Late payment is the quiet killer of UK SMEs, and the invoice you are politely waiting on today could belong to a client who is already heading for administration. Most finance teams only find out when the payment never arrives, the director stops answering, and a winding-up notice appears weeks too late to act on. Chasing by hand is awkward, inconsistent, and easy to postpone when the day gets busy. This AI credit control workflow, which is built in n8n and connected to Xero, Companies House and The Gazette, chases every overdue invoice with the right tone at the right moment and warns you when a client shows signs of financial distress.

What You Get:

• A fully automated n8n workflow connected to your accounting SAAS account that tracks every invoice from issue to payment
• AI-written payment reminders that escalate in tone across a sequence you approve, which moves from a friendly nudge to a formal notice citing statutory late payment interest
• Smart tone matching that softens the approach for long-standing clients and firms up for repeat late payers
• Continuous monitoring of every client on Companies House, which includes overdue accounts, director resignations, charges registered, and changes of registered office
• Automatic alerts when a client appears in insolvency notices published in The Gazette
• A client risk score that combines payment behaviour with company health signals and is written back to each contact in Xero
• A weekly cash flow and risk briefing that is sent to the owner or finance lead, which lists money due, money at risk, and recommended actions
• Full documentation, a recorded walkthrough and a 30-day tuning and support window after launch

The Benefits to You:

• Cash arrives sooner because the staff always remembers and processes overdue invoices before the end of the month.
• Client relationships stay intact because each reminder fits the history and value of that account
• Persistent late payers receive firm, professional pressure without anyone on your team having to feel awkward
• You see the warning signs of a failing client months earlier, while there is still time to tighten terms or stop supply
• Insolvency news reaches you immediately, which gives you the best chance of recovering what you are owed
• Every account manager can see a client's risk level before agreeing to new work or extending credit
• Owners gain a clear weekly view of cash and exposure without building spreadsheets or chasing the accounts team

Place your order or get in touch to book a scoping call, and please have your Xero plan details, your current payment terms, and a rough outline of how you chase invoices today ready.