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The Coverage Gap

Extend the Reach of Your Collections Team Beyond the Top Accounts

Most finance teams cover their top accounts well and get to the rest when there is time. There usually is not time, and that is where the cash quietly sits. See what changes when every account is covered.
Your Top
Accounts The
Long Tail
Accounts getting structured follow-up: 20%
Accounts getting structured follow-up: 100%

The long tail collects late, and quietly ties up cash.

  • A collections agent can only actively work so many accounts. Everything below that line gets attention only occasionally, at best.
  • Smaller accounts almost always pay slower than your top accounts do.
  • Most of that delay is a missed commitment or an unanswered query, not a refusal to pay.

Every account, the same discipline, every cycle.

  • The invoice raised on the 3rd gets its reminder on the 3rd, not when someone has a free afternoon.
  • The sequence does not get shorter at quarter end or sharper on a bad day.
  • Your people stay on the top accounts and the difficult conversations. CollectrIQ covers the rest.

This is not a people problem. It is a scale problem, and scale is exactly what software is built for.

How much is your long tail costing you today?
Getting Started

Go Live in Two Weeks. Not Next Quarter.

Most customers are running follow-ups on real invoices within about two weeks of saying yes. There is no implementation project and no long onboarding.

Connect Your ERP, or Just Send a File

You do not need an integration project to start. Most customers begin with a scheduled file and connect their ERP later, once they have already seen the results.
CollectrIQ data flow diagram
Days 1–2

Days 1–2

We set up your company profile, your users and their access.
Days 3–5

Days 3–5

You send your customer list and contacts. We load your open invoices.
Days 6–8

Days 6–8

We configure your follow-up rules, your tone and your escalation points, together.
Days 9–10

Days 9–10

You review everything that will go out, and approve it.
Days 11–14

Days 11–14

Live on a slice of your book, then across the rest.
Path 1

Start with a File

Upload your customer list and invoices. Nothing to install. nothing for IT to approve
Path 2

Connect Your ERP

A one-way feed from your ERP keeps invoices and payments current on their own. Your systems stay the system of record.
Path 3

Close the Loop

When a payment shows up in your ERP, CollectrIQ picks it up on the next sync and stops the follow-up on that invoice. Nobody chases a customer who has already paid.
We can work with whatever you run, even a simple scheduled file.
Image ImageImage ImageImage ImageImage ImageImage Image
Your ERP integration is optional, and it can wait until after you have seen it work.
How It Works

Accelerate From Invoice to Cash

CollectrIQ runs the whole cycle on every invoice. It picks the invoice up, works the account, captures what happens, and closes the loop when the payment lands. Follow the journey of one invoice.
You stay in the loop. CollectrIQ handles the routine follow-up and keeps the cycle running until the invoice is closed. When something needs judgement, like a dispute or a sensitive account, it pauses and hands that account to your team.

Channels and Languages

In Their Language. On the Channel They Actually Answer

The person who releases your payment is often not the person who reads formal English email. They answer WhatsApp. They pick up the phone when the caller speaks their language. CollectrIQ works the way your customer already works.

Email

Email

WhatsApp

WhatsApp

Phone

Phone

Your customer picks up the phone. Your team does not have to make the call.

For your collections team

Every Daily Decision, In One AI-assisted Dashboard.

CollectrIQ runs the routine follow-up in the background, then hands each collections agent a ranked list of exactly what needs a person today. Not a report to interpret. A worklist, already prioritised.
Today's actions
Customer timeline
Promised payments
Disputes
Risk view

Check Your Numbers in a Minute

What Is Your Long Tail of Customers Costing You?

Six numbers from your balance sheet, and you get a figure you can take to your CFO.
No file uploads. Nothing is shared outside Vayana. You will get the result on screen and a copy by email.

01
Your Book
02
Your Details
03
My Number
Count active customers, not one-time buyers.
accts
Trade receivables from your latest balance sheet.
₹ Cr
Revenue for the same year.
₹ Cr
The terms you actually give, not the terms in the contract.
days
Roughly what portion of your book sits with customers outside your top tier.
%
Your borrowing rate, or your internal cost of funds.
%
If applicable - leave blank if you don't have a dedicated team.
people
If filled, this overrides the figure worked out from your sales and receivables.
days

I Agree To Vayana Contacting Me About CollectrIQ. See Our Privacy Policy.
What CollectrIQ could be worth to you each year
—
—
Your Smaller Accounts Today — days
With CollectrIQ — days
Value in Cr
—
Working capital released. Cash that comes back into the business once, when the collection cycle shortens.
Value in Lakh
—
Interest saved every year. What that released cash stops costing you to finance.
Value in Lakh
—
Capacity freed every year. Time your collections, sales and finance leaders get back.
How we worked this out+
Financial impact
Cash released and interest saved by collecting the long tail faster.
Recurring interest saved
—per year
Working capital freed (one-time)—
How it's built
Long-tail DSO
— days
The delay over terms, and what CollectrIQ recovers
Missed commitments 40%
—
CollectrIQ acts on this
Disputes / queries 50%
—
CollectrIQ acts on this
Other factors 10%
—
Left alone
Cost to finance the book today
—
At the cost of capital, before CollectrIQ
Long-tail DSO after
—
Pulled toward terms, never below
Operational impact
The team cost CollectrIQ frees by doing the chasing itself. It grows with the customer base.
Team cost freed per year
—every year
People's effort freed—
Collections
—
Sales
—
Your sales team stops losing hours to chasing payments and gets that time back to sell.
Management
—
Less for managers to supervise, and this grows as the customer base grows.
What the model assumes
Everything the calculator fills in for you, kept separate from the numbers you entered so the two are never confused.
Long-tail DSO = your DSO uplifted 30%, since small accounts collect slower.
Delay over terms split 40% missed commitments, 50% disputes, 10% other.
CollectrIQ efficiency recovers 50% of the addressable (missed + disputes) delay.
Collections with CollectrIQ 1 agent per 1,000 accounts, at ₹50,000 per agent a month.
Sales 1 rep per 60 accounts, 5 hrs a week chasing at ₹75,000/mo, 70% freed.
Management 1 per 1,000 accounts, 8 hrs a week at ₹2,00,000/mo, 50% freed.
Effort is costed on a 40-hour week and all figures are annual. Role is captured for reference and does not affect the numbers. These are estimates to frame a conversation, not a quote.

Want Us to Run This On Your Actual Data?

30 mins, and we will rebuild this from your receivables ageing.

This is an estimate built on typical patterns for companies of your size. Your actual numbers will differ.
We are happy to rebuild it from your ageing report.

Recalculate with different numbers

Control and Security

Control and Secure Every Part of Your Collections Process

Nothing goes out that you have not agreed to. The fastest way to lose a customer is a badly worded reminder at the wrong moment, and CollectrIQ is built so that cannot happen.

Will this annoy my customers?

Will this annoy my customers?

You can review every message before it is sent to anyone. Tone, timing and wording are yours. The system follows your policy; it does not invent one.

What about my key accounts?

What about my key accounts?

Mark any customer as human-only and CollectrIQ will never contact them. It will still track them and tell your team when to act.

Who is my customer actually talking to?

Who is my customer actually talking to?

Calls open by identifying who is calling and why, and every conversation is recorded and logged against the invoice. Nothing is hidden from your customer or from you.

Where does my data sit?

Where does my data sit?

Inside secure servers of Vayana which manages billions of dollars of trade finance flows every month. There is role-based access control, full audit trail and nothing is shared outside.

  • Data in India
  • DPDP-aligned
  • Role-based access
  • Full audit trail
FAQs

The Things People Ask Us First.

No. It covers the accounts they never get to. Your team keeps the top accounts, the negotiations and the disputes, and stops spending mornings on first reminders.
Yes. Calls identify themselves at the start. We do not think pretending otherwise is a good idea, commercially or otherwise.
It gets logged against the invoice, follow-ups on that invoice pause, and it appears on your team's list to resolve. The system stops chasing and hands over.
If you invoice fewer than about 200 customers a month, your team can probably already cover them. The value starts where coverage runs out.

See it running on your own receivables.

Thirty minutes. Bring your ageing report and we will show you exactly which accounts CollectrIQ would be working from tomorrow.
Book a demo Calculate your value
Or write to us at collectriq-enquiries@vayana.com

Get the CollectrIQ Overview

Get a complete breakdown of how CollectrIQ automates follow-ups, covers your entire long tail, and integrates with your existing ERP - all in a quick PDF overview.

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