The Problem
Your clients' money is stuck — and you see it first
Every year-end, you close books full of aged receivables— 60, 90, 120 days overdue. Your clients know the money is stuck. They just won't chase it.
Why? Because in India, asking for money feels like damaging the relationship. So owners wait, cash-flow tightens, and working capital loans fill the gap.
You advise them to follow up. Nothing changes — until the follow-up becomes automatic.
₹10.7L Cr+
estimated payments delayed to Indian MSMEs at any time
60–120
days a typical B2B invoice runs beyond its due date
0
systematic follow-up used by most SMBs — it's awkward calls
The Product
Settl: polite, persistent follow-up on WhatsApp
An AI agent that chases unpaid invoices for the business owner — so the owner never has to make the awkward call.
Reads the ledger
Imports invoices from Tally, Excel/CSV or manual entry. Flags what's overdue and by how much.
Follows up in the client's language
Escalating reminder sequences in Hindi, Hinglish, Bengali & English — always courteous, never pushy.
Collects with one tap
Every reminder carries a UPI / payment link. Customer pays inside WhatsApp; GST receipt goes out automatically.
Shows the money move
Live dashboard of outstanding vs. recovered, ageing buckets, and who needs a human nudge.
How It Works
From stuck invoice to money in the bank
Connect
Client (or your team) uploads the debtor list — Tally export, CSV, or even a photo of the ledger.
Remind
AI sends a polite WhatsApp reminder before the due date, then escalates gently: day 3, day 7, day 15.
Collect
Each message includes a UPI payment link. Payment is confirmed and receipted instantly.
Reconcile
Paid invoices are marked off automatically. The ageing report you see at filing time gets shorter.
The owner approves the tone once. After that, follow-up runs on autopilot — with a human takeover button for sensitive accounts.
The Opportunity
Why CA firms are the perfect partner
You are the most trusted advisor
When a CA recommends a tool, SMBs adopt it. No cold-selling — just advice your clients already expect from you.
You already see the problem
Every audit and GST filing puts the aged receivables report in front of you. You know exactly which clients need this — and how badly.
It deepens the relationship
Recovering stuck cash is the most tangible value you can add. Clients remember who unlocked their working capital.
It pays your firm, every month
25% recurring revenue share on every client you onboard — for as long as they stay subscribed. Zero delivery work on your side.
Partner Tools
One dashboard. All your clients' receivables.
Multi-client view
Every client's outstanding, recovered and ageing buckets in one screen — organised by your firm.
Managed or self-serve
Run sequences on the client's behalf as a paid service, or let them self-manage while you monitor.
Filing-season superpower
Cleaner receivables, fewer provisions for doubtful debts, better-looking books at audit time.
White-label reports
Monthly recovery reports carry your firm's name — a ready-made touchpoint with every client.
Your Firm · Partner Dashboard
38
active clients
₹1.9 Cr
under follow-up
₹64 L
recovered (90d)
Packages
Pick your client's peace of mind
The exact plans your clients subscribe to — every one earns your firm a 25% recurring share.
Start Here
Try the magic
Watch your first stuck payment come home — without you saying a word.
- Your 10 most overdue payments, chased for you
- The awkward call — gone
- Money lands instantly via UPI
For The Solo Hustler
Peace of Mind
Stop carrying udhaar in your head. Sleep without counting who owes you.
- Every party who owes you, tracked
- Reminders in their language — even Bengali
- Your Excel becomes your collection agent
- Receipts reach them before they ask
Most Popular
Relationship Saver
They pay on time. You stay the good guy. The friendship survives the invoice.
- 100 pending payments chased at once
- Tally connects — follow-up runs itself
- Watch money coming home, live
- Know who's slipping before it hurts
- Bring your accountant along (2 seats)
You Never Had To Hire
The Collection Team
500 parties. Zero chasing. Full nights of sleep for the whole office.
- Follow-up at distributor scale
- Tally syncs itself, every day
- AI knows when a human should step in
- Whole team onboard — no seat drama
- We pick up when you call
Partner Exclusive
The Advisor's Edge
Be the CA who unlocked their cash flow. They'll never leave you.
- Everything your client needs, at your rate
- Reports that carry your firm's name
- Every client on one dashboard
- Margin that's yours to keep
Annual prepay = 2 months free · We count invoices, never messages · When you outgrow a plan, we ask first — never surprise charges
Partner Economics
What your firm earns
25%
recurring revenue share
on every subscription you bring in — paid monthly, for the life of the client. Plus preferred pricing if you bill it as your own managed service.
A worked example
Fully passive after onboarding. Larger practices and Tally-partner firms qualify for higher tiers.
Partner Kit
Everything your firm needs to launch in a week
White-glove onboarding
We set up your first 5 clients with you — sequences, tone, Tally import — so you learn by watching.
Co-branded collateral
One-pagers, WhatsApp broadcast scripts and email templates with your firm's logo, ready to send to clients.
Priority support line
Dedicated partner WhatsApp group with same-day responses. Your clients never wait.
Partner dashboard
Multi-client management, revenue-share tracking, and white-label monthly recovery reports.
Launch incentive
First 3 client subscriptions you onboard are matched with 3 free months for your own firm's receivables.
Founding-partner status
Early partners shape the roadmap and lock the 25% share permanently, before tiers tighten.
Getting Started
Live in seven days
Sign the one-page agreement, get partner dashboard access and your co-branded kit.
We shortlist together from your practice — highest ageing balances, friendliest owners first.
30-minute call per client. We import their ledger and approve reminder tone with the owner.
Sequences start. Most clients see their first recovered payment within two weeks.
Our ask today: five pilot clients from your practice. We do the heavy lifting — you make the introduction.
Your clients' cash flow.
Your firm's next revenue line.
Become a founding CA partner of Settl