Payment reminders and invoicing, run by an AI agent
Get paid faster without chasing your clients. An Obrio AI agent watches your receivables, drafts your payment reminders and invoices, then waits for your green light before anything goes out. You configure nothing: we deploy the agent, tune it to how you work, and run it for you. You keep the final word on every send.
Built to respect Law 25
Your data stays in Canada, and a human approves every action before it goes out. You get the benefit of AI without exposing your business.
Late payments are choking small businesses
For most small businesses, the problem isn't the order book — it's the gap between work delivered and money collected. Cash comes in late, the line of credit absorbs the shock, and the owner ends up floating the business out of pocket.
The real culprit is rarely the bad payer. It's inconsistent follow-ups. One month the invoice goes out at 21 days. The next, at 40 days because everyone was swamped. Sometimes never, because it was left sitting in drafts. The result: clients used to paying whenever it suits them, and cash flow you can't forecast.
It's a well-documented problem. According to the Canadian Federation of Independent Business, nearly half of Canadian small businesses name cash flow as their top operational challenge, and payment delays are the most common cause. Automating unpaid invoices isn't a luxury — it's the fastest cash-flow lever you can pull.
How the agent prepares your reminders (and you keep the final word)
Obrio's accounting agent watches your receivables continuously. The moment an invoice crosses a threshold you've set, it drafts a payment reminder — personalized with the client's name, invoice number, amount owed and payment link.
You set the cadence. A proven pattern looks like this:
- First reminder, around 14 days: a friendly email, positive tone, that simply restates the amount and how to pay.
- Second reminder, around 28 days: a more direct tone that references the agreed terms and offers to talk if the client is struggling.
- Final follow-up, around 42 days: the account is flagged to someone on your team for direct action — a call, an arrangement, or a decision on next steps.
At every step, the agent only prepares. It sends you an approval request. One click to approve, and the reminder goes out. One click to edit or decline, and nothing does. No invoice slips through the cracks, and no message leaves your business without a human seeing it first. That's the principle we apply everywhere: the agent prepares, you approve.
Invoicing and QuickBooks tracking with no double entry
The agent plugs straight into the tools you already use — QuickBooks first and foremost, but also your inboxes and payment tools. No new software to learn, no migration, no double entry.
In practice, it prepares your invoices from your data, tracks the state of your receivables, reconciles incoming payments, and flags anything that needs your attention. Automated invoicing on QuickBooks means one simple thing: what used to live in a forgotten spreadsheet now happens continuously, and you see all of it from a single dashboard.
A real result: payment delays cut from 45 to 18 days
In one of our own businesses in Gatineau, the average payment delay was over 45 days. After we deployed this reminder agent, it dropped to 18 days within three months — and the time the team spent on follow-ups fell from a few hours a week to under 30 minutes, just long enough to approve the drafted reminders. We tell the full story, with the numbers, in our case study.
Read it as a documented example, not a guaranteed figure: results vary with your industry, your client base and your terms. What's consistent is the mechanics — a reminder that always goes out, at the right time, without depending on anyone's memory.
Done for you, not one more tool to configure
Most reminder solutions are software you have to install, set up and keep running yourself. You buy the tool; the operating work stays on your plate.
Obrio works differently. We deploy the agent, configure it to your thresholds, your email templates and your tone, connect it to your systems, and refine it over time. You don't inherit one more dashboard to learn — you gain an AI colleague that clears the repetitive work and asks for your call when it matters. Operators, not consultants: we don't leave you alone with a manual.
Law 25 compliant, data in Canada
Your receivables are sensitive information. Obrio's agents are built to respect Quebec's Law 25: data is hosted in Canada, every action is logged and auditable, and nothing irreversible happens without human approval. We reduce your risk instead of adding to it. More in our guide to Law 25-compliant AI.
Keep reading
The same agent gets you paid faster whether it's reminders in restaurants or for home services — two sectors where too much money sits in receivables.
Our other AI agents: Quotes & estimates · Employee scheduling & shifts.
Payment reminders and invoicing by AI
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Ready to get paid faster?
We deploy and run your reminder agent. Turnkey, no setup fees. A real person gets back to you within 48 hours.