BUSINESS TOOLS · FIRST MONTH FREE

ZulBlue AI
Credit Controller

Unpaid invoices quietly drain your business. The ZulBlue AI Credit Controller watches your ledger around the clock, drafts professional payment reminders, fact-checks every word against your real data, and gets them sent — with your team always in control. ZulBlue is dedicated to business automation solutions, and this is credit control on autopilot.

Start Free Month See How It Works
24/7
Invoice monitoring & automated sweeps
9
Deterministic fact-checks on every draft
3
Autonomy levels — you choose the control
100%
Of actions recorded in the audit trail
What It Is

Your AI credit control department

Chasing late payments is repetitive, awkward, and easy to postpone — so invoices age and cash flow suffers. The AI Credit Controller is a dedicated AI agent that does the chasing for you: politely, persistently, and without ever getting a number wrong.

It never forgets an invoice
A background worker sweeps your invoice ledger continuously, recomputes what is overdue, applies your grace period and reminder cadence, and queues the right follow-up at the right stage — every day, without being asked.
It writes like your best staff member
The AI drafts each reminder in a professional, firm-but-fair tone shaped by your settings — your payment instructions, your sender identity, your escalation stages. Threatening language before the final stage is automatically blocked.
It proves itself before it sends
Every single draft is checked by a separate, non-AI validation engine against your database: amount, invoice number, due date, days overdue, recipient, and more. If any fact is off, the draft is held for a human. AI creativity never touches your numbers.
How It Works

From overdue invoice to money in the bank

A simple flow your whole team can understand — with a safety gate before anything leaves the building.

1
Bring your invoices in CSV Import
Upload your invoice and debtor data via a simple CSV import. Direct connections to accounting platforms such as Xero and QuickBooks are on the roadmap, so your ledger will sync automatically.
2
The agent monitors, 24/7 Automated Sweep
The system continuously recalculates which invoices are overdue and applies your policy: grace period, reminder cadence, minimum amount, and any debtors you have excluded (with the reason logged).
3
AI drafts the reminder Credit Agent
The AI writes a stage-appropriate reminder — first nudge, follow-up, or final notice — using your tone settings, your payment instructions, and knowledge of the specific invoice. It also declares an honest confidence score for its own work.
4
Bulletproof validation gate 9 Fact-Checks
Before anything can be sent, a deterministic (non-AI) engine re-verifies every fact in the draft against your database — amount, invoice number, due date, days-overdue claim, no references to other invoices, collectible status, valid contact, no premature threat language, and sensible length.
All checks pass ✓The draft moves forward with its validation report attached.
Anything fails ⚠The draft is held for human review — it can never auto-send.
5
Your team approves — or safe autopilot sends Autonomy Ladder
You choose the autonomy level. At Level 1 a human reviews everything. At Level 2 routine first reminders auto-send only when all validators pass, confidence meets your threshold, and the amount is under your cap. Final notices always require a human — at every level.
6
Sent from your own email Your Identity
Reminders go out through your own email account (per-business SMTP, credentials encrypted), so debtors see a message from your company — not from a third-party tool.
7
Everything logged, and the AI learns Audit + Learning
Every draft, decision, edit, approval, and send is written to a permanent audit trail. When your team edits a draft before approving it, the correction is captured and fed back to the agent — so it writes more like you with every invoice.
Control

The Autonomy Ladder — you set the pace

Trust is earned. Start with full human review, and raise the autonomy level only when the agent has proven itself on your real invoices. Only the account owner can raise the level; any admin can lower it instantly.

Level 1
Human reviews everything
The AI drafts, your team reads, edits, and approves every message before it goes out. The default for every new business.
  • Every draft individually approved
  • Edit before sending
  • Perfect for your first weeks
Level 2
Routine reminders on autopilot
First-stage reminders send automatically — but only when every condition is met. Everything else still comes to your team.
  • All 9 fact-checks must pass
  • Confidence above your threshold
  • Amount under your configured cap
  • Valid email on file, zero guardrail flags
Level 3
Full cadence autonomy
Early and mid-stage reminders run hands-free under the same strict conditions. Your team focuses only on escalations.
  • Stages 1–2 automated
  • Final notices always human-approved
  • Every auto-decision audit-logged with reasoning
Everything You Get

Built for real businesses, not demos

Every feature below is live in the product today.

Policy-driven reminders
Set your grace period, reminder cadence, minimum chase amount, tone of voice, and payment instructions once — the agent follows your policy on every invoice.
Human-in-the-loop drafts desk
A dedicated drafts screen where your team edits, approves-and-sends, or rejects each reminder, with duplicate-draft protection and clear stage transitions.
Fact-checked AI, guaranteed
Nine deterministic validations re-check every draft against your ledger. The AI can never send a wrong amount, wrong date, or someone else's invoice reference.
Debtor exclusions with audit reasons
Pause chasing for a key client or a disputed account in one click — the reason is recorded, so your team always knows why someone isn't being contacted.
Role-based team access
Owner, Admin, Reviewer, and Viewer roles with enforced permissions, strong password rules, and automatic lockout after repeated failed sign-ins.
Your email, your brand
Per-business SMTP with a built-in test-send — reminders arrive from your company's address, and credentials are stored envelope-encrypted, write-only.
Admin Control Center
A full GUI for daily operations: live system health, staff management, email setup, module toggles, and an audit-trail explorer. No technical skills needed.
A learning agent
Every human edit is captured and fed back to the AI as style guidance — the agent adapts to how your business communicates over time.
Permanent audit trail
Who did what, when, and why — every login, setting change, draft decision, and auto-send (with the agent's reasoning) is permanently recorded.
Security & Trust

Your financial data is locked down

Credit control means handling your most sensitive numbers. The platform is built security-first, with isolation enforced at the database level — not just in application code.

Ask us anything about security
  • Database-enforced tenant isolation. Row-level security is forced on every business table — your data is invisible to any other business, by the database engine itself.
  • Encrypted credentials. Email and integration credentials are envelope-encrypted and write-only — they can be used by the system but never read back out.
  • Strict access control. Default-deny authentication on every page and API, role-based permissions, forced first-login password change, and lockout on repeated failures.
  • AI kept on a leash. The AI never executes actions directly — a deterministic gate validates facts, checks thresholds, and logs the reasoning behind every automated decision.
  • Owner-gated autonomy. Only the business owner can increase automation; any admin can reduce it instantly if something ever feels off.
On The Roadmap

Where it's heading next

The Credit Controller is under active development. Planned upgrades include:

Xero & QuickBooks connections Sage, Zoho & FreeAgent Payment links in reminders Promise-to-pay tracking Debtor risk scoring Weekly receivables digest Multi-language reminders Statement attachments Send-window scheduling
Get Started

Stop chasing. Start collecting.

ZulBlue is a dedicated platform for business automation — and unpaid invoices are one of the most expensive things left un-automated in most businesses. Start today and use the AI Credit Controller free for your first month, or contact us with any questions before you begin.

Or message us directly on WhatsApp. We reply within one business day.