AI agent · Accounts receivable
Business Central Collections Agent
Overdue invoices reviewed every morning. Reminders drafted for you. Replies filed. Your collectors only have to decide.
Chasing Payments Is Repetitive. Getting It Wrong Is Expensive.
Someone has to work out who is overdue, what to say to each customer, whether they are already in a dispute, and whether they promised to pay last week. Then read the replies and file them. It takes hours, and one tone-deaf reminder to the wrong customer costs more than it recovers.
The Collections Agent does the preparation inside Business Central. Your people keep the decisions.
Watch: The Collections Agent at Work
A Day with the Collections Agent
1. Morning review
The agent looks at every customer with overdue invoices and picks those that qualify under your collection policy.
2. Drafts with reasons
For each customer it drafts a reminder and records why it chose that step. Where a reminder is not right, it raises an escalation instead.
3. You approve
A collector reads each draft in Collection Review, edits it if needed, then approves or rejects. Only approved reminders are sent.
4. Replies are read
Every hour the agent reads the mailbox and sorts replies into promises to pay, disputes, remittance notices, copy requests or notes. Anything unclear is left for a person.
5. Promises are watched
A nightly job checks promises to pay and escalates the ones that were broken.
6. One home page
The Collections Role Center shows what needs attention today, your own to-do list, and the customers currently being collected from.
Guardrails Built Into Business Central
These rules are enforced by Business Central, not left to the AI.
You set the autonomy
Choose draft only, approval required, or automatic sending for low-risk reminders.
Off-limits stays off-limits
Excluded customers, customers with an open dispute and customers in a do-not-contact period are never contacted.
Only approvers approve
The agent runs with limited rights and cannot approve, reject or resolve anything. It never replies to a customer itself.
Everything is logged
Every draft, skipped customer, sent email and error is recorded in the Agent Log.
What You Need to Get Started
The agent runs inside Business Central, so there is nothing separate to host. Four things need to be in place.
1 · PLATFORM
Business Central online
The agent is an extension for Business Central online and uses your existing customers, ledger entries and collection policies.
2 · AI CONNECTION
NAV SEAL AI Connector
Our shared app installs first. It holds your AI model key, your model choice, spending limits and the usage log.
3 · EMAIL
A Business Central email account
Approved reminders are sent from it. Add a Microsoft 365 mailbox if you want customer replies read and filed automatically.
4 · PEOPLE
Users with the right permissions
A dedicated service user runs the scheduled jobs. Your collectors and approvers get the Collections permission sets.
Offered through our pilot program. We set the agent up with you, measure accuracy and time saved over 30 days, and tune it before you rely on it. Not sure everything is in place? The Agent Readiness Assessment checks it for you.
Collections Agent: Your Questions
What AR managers and controllers ask us first. Have a different question? Book a free call and ask us directly.
Will it email my customers without anyone looking?
Not unless you choose that. By default a collector reads and approves every reminder before it is sent. Automatic sending for low-risk reminders is an option you control, and you can switch it off at any time.
Which customers will it never contact?
Customers you have excluded, customers with an open dispute, and customers inside a do-not-contact period. Business Central enforces this on every draft, so it does not depend on the AI getting it right.
How does it decide what to say to each customer?
It works from your collection policy and the settings on each customer card, then drafts the reminder and writes down why it chose that step. Your collector sees the reasoning next to the draft and can edit or reject it. Where a reminder is not the right step, it raises an escalation instead.
What happens when a customer replies?
The agent reads the reply and files it as a promise to pay, dispute, remittance notice, copy request or note. Anything unclear is left for a person. The agent never answers the customer itself. Your collector replies from the reply card in Business Central.
How are promises to pay and disputes handled?
Clear promises and disputes are registered against the customer. A dispute puts the entry on hold so it is not chased, and a nightly job watches every promise and escalates the ones that are broken.
Can we see what the agent did and why?
Yes. The Agent Log records every draft, every customer it skipped and why, every email sent and every error. Each draft also carries the agent’s own rationale.
Does it replace my collectors?
No. It removes the sorting, drafting and filing so your collectors spend their time on the conversations that need judgment, and the approval stays with them.
Take it to your team
A two-page overview of the Collections Agent — the three agent modes, the safeguards Business Central enforces, how customer replies are handled, and what the pilot program involves.
See the Collections Agent on Your Own Process
Book a free call and we will show you the agent and tell you honestly whether it fits how you collect today.