Most overdue invoices are still collectable — for about two weeks.

Called within 24 hours of going late, an overdue B2B invoice collects roughly 65% of the time. Wait two weeks and that falls to about 15%. No AR clerk can call every account on day one, every cycle — so the money slips into the window where it stops coming back. Sparkwright calls every overdue account on schedule, references the specific invoice, and texts a payment link while the customer is still on the phone.

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65% → 15% collectability decay: Credit Pulse, DSO by Industry — 2025 Benchmarks. creditpulse.com

The Problem

Late payment is usually a process problem, not a refusal.

The largest single driver of late B2B payment in the Americas is administrative — invoices lost in someone's process, liquidity timing, the bill that never reached the person who approves it. Customers who pay late by habit aren't disputing the charge. They simply haven't been reached at the right moment, by the right account, with an easy way to pay.

So the hard part was never knowing who to call. It's making every call, every cycle, inside the high-collectability window — with the same judgment your best AR clerk would have on her best day. That's a staffing problem, and staffing problems don't solve themselves.

Administrative causes as the leading driver of US late payment: Atradius, Payment Practices Barometer — the Americas. atradiuscollections.com

The Mechanism

Your AR aging report is now a calling queue.

01

Pulls your AR aging on schedule.

Direct integration with QuickBooks (Desktop and Online), NetSuite, Sage, and other systems. Pulled daily or per your cycle — accounts bucketed by 30, 60, 90+ days overdue.

02

Calls the right contact at the right time.

Uses your customer record — primary contact, AR contact if separate. Calls within your defined business hours, against your defined cadence per aging bucket, while the balance is still in the collectable window.

03

Handles the conversation with judgment.

References specific invoices and amounts. Asks for payment commitment dates. Sends payment links by text or email while still on the call. Captures disputes and routes them to your AR team. Reschedules if it is the wrong moment.

04

Writes outcomes back to your system.

Payment commitments, dispute reasons, callback requests, contact updates — all written back to your accounting system or AR tool. The next call already knows what happened on the last one.

Capabilities

What each call does.

Six functions per call, configured to your AR workflow and your business tone.

Account verification.

Confirms the right person, the right account, before any balance is discussed.

Balance and aging review.

References specific invoices, amounts, and days overdue from the live aging report — not a snapshot from last week.

Payment commitment capture.

Records promise-to-pay dates and amounts. Schedules a follow-up call if the date passes without payment.

Real-time payment link delivery.

Texts or emails a payment link mid-call. Most customers who are willing to pay will pay while still on the phone.

Dispute intake and routing.

Captures the reason a charge is being disputed and routes the case to a named human on your AR team.

Tone calibrated to your business.

Your business is not a collections agency. The agent matches your tone — firm where it needs to be, professional where the relationship matters.

The ROI

The math.

DSO Reduction Working capital released Every day off your DSO is roughly your daily revenue freed from receivables. A $20M business reducing DSO by ten days frees about $550K in working capital — without growing revenue.
Recovery on Aging AR Keep the agency cut Collections agencies take 25 to 50 percent on recovered AR. The accounts you would have handed over are instead handled in-house by an agent that costs pennies per call.
AR Staff Economics No turnover. No PTO. A full-time AR clerk costs $55K–$80K loaded, and turns over every eighteen months on average. Sparkwright runs every cycle, all the time, configured once.

A mid-market distributor with $20M in revenue and 45-day DSO has roughly $2.5M tied up in receivables at any given moment. Reduce that DSO to 35 days and the same business frees $550,000 of working capital — without selling another dollar of product. Every day a receivable sits unpaid is working capital you've loaned interest-free.

Who This Is For

Built for a real aging tail.

Sparkwright fits B2B operators who invoice on terms and carry a real 60/90+ aging tail — distributors, wholesalers, and manufacturers with a book of repeat customers who pay late by habit, not by dispute. If your DSO is a board-level number and your AR team can't physically call every overdue account every cycle, this is built for you.

Adjacent Capabilities

The same engine, the other leaks.

24/7 order management Answer after-hours and overflow orders, capture them, and route them into your system. See how → Missed booked appointments Confirm, remind, and reschedule at scale before booked revenue quietly no-shows. See how →

Each capability is scoped as part of an enterprise engagement.

Next Step

Schedule a discovery call.

Enterprise engagements start with a conversation about your operation. We will spend thirty minutes understanding your AR workflow, your accounting system, and what a successful deployment would look like — and model the specific DSO impact for your numbers. If there is a fit, we will scope the engagement together.

Schedule a discovery call