Lower DSO
with period-over-period tracking
Onivo · AR automation
Stop chasing payments. Start orchestrating them.
AI-native accounts receivable for mid-market finance teams. Onivo AR replaces the reactive AR grind — spreadsheets, follow-up emails, guesswork on cash application — with rules, AI, and a shared workspace. Cut DSO, recover overdue faster, and give your team back the days lost to manual work.
0–100
AI risk score per customer
Days back
from automated cash application
Collections Copilot
Today's worklist
Acme Corp · $48,200 · 34 days late
Next best action: call — 2 promises broken · risk 82
Cash applied automatically
$12,400 remittance matched to 3 invoices by AI
Dunning scheduled
Reminder #2 drafted and personalized — sends 9:00 AM
Dispute routed
Short-pay classified → Billing team, timeline opened
Promise to pay logged
Northwind committed to Fri via self-service portal
The problem we solve
Built for the middle — where AR actually breaks
Too heavy on one side
Enterprise suites like HighRadius and Billtrust are expensive, slow to configure, and built for teams with a dedicated admin and a 6-month rollout.
Too thin on the other
QuickBooks plus spreadsheets and Gmail doesn't scale past a few hundred invoices a month — and every follow-up is manual.
The real work — matching messy remittances, deciding who to chase next, drafting the right dunning email, tracking disputes — is exactly the judgment work AI is now good at. Onivo AR is opinionated enough to deploy in days, flexible enough to run your policies, and AI-native at the points that matter.
What you get
One platform for the full receivables lifecycle
Intelligent cash application
Match payments to invoices automatically — rules first, then Claude for messy multi-invoice remittances. Configurable auto-apply threshold.
AI collections copilot
Prioritized worklist scored by overdue balance × days late, a 0–100 per-customer risk score, and "next best action" recommendations.
Configurable dunning
Design your escalation policy — offsets, channels, templates — in the UI. AI drafts personalized emails; the scheduler dispatches daily or on demand.
Dispute management
Customers open disputes from the portal; AI classifies category, priority, and routing team — with a full resolution timeline.
Customer self-service portal
Signed URL, no login needed. Customers view their account, download invoices, pay with Stripe, submit disputes, or commit to a payment date.
Invoicing that looks like yours
Custom Jinja2 templates with live PDF preview, email delivery and PDF download — branded logo, primary color, and support email.
Real analytics
DSO with period comparisons, a 30–90 day cash-flow forecast from actual payment behavior, and per-customer risk tiering. Not vanity metrics.
Integrations that just connect
QuickBooks, Xero, Stripe, NetSuite — OAuth or API key, one-click sync, and a mock mode for testing before you go live.
Unified inbox
IMAP-ingested customer emails classified by intent — payment confirmation, dispute, question — and routed to the right customer record.
Who it's for
Mid-market B2B finance teams outgrowing their stack
- B2B companies processing 500–50,000 invoices a month
- Controllers and AR managers tired of Excel aging reports and manual follow-ups
- CFOs who want a real DSO number and a defensible cash-flow forecast
- Teams replacing a stitched-together QuickBooks + Gmail + spreadsheets stack
- Teams replacing an enterprise AR tool that costs $100k+/year and took 6 months to roll out
- Finance teams that want AI on the judgment work, not just dashboards
Built for enterprise trust
Security and compliance procurement can sign off on
Tenant isolation
Multi-tenant by design — Postgres row-level security plus app-layer isolation.
Access control
MFA (TOTP) for every user, role-based access, and audit-tracked team invitations.
Immutable audit log
Every security-relevant action — login, access denied, admin action, portal access, export.
Encryption & edge defense
Secrets in Google Secret Manager, TLS 1.2+ with HSTS, Cloud Armor with OWASP rules and per-IP rate bans.
GDPR-ready
Right-to-erasure workflow anonymizes PII while preserving financial records for statutory retention.
Disaster recovery
Weekly cross-region backups (Cloud SQL export + GCS mirror), tested and logged.
Procurement-ready documentation set: DPA, SLA, MSA, Privacy, Cookie, AUP, Subprocessors, Security Questionnaire responses, and a Vendor Risk Register.
Deploy your way
SaaS, self-hosted, or hybrid — your call
SaaS
Hosted on Google Cloud. Launch in a day, no infrastructure to run.
Self-hosted
Docker Compose bundle for teams that need Onivo AR inside their own VPC.
Hybrid
Bring your own Stripe, your own SMTP, and your own OAuth apps.
Pricing
Start simple, scale by volume and controls
Starter
For teams leaving spreadsheets behind
- Cash application + collections worklist
- Configurable dunning with AI drafts
- Customer self-service portal
Growth
For scaling AR operations
- Everything in Starter
- Dispute management + unified inbox
- Analytics, forecasting, and ERP sync
Enterprise
For procurement and scale
- Self-hosted or hybrid deployment
- Full compliance document set + SLA
- SSO, custom controls, and onboarding
Billed monthly via Stripe with self-serve in-app upgrades. Ask about pilot pricing.
One platform, both sides of the ledger
Onivo AP automates the money going out — invoice capture, matching, approvals, and ERP posting. Run payables and receivables on the same AI-native foundation.
Get started
See Onivo AR on your own receivables
Tell us your current tools, monthly invoice volume, and where AR hurts most. We'll propose a rollout path and target timeline.