Stop chasing invoices.
Credmo does it for you.

An AI credit controller that monitors your receivables, sends graduated payment reminders, and gets you paid on time. No templates. No manual follow-ups. Just cash in the bank.

£23.4B
Owed to UK SMBs in
late payments
23 days
Average delay past
invoice terms
50k+
UK businesses closed
from cash flow issues
Invoice
#INV-2847
17 days overdue
Client Thornton & Partners Ltd
Issued 28 Feb 2026
Due 10 Mar 2026
Status Unpaid
Total Due £4,250.00
Credmo AI · Just now
Sent 3rd reminder to Thornton & Partners. Escalated tone. Payment link included.
How it works

Hire a credit controller that never takes a day off

Credmo watches your invoices 24/7 and acts the moment a payment is late. No rules to configure. No templates to write.

01

Connect

Link your accounting software. Credmo syncs your invoices and learns your payment patterns.

02

Monitor

Every invoice is tracked in real time. The moment a payment is late, Credmo notices.

03

Chase

AI-written reminders go out automatically. Polite at first, firmer over time. Each message is personalised.

04

Report

Daily cash flow briefings land in your inbox. Know exactly who owes what and when to expect payment.

The difference

Credit control tools vs. an AI credit controller

Traditional tools

×
You set up chase schedules manually
×
Generic template emails that clients ignore
×
You check dashboards to find overdue invoices
×
You decide when and how to escalate
×
Pull reports manually when you remember

Credmo

✓
Learns optimal timing from payment behaviour data
✓
Writes personalised messages that actually get opened
✓
Monitors continuously and acts the second a payment is late
✓
Escalates tone autonomously based on debtor behaviour
✓
Sends you daily cash flow briefings automatically

Your invoices deserve to be paid.
Credmo makes sure they are.

Built for UK small businesses tired of chasing payments. An AI employee that handles your receivables so you can focus on the work that matters.