeks faster — without chasing a single invoice yourself.

in2 collect plugs into your Xero or Sage ledger and runs your whole credit-control process: smart, tone-matched chasing, an AI inbox that reads and handles debtor replies and disputes, and a CFO-grade forecast of when cash will actually land.

Connects to Xero & Sage in minutes GDPR-compliant No card required
in2 collect · dashboard ● Xero connected
Outstanding
£148k
£62k overdue
DSO
38d
▼ 11 days
Cash in (14d)
£54k
forecast
RB
Riverside Builders
Inv #2041 · £8,400 · 21 days late
Promise · 14 Jun
MC
Maple & Co
Inv #2038 · £3,150 · 9 days late
Dispute
NT
Northgate Trading
Inv #2033 · £5,900 · settled today
AI handled a reply
"We already paid invoice 2041" → matched payment, marked resolved.

Built for UK businesses that invoice on terms

Construction Wholesale Logistics Manufacturing Agencies Recruitment
The late-payment tax

Your cash is stuck in other people's bank accounts.

Chasing invoices is slow, awkward, and never-ending — so it slips. Meanwhile the money you've already earned sits unpaid.

62%
of UK SME invoices are paid late
£21k
average owed to a small business at any time
30d
typical delay beyond agreed terms
£11bn
cost of late payment to the UK economy a year

Sources: QuickBooks UK Late Payments Report 2025 · UK Small Business Commissioner

What it does

Not another reminder tool. A credit controller that never sleeps.

Most tools just fire out reminders. in2 collect runs the full loop — chasing, the replies that come back, and the cash forecast your board actually wants.

Only in in2 collect

The AI Reply & Dispute Inbox

Everyone sends chasers. Nobody handles what comes back. in2 collect reads every debtor reply, works out what it means, and acts — so "I already paid", "send me a copy", and "we dispute line 3" don't pile up in your inbox.

"We paid this last week — ref 4471"
"Can you resend the invoice?"Auto-sent copy
"We'll pay on the 28th"Promise logged
"Line 3 is wrong, we won't pay"Dispute routed

It reads, classifies, and drafts the reply. Promise-to-pay dates get logged. Disputes get flagged and routed. Payment claims get reconciled. You approve with one click — or let it run.

Smart AI chasing — not template spam

Tone-matched, escalating chase sequences that read like a person wrote them, sent from your domain across email and SMS. Polite for good customers, firmer for repeat offenders.

CFO-grade cash forecast

Live DSO, aged-debt breakdown, and a 13-week forecast of when cash will actually arrive — based on who really pays on time. The view your board keeps asking for.

Connects to Xero & Sage in minutes

Secure one-click connection to Xero or Sage. Your ledger, customers and invoices sync automatically — nothing to import, nothing to maintain. (QuickBooks next.)

Safe by default

Nothing is sent without your say-so until you arm it. Per-send approval, daily caps, suppression lists and statutory-interest rules keep you in control and on the right side of the rules.

How it works

Live in an afternoon. Working while you sleep.

1

Connect Xero or Sage

One secure click. in2 collect pulls in your outstanding invoices, customers and contact details automatically.

2

It chases & handles replies

Smart sequences go out from your domain. When debtors reply, the AI inbox reads, classifies and drafts the response — promises logged, disputes routed.

3

Watch DSO fall

Your dashboard shows cash landing and days-sales-outstanding dropping — with a forecast of exactly when the rest arrives.

Why not just use Xero reminders?

Free reminders send. in2 collect collects.

 
Xero reminders
in2 collect
Sent from your own domain
AI-written, tone-matched chasing
Handles debtor replies & disputes
Promise-to-pay tracking
13-week cash-in forecast
Statutory interest & late fees
Pricing

Simple plans. Pays for itself in days.

One invoice paid on time usually covers the month. Founding partners lock in the lowest price we'll ever offer.

Starter
£39/mo
For small businesses taking chasing off their plate.
  • Xero or Sage connection
  • AI chase sequences
  • Dashboard & DSO
  • Up to 200 invoices/mo
Start free trial
Most popular
Growth
£99/mo
For growing teams that want the full AI loop.
  • Everything in Starter
  • AI Reply & Dispute Inbox
  • 13-week cash forecast
  • SMS + email · unlimited invoices
Start free trial
Scale
£249/mo
For finance teams running serious ledgers.
  • Everything in Growth
  • Multi-entity & users
  • Custom workflows & rules
  • Priority support
Talk to us

14-day free trial · no card required · cancel anytime. Prices ex. VAT.

Founding design partners — limited

Stop chasing. Start collecting.

We're onboarding a small group of UK finance teams as founding partners — founder pricing locked for life, and a direct line to shape the roadmap. Drop your email and we'll set up a 15-minute demo.

Thanks — you're on the list. We'll be in touch within one working day to book your demo.

No spam, ever. Just a real conversation about getting you paid faster.