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 instalment 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)
HHarlow Building Suppliesto emma.clarke@kestrelconstruction.co.uk09:02

Hi Emma, I'm writing from Harlow Building Supplies about quote Q-0139. The outstanding balance is GBP 7,537.09 — 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 Harlow Building Supplies. You can reply to this email to talk to a person at Harlow Building Supplies.

Pay GBP 7,537.09 online
Harlow Building SuppliesVAT reg. no.: GB 284 1937 34This message about an outstanding balance is sent to you by Harlow Building Supplies.Don't contact me through this channel again

INSTALMENT PLANS

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

From the days overdue you choose, the agent can propose a plan of 2 to 6 monthly instalments 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 instalments, not the model. The proposal arrives in the email with a link where your client sees each instalment, 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 instalments 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 instalments; you set the maximum
  • Instalments 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 ContractorsQ-0133 · 64 days overdueGBP 32,984.00
Proposes 3 instalments of GBP 10,994.67
Hello Mr Rollins, I'm writing from Harlow Building Supplies about quote Q-0133. The GBP 32,984.00 balance is 64 days past due. If it helps, I'd like to propose splitting it into 3 monthly payments of GBP 10,994.67, the first on 24 October. You can review the plan and accept it from the link in this email.
Approve and sendRegenerateDiscardDon't email them
NNorthern SteelQ-0138 · 21 days overdueGBP 3,897.60
Hello Ms Turner, I'm writing from Harlow Building Supplies about quote Q-0138. The GBP 3,897.60 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 ContractorsQ-0133 · 0 of 3 instalments paidIn draftGBP 10,994.67
Ferrex SuppliesQ-0127 · 1 of 3 instalments paid · next 3 OctGBP 4,712.32
Northern SteelQ-0119 · 2 of 4 instalments paid · next 10 OctGBP 2,900.00

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.
KKestrel ConstructionQ-0139 · 18 days overdueGBP 7,537.09
Hello Emma, I'm writing on behalf of Harlow Building Supplies to follow up on quote Q-0139. Our records show an outstanding balance of GBP 7,537.09, 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 SuppliesQ-0127Plan on track
Northern SteelQ-0138Emailed recently
Hope Street IronmongersQ-0153Below minimum amount
Thames Valley BuildersQ-0141Excluded
Chiltern Land DevelopmentQ-0144Already settled

Last email sent: today, 09:02.

WHY IT MATTERS

This is what AI Collections actually changes.

cordhq.app/app/cobranza
CollectionsCollectionsAI agentAs of today · 24 September 2026
OVERDUEGBP 83,8265 account(s) · tap to filter
DUE THIS WEEKGBP 12,3332 account(s) in the next 7 days
PROMISES COMING DUE11 committed for today or earlier82% historical fulfilment
OVERDUE, UNTOUCHEDGBP 55,7743 without a payment promise · tap to filter
Handle firstSorted by amount and days overdue: what weighs most comes first.
Apex ConstructionQ-0118 · Overdue 47 dGBP 32,984
Chiltern Land DevelopmentQ-0126 · Overdue 32 dGBP 22,916
Kestrel ConstructionQ-0136 · Overdue 18 dGBP 15,718
Ferrex SuppliesQ-0142 · Overdue 25 dGBP 5,136
Northern SteelQ-0134 · Overdue 9 dGBP 7,072
Payment promisesOpen commitments, soonest first.
Ferrex SuppliesQ-0142 · Promised for 24 SeptGBP 5,136
Chiltern Land DevelopmentQ-0126 · Promised for 30 SeptGBP 12,000
Severn Building GroupQ-0149 · Promised for 2 OctGBP 3,349
Accounts receivableAllOverduePromisedUntouched
ClientNumberTermsDueStatusBalance
AApex ConstructionQ-0118Net 308 AugOverdue 47 dGBP 32,984
CChiltern Land DevelopmentQ-0126Net 3023 AugOverdue 32 dPromised for 30 SeptGBP 22,916
KKestrel ConstructionQ-0136Net 306 SeptOverdue 18 dGBP 15,718
FFerrex SuppliesQ-0142Net 6030 AugOverdue 25 dPromised for 24 SeptGBP 5,136
NNorthern SteelQ-0134Net 3015 SeptOverdue 9 dGBP 7,072
GGamma ContractorsQ-0153Net 3027 SeptDue in 3 dGBP 8,984
cordhq.app/app/cobranza/agente
Collections agentCollectionsAI agentNeeds approvalRun nowConfigure
Recovered by the agentGBP 48,481Last 30 days · 3 account(s) paid after its email
Awaiting your approval2Review them before they go out
Active payment plans2GBP 38,634 committed in instalments
ConversationsOne thread per account. You can take over and write yourself.
NNorthern EstatesQ-0109 · 2 message(s)GBP 0
Agent · 3 Sept 2026

Hi, I'm writing from Harlow Building Supplies 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 · 5 Sept 2026

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

CCentral HardwareQ-0121 · 3 message(s)GBP 7,859
Payment plansThe agent's proposals and the plans your customers accepted, with how they're going.
Central HardwareQ-0121 · 1 of 2 instalments paid · next 20 OctGBP 7,859
Weald ConstructionQ-0115 · 1 of 3 instalments paid · next 15 OctGBP 7,639
Northern SteelQ-0134 · 0 of 2 instalments paid In draftGBP 3,536
Up nextWho it will email on the next run, and who it won't.3
Northern EstatesQ-0109Already settled
Weald 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 agentGBP 48,481Last 30 days · 3 account(s) paid after its email
Awaiting your approval2Review them before they go out
Active payment plans2GBP 38,634 committed in instalments
Approval inboxNothing goes out until you approve it. You can edit the email before sending it.
FFerrex SuppliesQ-0142 · overdue by 25 daysGBP 5,136
Hi Thomas. I'm writing from Harlow Building Supplies 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 SteelQ-0134 · overdue by 9 daysGBP 7,072
Proposes 2 instalments of GBP 3,536

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 instalments", "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 instalments. 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 instalments 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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