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INV-2016

Nordic Craft Furniture

$5,800 outstanding, 22 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-2016

Generated Aug 26, 2026

Billed to

Nordic Craft Furniture

Erik Larsen

hello@example.com

Summary

INV-2016 for Nordic Craft Furniture is 22 days past due with $5,800 outstanding and a risk score of 35. The risk is contained, so the agent is chasing gently. Nordic Craft Furniture usually pays 6 days late and has a reliability score of 81. So far the agent has made 1 decision and sent 1 message. If recovered, the fee would be $464.

Invoice detail

Invoice numberINV-2016
Statusdisputed
Invoiced$5,800
Paid so far$0
Balance$5,800
IssuedJul 14, 2026
DueAug 4, 2026
Age22 days past due
Risk score35 / 100
Commission rate8%
Fee if recovered$464

Customer

Reliability score81 / 100
Usually pays6 days late
Customer for13 months
Messages exchanged1 sent, 2 received

Decision history (1)

DateActionOutcomeConf.Risk
Aug 1, 2026Hand offQueued for review7035

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-2016 for Nordic Craft Furniture as of Aug 26, 2026.

Agent

What should happen today?

Hand offWaiting on a personvia email25 days ago

The client is contesting the scope, not refusing to pay. A factual dispute belongs with a person, not an automated chase.

Confidence
70
Risk
35
Next review
Aug 25, 2026
Decided in
785ms

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

Conversation

Everything said so far

Invoice follow-up · Nordic Craft Furniture

3 messages · with Erik Larsen

PH
Peter, Heytugas<peter@heytugas.example.com>Aug 1, 2026, 9:30 AM

to Erik Larsen

Hi Erik - INV-2016 for the product catalogue and website design ($5,800) is past due. Let me know if anything needs clarifying.

EL
Erik Larsen<hello@example.com>Aug 2, 2026, 4:00 PM

to Peter

We think the final scope differed from the quote, can someone review this?

EL
Erik Larsen<hello@example.com>Aug 2, 2026, 2:41 PM

to Peter

Hi Peter, before we pay, the final product catalogue and website design looked broader than the original quote. Can someone from Heytugas walk us through the scope?

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)medium confidence

Probability of payment

88%

Predicted time to pay

18d

What drives it

Reliability+100%Pays with a reliability score of 81
Engagement+52%Customer has replied
Age-51%22 days past due
Relationship+34%13-month relationship
History+9%Usually pays 6 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
Hand offWaiting on a personINV-2016Nordic Craft Furniture25 days ago

The client is contesting the scope, not refusing to pay. A factual dispute belongs with a person, not an automated chase.

Confidence70Risk35via emailgemini-2.5-flash · 785msSimulated
INV-2016Disputed
Balance
$5,800
Invoiced
$5,800
Paid so far
$0
Issued
Jul 14, 2026
Due
Aug 4, 2026
Age
22 days past due
Our commission
8%
Fee if recovered
$464
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
35
Messages sent
1
Last contact
24 days ago
Next review
Aug 25, 2026

Customer

Nordic Craft Furniture

Erik Larsen

hello@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
81
Usually pays
6 days late
Customer for
13 months
INV-2016 · Nordic Craft Furniture · Arrearly