Cash flow forecasting
AVA predicts when cash will land, based on how each customer actually pays, so you can see shortfalls weeks ahead instead of days.
Meet AVA
The AI accounts receivable agent that works like your best AR team. And thinks like your CFO.
AVA, Chargezoom's Autonomous Virtual Accountant, runs your entire AR function, from invoice to reconciled cash, and acts as a strategic accounting partner. Tell AVA the outcome you want, approve the plan, and watch it happen.
AVA
Collections · Apex Supply
Holding the reminder to Apex Supply until Tuesday.
Why, from Payment GraphNetwork patterns put the chance of payment at 87% if we send then, vs. 41% today.
Invoice #4821$18,400 · 12 days past due
Chance of payment87% Tuesday vs. 41% today
A full AR team in one AI agent.
A traditional AR department needs several people to cover the full cycle, and every one of them clocks out. AVA covers every role, around the clock, without taking a day off.
| Role on a traditional AR team | What AVA does |
|---|---|
| Billing specialist | Presents every invoice through the right channel at the right moment, with a branded pay link |
| Collections specialist | Runs intelligent dunning, writing every follow-up from scratch and timing it to when each customer is most likely to pay |
| Payments coordinator | Accepts card, ACH, and eCheck through a self-service portal, with saved payment methods in a PCI compliant vault |
| Dispute resolution | Works through disputes, short pays, and customer questions until they close, escalating only what truly needs you |
| Cash application | Matches every bank deposit to its invoice and posts it to your ERP, continuously |
| AR manager | Prioritizes accounts, sets strategy, and reports on performance against your goals |
| Financial analyst | Forecasts cash flow, flags risk early, and builds custom reports and complex spreadsheets on request |
One agent. Every role. Every day of the year.
Every action is a decision, not a rule.
Before AVA sends a single email, AVA works through the same questions your best AR manager would, for every customer, every time.
- 1
Read the account.
Invoice history, open balances, past conversations, disputes, and how this customer has paid you.
- 2
Look beyond your data.
AVA draws on Payment Graph, a payment intelligence network spanning 22M businesses, to understand how this customer is likely to behave. Payment Graph is accessible only to AVA and is never disclosed.
How Payment Graph works - 3
Choose the best next action.
Who to contact, through which channel, when, what to say, and which payment option to lead with.
- 4
Explain the why.
Every action comes with the reasoning behind it, so you can approve or adjust in seconds.
- 5
Learn from the result.
AVA tracks what worked and refines the next decision, with no manual tuning.
AI makes AR efficient. Intelligence makes it effective.
Don't delegate tasks. Give AVA a goal.
Most software waits for you to click. AVA takes direction the way a senior hire would. Describe the outcome in plain English, and AVA builds the plan, brings it to you for approval, executes it, and tracks progress on a custom dashboard.
We need $400K of 60+ day receivables collected before our credit line renews on March 31.
Here's my plan. Projected collections by March 31: $415K. Approve?
Plan: $400K by March 31
Approved- Prioritize the 14 accounts holding 82% of that balance.
- Offer 3-payment plans to the 5 accounts showing elevated risk.
- Escalate 2 disputed invoices to you with a recommended resolution.
- Lead with ACH for accounts that prefer it.
$268KCollected to date
$415KProjected vs. $400K goal
12 of 14Accounts on track
More goals AVA can own
- "Cut DSO from 52 days to 35 by end of Q2."
- "Move our top 50 customers from check to ACH."
- "Make sure we can cover payroll on the 15th without drawing on the line."
Oversight mode or autonomous mode. Your call.
AVA does the legwork either way. You decide how much AVA does before checking with you, and you can set it per customer, per action type, or across the board.
| Area | Oversight mode | Autonomous mode |
|---|---|---|
| Built for | CFOs and Controllers who want the final say | Teams ready to hand off AR entirely |
| What AVA does | Prepares every email and action, then queues it for approval | Executes within the rules and limits you set |
| Your role | Approve, edit, or reject in one click | Review results on your dashboard |
| Context | Every item explains why AVA recommends it | Every action is logged with the why behind it |
| Good for | Getting started, key accounts, sensitive situations | Routine invoices and follow-ups at scale |
Mix and match. Most teams start in oversight mode, then move routine work to autonomous mode once they trust the results, while keeping key accounts and large balances in oversight.
Context with every action"Sending a firmer second reminder to Northwind. They opened the first two emails but haven't paid, and accounts with this pattern respond best to a direct payment link. Approve?"
- Full audit trail
- Role-based approvals
- Spending and discount limits
- PCI DSS compliant
No templates. No robot speak. Your voice.
Customers ignore templated reminders because they can tell. AVA writes every message from scratch for the customer receiving it, in the language and personality you choose. It sounds like your company, because you decide how AVA talks.
Same situation, three voices: an invoice 10 days past due
To: Dana · Invoice #4821Written by AVA · Friendly
Hi Dana, hope the quarter's off to a great start! Quick nudge on invoice #4821 for $6,200. Here's a one-click link whenever you're ready.
Set a default voice, adjust it for key accounts, and AVA keeps the tone consistent across every message, in every language you need.
More than an AR team. A partner who sees what's coming.
Cash flow is the number one problem in business. AVA doesn't just collect it; AVA helps you plan for it, protect it, and explain it.
Proactive action plans
When AVA spots a problem forming, like a key customer slowing down or a cash gap before payroll, AVA brings you a plan to fix it before it hits.
Custom reports on request
Ask for an aging analysis by region, a collections forecast for the board, or a complex spreadsheet of at-risk accounts. AVA builds it in minutes.
"Build me a 13-week cash forecast with best and worst case, and flag which customers drive the difference."
AVA handles the work. Your team drives the results.
Your finance team doesn't disappear. It levels up. AVA takes over the chasing, matching, and copying, around the clock, so your people can focus on the work that needs human judgment.
| AVA handles | Your team focuses on |
|---|---|
| Every invoice, reminder, and follow-up | Setting goals and approving plans |
| Payment acceptance and reconciliation | Key customer relationships |
| Routine disputes and questions | Complex exceptions and negotiations |
| Forecasts, reports, and spreadsheets | Decisions about cash, credit, and growth |
Inside the systems you already use. Live in minutes.
AVA works natively inside QuickBooks, NetSuite, Sage Intacct, Dynamics 365, and more. No migration, no new system to learn, and no exports. Connect your ERP and AVA starts working from your open invoices the same day.
- QuickBooks
- NetSuite
- Sage Intacct
- Dynamics 365
- And more
Questions about AVA
What is an AI accounts receivable agent?
An AI AR agent is software that does the work of an AR team on its own: sending invoices, following up on payments, accepting payments, resolving disputes, and reconciling cash. Unlike a chatbot or assistant, it takes action and owns results.
What does AVA stand for?
Autonomous Virtual Accountant.
How does AVA decide when to follow up with a customer?
AVA combines the customer's history with you and payment patterns from Payment Graph to choose the moment, channel, and message most likely to get paid.
Can AVA see my customers' data from other companies?
AVA uses anonymized, tokenized payment patterns from Payment Graph to make better decisions, but never sees or discloses any company's details. Your data is never shared, and you can opt out of contributing to Payment Graph.
Can I review what AVA sends before it goes out?
Yes. In oversight mode, every email and action waits for your approval, with AVA's reasoning attached.
Can I change how AVA sounds?
Yes. You set AVA's language and personality, and can adjust it for individual customers.
Can AVA create reports and forecasts?
Yes. Ask in plain English for cash forecasts, aging analyses, or custom spreadsheets, and AVA builds them for you.
Hire the AR team that never sleeps.
Trusted by thousands of businesses. Live in minutes inside the ERP you already use.