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INV-2001

Meridian Interiors

$8,500 outstanding, 40 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-2001

Generated Aug 26, 2026

Billed to

Meridian Interiors

Grace Tan

grace@example.com

Summary

INV-2001 for Meridian Interiors is 40 days past due with $8,500 outstanding and a risk score of 24. The risk is contained, so the agent is chasing gently. Meridian Interiors usually pays 5 days late and has a reliability score of 82. So far the agent has made 1 decision and sent 1 message. If recovered, the fee would be $680.

Invoice detail

Invoice numberINV-2001
Statusoverdue
Invoiced$8,500
Paid so far$0
Balance$8,500
IssuedJul 5, 2026
DueJul 17, 2026
Age40 days past due
Risk score24 / 100
Commission rate8%
Fee if recovered$680

Customer

Reliability score82 / 100
Usually pays5 days late
Customer for14 months
Messages exchanged1 sent, 1 received

Decision history (1)

DateActionOutcomeConf.Risk
Jul 23, 2026PressSent, no human8424

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-2001 for Meridian Interiors as of Aug 26, 2026.

Agent

What should happen today?

PressSent · no humanvia email1 month ago

40 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
84
Risk
24
Next review
Aug 25, 2026
Decided in
829ms

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

Conversation

Everything said so far

Invoice follow-up · Meridian Interiors

2 messages · with Grace Tan

PH
Peter, Heytugas<peter@heytugas.example.com>Jul 23, 2026, 9:30 AM

to Grace Tan

Grace, INV-2001 for the office interior design for their new showroom is now 40 days past due at $8,500. I need a payment date this week. If timing is difficult, tell me and I will put a plan together instead.

GT
Grace Tan<grace@example.com>Jul 24, 2026, 2:14 PM

to Peter

Understood Peter. We are happy with the office interior design for their new showroom, just juggling a few payments. Let me come back with a firm date.

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

83%

Predicted time to pay

23d

What drives it

Reliability+100%Pays with a reliability score of 82
Age-89%40 days past due
Engagement+50%Customer has replied
Relationship+35%14-month relationship
History+17%Usually pays 5 days late
Balance-12%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-2001Meridian Interiors1 month ago

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

Confidence84Risk24via emailgemini-2.5-flash · 829msSimulated
INV-2001Overdue
Balance
$8,500
Invoiced
$8,500
Paid so far
$0
Issued
Jul 5, 2026
Due
Jul 17, 2026
Age
40 days past due
Our commission
8%
Fee if recovered
$680
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
24
Messages sent
1
Last contact
1 month ago
Next review
Aug 25, 2026

Customer

Meridian Interiors

Grace Tan

grace@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
82
Usually pays
5 days late
Customer for
14 months
INV-2001 · Meridian Interiors · Arrearly