Invoice Collections Platform
Close The
Receivables
Gap.
Multi-channel dunning automation for Indian SMEs. Zero manual effort required.
Platform Overview
FLOW is India's premier B2B invoice collections and dunning automation platform — engineered for the SME that refuses to accept delayed payment as a permanent operating condition.
FLOW does not lend money. FLOW does not buy invoices. FLOW deploys precision automation to collect what you are already owed — aggressively, systematically, and without a single manual action from your team.
The SME uploads an invoice, or connects their accounting software. FLOW executes the entire collections sequence — reminder, follow-up, escalation, and formal legal demand — in the SME's name, on the SME's behalf. When payment arrives, FLOW takes a small commission. If it doesn't, FLOW takes nothing beyond the subscription.
The addressable market. Every one of them carries an overdue receivables ledger.
Across Indian SME segments. Sixty to one hundred and twenty days of cash tied up in unpaid invoices.
From a professional pre-due reminder to a formal legal demand letter — fully automated.
FLOW earns its performance fee only when you get paid. Incentives aligned from day one.
India's 63 million MSMEs operate inside a permanent receivables crisis. Work is delivered. GST-compliant invoices are raised. Buyers acknowledge receipt. And then — silence. Sixty, ninety, sometimes one hundred and twenty days of silence.
Meanwhile, the SME continues to pay salaries, procure raw materials, service loans, and sustain operations — on cash that has not arrived. The gap between what is legally owed and what is actually in the bank is the receivables gap. For most Indian SMEs, it is not a temporary condition. It is structural.
Textile traders in Surat. Pharma distributors in Hyderabad. Engineering suppliers in Pune. Food processors in Delhi. Every one of them holds a receivables ledger full of valid, overdue invoices that are going nowhere. FLOW closes that gap.
The SME does not lack the will to collect. It lacks the infrastructure. Five structural barriers make effective collections impossible without dedicated tooling.
Step 1
FLOW accepts invoices through multiple intake channels, meeting the SME exactly where they already work — with no disruption to existing workflows.
Direct Upload. Upload a PDF or image directly to the FLOW platform. Our AI OCR engine — powered by Groq — automatically extracts invoice number, date, due date, amount, buyer name, GSTIN, line items, and tax breakdowns. Review, confirm, submit. Under two minutes.
Tally Integration. For SMEs on India's dominant accounting platform, invoices flow from Tally into FLOW automatically the moment they are raised. Zero additional action required.
Zoho Books Integration. Webhook-based integration with Zoho Books ensures real-time invoice synchronisation. Raise an invoice in Zoho — FLOW receives it instantly.
Step 2
Before any invoice enters the collections workflow, FLOW's proprietary fraud engine scores it on a 0–100 risk scale. This protects the platform's integrity, shields legitimate buyers from improper collections, and ensures that every invoice FLOW pursues is a genuine, enforceable receivable.
Signals assessed include invoice amount relative to historical averages, buyer GSTIN validity, date logic, duplicate detection, submission velocity, and cross-invoice pattern analysis. A SHA-256 cryptographic hash of the document is recorded at upload — creating a tamper-evident chain of integrity for any future dispute.
Step 3
Once approved, FLOW begins executing a pre-set escalation sequence on the SME's behalf. All communications are dispatched in the SME's business name. FLOW is the engine. The SME is the sender. No manual intervention. No relationship risk on the SME's part.
From a professional pre-due courtesy reminder to a formal legal demand letter — FLOW runs the entire sequence without a single manual action. The SME monitors progress. FLOW executes.
A professional, non-confrontational message is dispatched to the buyer's contact confirming that the invoice is approaching its due date. For invoices below ₹1,00,000, a one-tap UPI payment link (to your registered UPI ID) is included so the buyer can pay instantly. For larger invoices where Razorpay is connected, a Razorpay Payment Link is attached instead.
On the precise due date, FLOW dispatches a clear confirmation that payment is now due. The message reiterates the outstanding amount and includes a live UPI payment link (for invoices below ₹1,00,000) or a Razorpay Payment Link (for larger amounts), with a one-tap payment experience — no ambiguity, no friction.
Three days past due, tone firms. The message acknowledges the overdue status, states the outstanding amount with precision, and requests immediate settlement. A third channel — SMS — is activated at this stage to maximise reach across communication platforms.
Seven days overdue, the message explicitly notes that the matter may be escalated if payment is not received within the next few days. This communicates consequence without aggression — creating urgency while preserving the professional relationship.
Fourteen days overdue, a formal payment demand is dispatched across all three channels simultaneously. This is the last communication prior to the legal step — a final, direct demand for immediate settlement before escalation to a formal legal instrument.
Twenty-one days overdue, FLOW generates and dispatches a professionally structured legal demand letter stating the outstanding amount and invoice particulars, demanding payment within a specified period, and serving notice that failure to pay may result in independent legal proceedings. This is a formal written communication — not a court filing, and not legal action. It is a precisely calibrated instrument: in practice, a formal legal demand letter resolves a significant proportion of stubborn overdue invoices. Most buyers pay at this stage rather than risk litigation exposure. No lawyer engagement required from the SME. FLOW generates and sends it automatically.
Most reminder tools send email. Some send SMS. FLOW deploys WhatsApp, SMS, and email simultaneously from Step 3. In India, WhatsApp is the primary business communication channel. Reaching a buyer on WhatsApp is categorically more effective than email alone. No competitor combines all three in a single automated sequence.
The automated formal legal demand letter at Step 6 is a significant differentiator. No manual intervention. No lawyer engagement required for the initial formal demand. FLOW generates and dispatches it automatically as the final step. This single instrument resolves a disproportionately large proportion of stubborn overdue invoices.
Direct integration with Tally, Zoho Books, Shopify, and Razorpay (via OAuth) means the SME raises invoices the way they always have — and FLOW receives them automatically. Razorpay users can connect via a secure one-click OAuth flow to pull invoices directly and enable Razorpay Payment Links for large invoices. No manual data entry. No disruption to existing workflows.
FLOW does not blindly execute on every submission. The fraud scoring layer ensures the platform cannot be weaponised against parties with no legitimate debt. This protects buyers, protects FLOW's platform integrity, and reduces legal exposure for all parties. Responsible automation, built in.
FLOW earns its commission only on recovery. If the buyer never pays, FLOW earns nothing beyond the subscription fee. This is structurally different from a lending model, where the platform profits regardless of outcome. FLOW succeeds only when you succeed.
FLOW is designed for India's regulatory environment from the ground up — GST-compliant invoice fields, DPDP Act 2023 data handling, Indian Evidence Act document integrity via SHA-256 hashing, and Indian court jurisdiction. This is not a Western product retrofitted for India.
Every dunning communication FLOW dispatches can include a live payment link — no copy-paste, no separate step. For invoices below ₹1,00,000, a UPI deep link is embedded: your buyer's phone opens their UPI app (GPay, PhonePe, Paytm, BHIM) preloaded with your UPI ID and the exact outstanding amount. For invoices above ₹1 lakh, FLOW creates a Razorpay Payment Link through your connected Razorpay account. The amount on all pay pages updates live every 30 seconds to reflect partial payments and accrued interest. Money goes directly to your bank account — FLOW never touches it. We try our best to make this seamless; please note that UPI and Razorpay infrastructure are operated by NPCI and Razorpay respectively, and payment outcomes are subject to their systems.
FLOW operates on a subscription plus performance-commission model. The monthly subscription covers platform access. The commission is charged exclusively on successful recovery — meaning FLOW's performance fee is earned only when your invoice is paid. Commission is tracked in your ledger and collected at month-end.
| Plan | Monthly Subscription | Active Invoices | Max Invoice Value | Commission on Recovery |
|---|---|---|---|---|
| Trial | Free — 14 Days | Up to 10 | ₹10 Lakh | 2% |
| Starter | Monthly Plan | Up to 50 | ₹25 Lakh | 2% |
| Growth | Monthly Plan | Up to 200 | ₹1 Crore | 1.6% |
| Pro | Monthly Plan | Up to 1,000 | ₹5 Crore | 1% |
| Enterprise | Custom | Unlimited | Unlimited | 0.5% |
Billing lifecycle: Day 0 — registration, 14-day free trial begins. Day 15 — first charge processed if upgraded. Monthly thereafter on the same date. If payment fails: automatic retry cycle initiates, 3-day grace period, account halted if unresolved, all active dunning sequences paused, SDK access revoked until resolved.
FLOW is designed from the ground up to comply with India's Digital Personal Data Protection Act, 2023 (DPDP Act). Personal data is collected only to the extent necessary to operate the service. Sensitive financial data — PAN numbers, bank account details — is encrypted at rest using AES-256 encryption and never stored in plaintext.
Invoice data is retained for a minimum of 7 years as required under the GST Act. Users hold the right to request erasure of personal data subject to statutory retention obligations. No SME data, no buyer data, and no invoice data is ever sold to any third party under any circumstances.
A SHA-256 cryptographic hash is recorded for every uploaded invoice document at the moment of upload — establishing a tamper-evident integrity record aligned with the Indian Evidence Act.
Infrastructure & Sub-Processors
What FLOW Is Not