For AR teams on net terms

Predict who'll pay late before they do.

Spot tells your AR team — on the first of every month — which customers are most likely to slip into past-due, which overdue customers will self-cure, and which are about to roll into bad debt. All from your existing ERP data.

ACCOUNT DSO DAYS OVER TERMS AGED BALANCE WATCH FLAGS RISK SCORE PAYER TYPE
Tidy Tiling Co
101118
48d ↗ +5 18d ↗ +8 Slipping 24 · Safe ↘ Declining
Timeless Construction
102307
25d ↗ +6 0d ↗ +11 7 · Safe ↘ Declining
Superior Plumbing
101585
31d ↘ −6 1d ↘ −4 26 · Monitor · Stable
Foundation Electrical
105679
27d ↘ −6 −4d ↘ −5 Likely to slip 36 · Monitor · Stable
Legacy Infrastructure
098543
45d ↗ +7 15d ↗ +10 Heading to bad debt 71 · Risk ↘ Chronically late
Three predictions

The three questions your AR team asks every day — answered.

Refreshed daily from your live ledger. Surfaced where the team already works.

Question 1
Will this customer go past-due?

For every active account, Spot ranks who's most likely to miss their next invoice due date — so your team can intervene before it slips.

Question 2
Will this overdue customer self-cure?

Of customers already past-due, Spot identifies which will pay before month-end. Your team concentrates human chase time on the ones that actually need it.

Question 3
Which overdue customers will roll into bad debt?

Spot flags the past-due customers about to tip into 90+ days — so your team can escalate, offer a payment plan, or start write-off prep earlier.

The math

What Spot would save you.

Tell us four things about your book. We'll show you the savings, the breakdown by lever, and what Spot costs.

$ M

In millions. Billing to trade-credit customers.

accounts

Customers with an open balance, due-this-month, or past-due.

days

Average days sales outstanding across the book.

%

How many of your accounts miss at least one due date in a typical month.

Less wasted chase time $0
Fewer write-offs $0
Cash arrives sooner $0
Estimated saving / month $0
Estimated saving / year $0
Spot cost / month $0
Your ROI
Case study

How a $30M building-supplies distributor saves $11k a month.

871 active trade customers. About 638 of them are past-due at the start of every month — more than 70% of the active book. Spot gives the AR team a day-1 list of who'll slip, who'll self-cure, and who's heading toward bad debt. Same team, sharper targets, less wasted chase.

$11k
Saved per month
12×
ROI on $1/account
638
Past-due customers / mo
In the product

See where your book lands at the end of the month — before it gets there.

Day 1 view. Past-due bars to the left of today, forecast bars in grey to the right. Toggle each cohort. Click any bar to drill in.

FORECAST OUTCOMES BY 31 MAY
Open AR $5.24M today → $3.66M by 31 May
1,000 customers · bad debt (90+) ↑ $189.8k
NET CHANGE
↓ $1.53M
$10M $7.5M $5M $2.5M $0 today 1 May 31 May $3.71M
Current Due Overdue 1–30 Overdue 31–60 Overdue 61–90 Over 90 days forecast (grey)
FAQ

Common questions.

Which ERPs does Spot work with?

Spot reads invoice and payment data from any major ERP — we use a thin ledger feed (no payment-rail integration needed). Onboarding takes days, not months.

· NetSuite · Microsoft Dynamics · SAP · Oracle · Infor · Epicor · Sage Intacct · Sage 200 / 50 · QuickBooks · Xero · Acumatica · Intact iQ · Kerridge K8 · Merlin · Most others
What does it cost?

$1 per active trade account per month. "Active" means customers with an open balance, due-this-month bill, or current past-due. No setup fee.

"AR teams have lived on aged-debt reports for thirty years. Aged debt tells you who's already late — it doesn't tell you who's about to be. Spot is the layer that finally answers that."

Chris Smith
Founder · Spot

See Spot in your book.

Book a 20-minute demo. We'll walk through your data and show you the customers about to slip.

📅 Book a demo