Collections Agent live · Payables & Close in early access
Your finance back office,
run by agents you approve.
Stratum deploys finance agents that own collections, payables, month-end close, and cash — on top of the ledger you already run. They do the work every day. You approve what matters. Everything they learn stays yours.
- 10:05Collections Agent: Payment received · Harlow Freight · $4,150 · applied to INV-0921Reconciled
- 09:40Cash Agent: 13-week forecast updated · runway 14.2 months · +0.3Reconciled
- 09:31Payables Agent: Payment run of $23,900 approved by Prem · releases FridayApproved
- 09:20Spend Agent: Flagged duplicate SaaS charge · Figma · $45 · 2× this monthFlagged
- 09:15Collections Agent: Dover & Co. replied 'processing' · sequence paused 5 daysLearned
- 09:11Payables Agent: Captured Harlow Freight bill · $4,150 · coded to LogisticsScheduled
- 09:04Close Agent: Matched 41 bank transactions · 2 queued for reviewReconciled
- 09:02Collections Agent: Reminder 2 sent to Meridian Fabrication · $18,400 · 12 days lateSent
- Cash in today
- $4,150
- Reminders sent
- 3
- Exceptions queued
- 2
- Collections AgentSend second notice$9,200
Dover & Co.
41 days late · above your $5,000 threshold · CFO to be cc'd per client note
- Payables AgentRelease 7 bills$23,900
Friday payment run
All within terms · cash forecast covers with $61k headroom
- Close AgentPost journal entry$2,100
Prepaid amortisation
Office lease · month 5 of 12 · matches prior months
Illustrative. Fictional companies, real workflow.
Runs on the ledger you already keep
Agents are strata laid over your ledger.
Nothing is replaced. The books stay the system of record. Each agent is a layer that owns one job, shares what it learns, and hands the decisions that matter up to you.
Eight jobs. One agent each.
Start with the job that hurts most. Add the next when the first one is boring. Every agent shares the same judgment layer and the same approvals inbox.
Operations
Agents that move the work: receivables in, payables out.
Control
Agents that keep the books right: reconciled, reviewed, compliant.
Intelligence
Agents that turn the books into decisions: cash, reporting, planning.
Connect. Learn. Act. Approve. Audit.
Five stages, the same for every agent. The routine runs on schedule. The material waits for you. The record writes itself.
Connect
Link the ledger and the sources around it. Read-only where reading is enough. No migration.
Sources
QuickBooks Online
Invoices, customers, payments · read & draft
HDFC bank feed
Transactions · read-only
Gmail · ar@meridianfab.com
Send from your mailbox · drafts held above threshold
Stripe
Payouts and fees · read-only
No migration. Your ledger stays the system of record. Read-only wherever reading is enough.
Learn
The agent reads history — who pays when, who approves what — and writes it down where you can see it.
Reading 18 months of history
1,284 invoices · 412 paymentsPays 10–15 days late every quarter, on schedule. Do not escalate before day 30.
Approvals route through the controller. CFO cc'd past first notice.
Pays within 3 days of reminder 1. Light touch works.
Act
Reminders, coding, matching, drafts. Daily, within your thresholds. Unsure? It queues, not guesses.
Hi Priya,
A quick note that INV-0917 for $18,400 was due on the 3rd. If it is already on its way, please ignore this. Otherwise, could you let me know when we can expect payment?
Thanks, Prem
Approve
One inbox. Each item with the proposal, the context, and the reasoning. One tap. Your decision teaches the rule.
41 days late · above your $5,000 threshold · CFO to be cc'd per client note
Your decision teaches the rule. Approve twice with the same edit and the agent proposes: “Second notices to Dover & Co. always cc the CFO.”
Audit
Every action logged with who, when, what it saw, and why. From journal entry back to reasoning. Exportable always.
What it saw
- INV-0917 open, due 3 Sep, no payment matched
- Client note: escalate after day 30 only
- Reminder 1 sent 6 Sep, opened, no reply
Why
Day 12 of a 30-day sequence, inside cadence and threshold. Friendly tone per client note. No approval required.
Pays 10–15 days late every quarter, on schedule. Relationship outweighs the receivable — do not escalate before day 30.
Approvals route through the controller, not the owner. CFO must be cc'd on anything past first notice.
First late payment in 18 months. Treat as a warning sign, not a pattern — flag for a call, not an automated escalation.
The brain is yours. Not ours.
Every business runs on judgment nobody has written down — which customers can be pushed, who is actually authorised to approve a payment plan, which chronically late account is fine and which is a warning sign. It usually lives in one person's head.
Our agents capture it as they work, in plain language you can read. You can inspect it, correct it, export it, and take it elsewhere at any time. We would rather be kept because we are useful than because leaving is hard.
- Plain language, with evidence
- Editable by you
- Full export, any time
What the agent will never do.
Trust comes from the list of things an agent cannot do, enforced in code rather than requested in a prompt.
- 01
Never moves money
Agents prepare and schedule. A human releases every payment, inside your bank. Bank feeds are read-only.
- 02
Never acts above your threshold
By amount, counterparty, account, or action type. Above the line, it waits for you. Always.
- 03
Never files, locks, or writes off
Returns are filed by your accountant. Periods are locked by you. Write-offs are a human decision, with a reason.
- 04
Never guesses when unsure
Low-confidence matches and codes are queued with the agent's best guess and its reasoning — not assumed.
- 05
Never acts without writing down why
Every action carries what the agent saw and why it acted, recorded at the moment, never edited after.
The paperwork is disappearing either way.
You can automate ahead of the shift, or catch up to it later at a worse price.
- 01
Regulation is cleaning up the data
India, the EU, Brazil, Mexico, and more now mandate structured, machine-readable e-invoicing. Financial data is being forced into a form software can act on.
- 02
Firms cannot hire their way out
The accounting profession has lost a meaningful share of its workforce since 2019. Bookkeeping and finance-ops firms need agents to serve the clients they already have.
- 03
Outsourced work is easy to replace
Most SMB finance work is already done by a bookkeeper, a firm, or an offshore team. Replacing a service is a procurement decision, not a reorganisation.
Day one to day thirty.
What actually happens after you connect the ledger. Illustrative, from a design-partner deployment of Collections, Payables, and Close.
Scroll sideways
Ten companies per agent. Hands on. Performance-only for 90 days.
We are building each agent with a small number of businesses that let us sit in their approvals inbox and learn how they really run. You pay on the outcome we agree together. You shape what the agent becomes.
Apply as a design partner- Pay only on the agreed outcome for 90 days
- Weekly session with the founder and your engineer
- Your workflows set the roadmap
- Design-partner pricing locked for two years
Stop chasing invoices. Start reviewing outcomes.
We work with a small number of businesses at a time, hands-on. Tell us about your receivables, your payables, or your close, and we will tell you plainly whether we are a fit.
- 01
Thirty minutes on your books
Which job hurts most, who does it today, what the approval line should be.
- 02
A plain answer on fit
If the ledger, the volume, or the timing is wrong for us, we say so on the call.
- 03
A sized proposal within two days
One agent, an outcome we agree on, a price tied to it. Design-partner terms if you qualify.