An agent that drafts your collections and waits for your go-ahead.

Every day, the agent reviews your overdue accounts and writes to each one with its real balance, its days overdue and the link to pay. It can propose an installment plan within your limits, and nothing goes out without your approval until you decide to let it run on its own.

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AI collections agent and collections module (receivables, priorities and payment promises) from Professional

THE AGENT

Every email carries the real balance and the link to pay.

Once a day, the agent takes the accounts that are past their due date and the grace days you set, and drafts a different email for each one: the balance actually left after what they already paid, the days overdue, and the link to pay online. It writes in the tone you choose and with your signature, in the language of each client's documents (English, Spanish, Portuguese, French or German), and doesn't write to the same account again before the number of days you set; on top of that, no client gets more than two AI collections messages every 7 days.

  • Grace days, days between emails and minimum amount, set by you
  • Warm, professional or firm tone, with your signature
  • Up-to-date retainers and excluded accounts never get emails
Payment reminder — overdue balance (18 days)
MMateriales del Valle USAto dana@ridgelinebuilders.com9:02 AM

Hi Dana, I'm writing from Materiales del Valle USA about quote Q-0139. The outstanding balance is USD 9,421.36 — we've already deducted the deposit you paid — and it's 18 days past due. You can settle it online with the button below; if you need a different date, just reply to this email.

This message was drafted with artificial intelligence on behalf of Materiales del Valle USA. You can reply to this email to talk to a person at Materiales del Valle USA.

Pay USD 9,421.36 online
Materiales del Valle USATax ID: 88-4172093This message about an outstanding balance is sent to you by Materiales del Valle USA.Don't contact me through this channel again

INSTALLMENT PLANS

If the client can't pay it all, it proposes installments.

From the days overdue you choose, the agent can propose a plan of 2 to 6 monthly installments that add up exactly to the balance of a quote: no discounts on what's owed and no amounts rounded by eye, because Cord calculates the installments, not the model. The proposal arrives in the email with a link where your client sees each installment, its amount and its date, and the plan only exists once they accept it there: neither you nor the agent can activate it for them. Then its installments replace the pending charges, are paid from the same link, and you get a notice. If they don't accept within 14 days, the proposal expires.

  • From 2 to 6 monthly installments; you set the maximum
  • Installments add up to the balance to the cent, no write-offs
  • Only your client can activate the plan; the proposal expires after 14 days
Collections/AI agentNeeds approval
Approval inboxNothing goes out until you approve it. You can edit the email before sending.
GGamma ConstructionQ-0133 · 64 days overdueUSD 41,230.00
Proposes 3 installments of USD 13,743.33
Hello Mr. Rollins, I'm writing from Materiales del Valle USA about quote Q-0133. The USD 41,230.00 balance is 64 days past due. If it helps, I'd like to propose splitting it into 3 monthly payments of USD 13,743.33, the first on October 24. You can review the plan and accept it from the link in this email.
Approve and sendRegenerateDiscardDon't email them
NNorthern Steel WorksQ-0138 · 21 days overdueUSD 4,872.00
Hello Ms. Trevino, I'm writing from Materiales del Valle USA about quote Q-0138. The USD 4,872.00 balance is 21 days past due; you can settle it online from the link in this email.
Payment plansThe agent's proposals and the plans your customers accepted, with how they're going.
Gamma ConstructionQ-0133 · 0 of 3 installments paidIn draftUSD 13,743.33
Ferrex Supply Co.Q-0127 · 1 of 3 installments paid · next Oct 3USD 5,890.40
Northern Steel WorksQ-0119 · 2 of 4 installments paid · next Oct 10USD 3,625.00

YOU DECIDE

Nothing reaches your client without going through your inbox.

In approval mode, every email waits in the inbox: you approve it, edit it, ask the agent to redo it with an instruction, or discard it, and you get a single notice per run, not one per client. "Up next" tells you who it will write to on the next run and who it won't, and why. And if a client shouldn't get emails, you exclude them in one click; they can also opt out from the link in every email, and Cord lets you know.

  • Approve, edit, redo or discard every draft
  • "Up next": who it will write to, and why not the rest
  • Every approval, discard and exclusion is logged in the audit trail
Collections/AI agentNeeds approvalRun now
Approval inboxNothing goes out until you approve it. You can edit the email before sending.
RRidgeline BuildersQ-0139 · 18 days overdueUSD 9,421.36
Hello Dana, I'm writing on behalf of Materiales del Valle USA to follow up on quote Q-0139. Our records show an outstanding balance of USD 9,421.36, 18 days past the agreed term. We'd appreciate your help settling it; you can pay online from the link in this email.
Approve and sendRegenerateDiscardDon't email them
shorter and less formalRegenerate with thisCancel
Up nextWho it will email on the next run, and who it won't.3
Ferrex Supply Co.Q-0127Plan on track
Northern Steel WorksQ-0138Emailed recently
Hope Street HardwareQ-0153Below minimum amount
Rio Bravo BuildersQ-0141Excluded
Sierra Land DevelopmentQ-0144Already settled

Last email sent: today, 9:02 AM.

WHY IT MATTERS

This is what AI Collections actually changes.

cordhq.app/app/cobranza
CollectionsCollectionsAI agentAs of today · September 24, 2026
OVERDUEUSD 104,7825 account(s) · tap to filter
DUE THIS WEEKUSD 15,4162 account(s) in the next 7 days
PROMISES COMING DUE11 committed for today or earlier82% historical fulfillment
OVERDUE, UNTOUCHEDUSD 69,7173 without a payment promise · tap to filter
Handle firstSorted by amount and days overdue: what weighs most comes first.
Apex ConstructionQ-0118 · Overdue 47 dUSD 41,230
Sierra Land DevelopmentQ-0126 · Overdue 32 dUSD 28,645
Ridgeline BuildersQ-0136 · Overdue 18 dUSD 19,647
Ferrex Supply Co.Q-0142 · Overdue 25 dUSD 6,420
Northern Steel WorksQ-0134 · Overdue 9 dUSD 8,840
Payment promisesOpen commitments, soonest first.
Ferrex Supply Co.Q-0142 · Promised for Sep 24USD 6,420
Sierra Land DevelopmentQ-0126 · Promised for Sep 30USD 15,000
Laredo Builders GroupQ-0149 · Promised for Oct 2USD 4,186
Accounts receivableAllOverduePromisedUntouched
ClientNumberTermsDueStatusBalance
AApex ConstructionQ-0118Net 30Aug 8Overdue 47 dUSD 41,230
SSierra Land DevelopmentQ-0126Net 30Aug 23Overdue 32 dPromised for Sep 30USD 28,645
RRidgeline BuildersQ-0136Net 30Sep 6Overdue 18 dUSD 19,647
FFerrex Supply Co.Q-0142Net 60Aug 30Overdue 25 dPromised for Sep 24USD 6,420
NNorthern Steel WorksQ-0134Net 30Sep 15Overdue 9 dUSD 8,840
GGamma ConstructionQ-0153Net 30Sep 27Due in 3 dUSD 11,230
cordhq.app/app/cobranza/agente
Collections agentCollectionsAI agentNeeds approvalRun nowConfigure
Recovered by the agentUSD 60,602Last 30 days · 3 account(s) paid after its email
Awaiting your approval2Review them before they go out
Active payment plans2USD 48,292 committed in installments
ConversationsOne thread per account. You can take over and write yourself.
NNorth Realty GroupQ-0109 · 2 message(s)USD 0
Agent · Sep 3, 2026

Hi, I'm writing from Materiales del Valle USA about the outstanding balance on your last order. The agreed term has passed, and I wanted to check whether there's anything we can sort out on our end.

You · Sep 5, 2026

Mark, here is the direct link to settle it by card or bank transfer.

CCentral HardwareQ-0121 · 3 message(s)USD 9,824
Payment plansThe agent's proposals and the plans your customers accepted, with how they're going.
Central HardwareQ-0121 · 1 of 2 installments paid · next Oct 20USD 9,824
Hill Country ConstructionQ-0115 · 1 of 3 installments paid · next Oct 15USD 9,548
Northern Steel WorksQ-0134 · 0 of 2 installments paid In draftUSD 4,420
Up nextWho it will email on the next run, and who it won't.3
North Realty GroupQ-0109Already settled
Hill Country ConstructionQ-0115Plan on track
cordhq.app/app/cobranza/agente
Collections agentCollectionsAI agentNeeds approvalRun nowConfigure
You've approved 8 emails without changing a word. Let them go out on their own?Switch to automaticNot now
Recovered by the agentUSD 60,602Last 30 days · 3 account(s) paid after its email
Awaiting your approval2Review them before they go out
Active payment plans2USD 48,292 committed in installments
Approval inboxNothing goes out until you approve it. You can edit the email before sending it.
FFerrex Supply Co.Q-0142 · overdue by 25 daysUSD 6,420
Hi Thomas. I'm writing from Materiales del Valle USA about the outstanding balance on quote Q-0142. The agreed term has passed, and I wanted to check whether there's anything we can sort out on our end. You can settle it online with the button below.
Approve and sendRegenerateDiscardDon't email them
NNorthern Steel WorksQ-0134 · overdue by 9 daysUSD 8,840
Proposes 2 installments of USD 4,420

FREQUENTLY ASKED QUESTIONS

AI Collections: the questions we hear most.

The reply goes to your contact email: the agent writes on behalf of your business and your client answers you. If you'd rather take over, you write from that account's thread in Cord and the agent reads your message before its next email. If a draft doesn't reflect what you already discussed, you give it an instruction ("offer three installments", "shorter") and it redoes it.

Reminders go out on every plan with the same template for everyone: by default, an invoice gets a notice seven days and one day before it's due, and 3, 7, 14 and 30 days after. The agent writes a different email for each account based on how late it is and what's already been said, respects your exclusions and can propose installments. The two can run side by side.

No. Its rules forbid discounts on what's owed, and a plan proposal only goes out if its installments add up exactly to the balance: Cord checks it on the server instead of trusting what the model writes. It also won't propose a second plan to an account that already has one in place.

The email goes out in your business's name, with replies going to your contact email, and includes a button to pay online when you have payments turned on. A visible line tells your client it was drafted with artificial intelligence, and the footer has a link to stop being contacted by email: if they click it, they stop getting collection emails right away and Cord lets you know. The AI model doesn't receive their name or email address.

The agent is available from the Professional plan, like the collections module (receivables by age, priorities, payment promises and WhatsApp reminders). Each email it drafts uses one AI action from your plan: Professional includes 50 a month and Scale 500; anything beyond that is billed as overage.

Explore the rest of the product.

Clients and creditEvery client has a record with their payment terms, their credit limit and an up-to-date account statement that brings quotes and invoices together.
Cord Workflows"When this happens, do this" rules that take the next step of every sale for you, without writing code.
Finance & cash flowCord projects your cash flow from three separate sources (what you're already owed, what you'll likely close and your retainers) and dates every amount with each client's real payment history.
DocumentationAI Collections, step by step.

Your overdue accounts don't have to wait until you have time.

Turn on the agent in approval mode and review its first emails. Available from the Professional plan.

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Published pricing, with the fee for every payment in plain view.

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