B2B Late-Invoice Auto-Chaser With Statutory Late-Fee Engine and Net-30 Service-Stop Workflow

saas real project •• multiple requests

Tiny B2B service operators are losing weeks of revenue chasing overdue invoices manually over WhatsApp because QuickBooks/Xero auto-reminders get ignored. The unmet need is an opinionated chaser that automatically applies jurisdiction-correct statutory late fees (UK Late Payment Act 8% + BoE + £40-100, US compounding interest), generates legal demand letters at day 30/60/90, scores clients by payment reliability, and triggers service shutoff hooks so the tool actually has teeth.

builder note

The killer feature isn't the AI-drafted email. It's automating the LEGAL escalation ladder (notice of breach, statutory fee accrual, hand-off to small claims) so a one-person consultancy gets the same teeth a 50-person firm gets from Chaser.

landscape (3 existing solutions)

The chaser space is split between enterprise-grade credit control suites and feeble in-accounting-tool reminders. The middle, an opinionated solo-operator chaser with statutory teeth and a service-stop hook, is unfilled.

Chaser Polished but priced for accountancies and 50+ employee businesses ($45-$199+/mo per company). No statutory fee automation, no service-shutoff webhook... just nicer reminder emails.

Satago UK-focused but bundled with invoice finance and credit control products. Solo consultants and 1-3 person ops don't want a credit-bureau integration, they want a $20/mo chaser that knows the law.

QuickBooks/Xero auto-reminders Reminders get ignored because they look automated. Operators consistently report falling back to manual WhatsApp. No teeth, no escalation ladder, no statutory fee.

sources (2)

hn https://news.ycombinator.com/item?id=47638685 "chasing overdue invoices is manual, awkward, and nobody has a good system for it" 2026-04-04

reddit https://www.reddit.com/r/SaaS/comments/1sqzb20/uk_freelancer... "auto-chases late clients, applies UK statutory late fees per the Late Payment Act" 2026-04-16

accounts-receivablefreelancesmbcompliancefintech