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INV-2004

Lumen Dental Studio

$6,000 outstanding, 28 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-2004

Generated Aug 26, 2026

Billed to

Lumen Dental Studio

Dr. Aaron Yeo

admin@example.com

Summary

INV-2004 for Lumen Dental Studio is 28 days past due with $6,000 outstanding and a risk score of 15. The risk is contained, so the agent is chasing gently. Lumen Dental Studio usually pays 4 days late and has a reliability score of 88. So far the agent has made 1 decision and sent 1 message. If recovered, the fee would be $360.

Invoice detail

Invoice numberINV-2004
Statusoverdue
Invoiced$6,000
Paid so far$0
Balance$6,000
IssuedJul 24, 2026
DueJul 29, 2026
Age28 days past due
Risk score15 / 100
Commission rate6%
Fee if recovered$360

Customer

Reliability score88 / 100
Usually pays4 days late
Customer for20 months
Messages exchanged1 sent, 1 received

Decision history (1)

DateActionOutcomeConf.Risk
Aug 4, 2026PressSent, no human9115

What every number here means

Risk score (0 to 100)

How likely a balance is to go unpaid without intervention. 0 to 29 is comfortable, 30 to 49 is worth watching, 50 to 69 is pressing, 70 to 84 is urgent, and 85 or above needs action now.

Reliability score (0 to 100)

How dependably a customer has paid before. 80 to 100 is strong, 60 to 79 is fair, 40 to 59 is shaky, and below 40 is poor. The agent opens warmer with reliable customers and firmer with the rest.

Confidence (0 to 100)

How sure the agent is that a decision is the right one. Below the autonomy threshold the message is drafted but held for a person rather than sent. Higher is surer.

Commission and fee

The commission rate is the agreed cut of whatever is recovered. The fee is that rate applied to this balance, so it is only earned if and when the invoice is actually paid.

Age and status

Age is days since the due date. Status moves from open to overdue, then to promised, partial, disputed, escalated, or paid as the account progresses.

PayPal transaction

Every payment settles through PayPal to the Heytugas.com account. Each row lists its date, the installment it covers, and the PayPal transaction id for reconciliation.

Generated by Arrearly, built by Wiqi Lee. This statement reflects INV-2004 for Lumen Dental Studio as of Aug 26, 2026.

Agent

What should happen today?

PressSent · no humanvia email22 days ago

28 days past due with no reply. Naming the amount and inviting a plan gives an easy exit and makes another silence the harder option.

Confidence
91
Risk
15
Next review
Aug 25, 2026
Decided in
909ms

Decided by the offline policy engine. Add Gemini credentials to hand this over to the model.

Conversation

Everything said so far

Invoice follow-up · Lumen Dental Studio

2 messages · with Dr. Aaron Yeo

PH
Peter, Heytugas<peter@heytugas.example.com>Aug 4, 2026, 9:30 AM

to Dr. Aaron Yeo

Aaron, INV-2004 for the clinic interior design and signage is now 28 days past due at $6,000. I need a payment date this week. If timing is difficult, tell me and I will put a plan together instead.

DA
Dr. Aaron Yeo<admin@example.com>Aug 5, 2026, 2:09 PM

to Peter

Hi Peter, apologies for the delay. Cash has been tight but the clinic interior design and signage was worth it. Can I confirm a date by Friday?

Finance

Payments and prediction

Payment model?Payment modelA learned model that reads the account and estimates two things: the probability the balance is recovered, and how many days it will take. It runs locally on every view, and a heavier retrainable version runs in the Python service when connected. The bars show which features push the odds up (green) or down (red), so the number can always be taken apart.66-100%Likely to be paid (green)40-65%Uncertain, worth watching (amber)0-39%At risk without action (red)high confidence

Probability of payment

92%

Predicted time to pay

18d

What drives it

Reliability+100%Pays with a reliability score of 88
Age-49%28 days past due
Relationship+39%20-month relationship
Engagement+39%Customer has replied
History+20%Usually pays 4 days late
Balance-3%Large balance outstanding
Promise0%No promise on file

Green pushes toward payment, red away from it, and the percentage is each feature's pull relative to the strongest one. The agent folds this into its reasoning as one input, never an instruction.

History

Decisions on this invoice

Decisions board
PressSent · no humanINV-2004Lumen Dental Studio22 days ago

28 days past due with no reply. Naming the amount and inviting a plan gives an easy exit and makes another silence the harder option.

Confidence91Risk15via emailgemini-2.5-flash · 909msSimulated
INV-2004Overdue
Balance
$6,000
Invoiced
$6,000
Paid so far
$0
Issued
Jul 24, 2026
Due
Jul 29, 2026
Age
28 days past due
Our commission
6%
Fee if recovered
$360
Risk ?Risk scoreA 0-100 estimate of the chance this balance is never recovered if left alone. It blends how far past due the invoice is, how reliably the customer has paid before, how large the balance is, and how long the relationship has lasted.0-29Comfortable30-49Worth watching50-69Pressing70-84Urgent85-100Act now
15
Messages sent
1
Last contact
21 days ago
Next review
Aug 25, 2026

Customer

Lumen Dental Studio

Dr. Aaron Yeo

admin@example.com

Reliability ?Reliability scoreA 0-100 record of this customer's own payment history with you. The agent leans on this to decide how warm or how firm to open.80-100Strong, pays close to on time60-79Fair, a nudge usually does it40-59Shaky, takes a few rounds0-39Poor, expect to work for it
88
Usually pays
4 days late
Customer for
20 months
INV-2004 · Lumen Dental Studio · Arrearly