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INV-2002

Solstice Cafe Group

$2,400 outstanding, 16 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-2002

Generated Aug 26, 2026

Billed to

Solstice Cafe Group

Daniel Lim

accounts@example.com

Summary

INV-2002 for Solstice Cafe Group is 16 days past due with $2,400 outstanding and a risk score of 39. The risk is contained, so the agent is chasing gently. Solstice Cafe Group usually pays 9 days late and has a reliability score of 71. So far the agent has made 1 decision and sent 1 message. If recovered, the fee would be $144.

Invoice detail

Invoice numberINV-2002
Statusoverdue
Invoiced$2,400
Paid so far$0
Balance$2,400
IssuedJul 2, 2026
DueAug 10, 2026
Age16 days past due
Risk score39 / 100
Commission rate6%
Fee if recovered$144

Customer

Reliability score71 / 100
Usually pays9 days late
Customer for7 months
Messages exchanged1 sent, 1 received

Decision history (1)

DateActionOutcomeConf.Risk
Aug 16, 2026NudgeSent, no human8839

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-2002 for Solstice Cafe Group as of Aug 26, 2026.

Agent

What should happen today?

NudgeSent · no humanvia whatsapp10 days ago

16 days past due on a mixed account. A gentle reminder that assumes the invoice was simply missed is the right opening move.

Confidence
88
Risk
39
Next review
Aug 25, 2026
Decided in
774ms

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

Conversation

Everything said so far

DL

Daniel Lim

Solstice Cafe Group

WhatsApp
Peter, HeytugasHi Daniel - INV-2002 for the logo and brand identity for the new cafe came due on schedule and I cannot see it against the account yet. If it is already scheduled, let me know the date.9:30 AM
Daniel LimSorry Peter, this slipped past us. The logo and brand identity for the new cafe was exactly what we needed. Paying in the next few days.2:46 PM

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

78%

Predicted time to pay

19d

What drives it

Reliability+100%Pays with a reliability score of 71
Engagement+100%Customer has replied
Age-71%16 days past due
Relationship+35%7-month relationship
History-33%Usually pays 9 days late
Balance0%Modest 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
NudgeSent · no humanINV-2002Solstice Cafe Group10 days ago

16 days past due on a mixed account. A gentle reminder that assumes the invoice was simply missed is the right opening move.

Confidence88Risk39via whatsappgemini-2.5-flash · 774msSimulated
INV-2002Overdue
Balance
$2,400
Invoiced
$2,400
Paid so far
$0
Issued
Jul 2, 2026
Due
Aug 10, 2026
Age
16 days past due
Our commission
6%
Fee if recovered
$144
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
39
Messages sent
1
Last contact
9 days ago
Next review
Aug 25, 2026

Customer

Solstice Cafe Group

Daniel Lim

accounts@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
71
Usually pays
9 days late
Customer for
7 months
INV-2002 · Solstice Cafe Group · Arrearly