Autopilot Starter
For companies around $1–5M in revenue
$149/month
Billed monthly
- Up to 150 open invoices
- AI follow-ups from your Gmail or Microsoft 365 AR inbox
- Reply reading and sorting
- Promise-to-pay tracking
- Payment links
- Weekly cash report
Early access · Now onboarding founding customers for January 2027 go-lives
Cull the overdue. Keep the customer.
Cullektor (say: collector) connects to the accounting system you already use, from QuickBooks Online and Xero to NetSuite and Sage Intacct, and works every open invoice until it’s paid. An AI agent sends polite, persistent follow-ups from your own AR inbox, reads every reply and tracks promises to pay. A trained collections desk takes the calls, disputes, short payments and missing POs.
- Read-only connection to your books for the X-Ray
- Sent in your name, from your mailbox
- Flat monthly fee, never a cut of what you collect
app.cullektor.com / receivables
RIVERSIDE MECHANICAL · SAMPLE DATA
Receivables
Overdue 30+ days
$184,22012 invoices culled this wkDSO
46 days↓ 7 daysPromised to pay
$62,90011 promises this weekAging
$412,380 open
Current1–3031–6061–9090+
| Customer | Amount | Next step |
|---|---|---|
| Northgate Property MgmtINV-20481 | $12,480.00 | Desk: missing PO |
| Calder Schools DistrictINV-20455 | $8,150.00 | Promise · Fri |
| Bexley Medical OfficesINV-20433 | $4,320.00 | Follow-up #2 sent |
| Harlan Freight LLCINV-20412 | $27,900.00 | ✓ Paid · culled |
Illustrative product preview. Company names and figures are sample data.
Works with the books you already keep.
- QuickBooks Online
- Xero
- NetSuite
- Sage Intacct
- FreshBooks
- Zoho Books
- and more
The problem
Reminders aren’t the hard part. The replies are.
Most accounting software can send a reminder. The money that stays late is stuck on a reply someone has to deal with: “we need a PO number”, “send your W-9”, “wrong contact”, “we paid last week”, “the amount is wrong”. That work lands on an owner or an office manager who already has a day job.
59%
of US small businesses have invoices overdue by 30 days or more, up from 47% a year earlier.
$17.7K
is the average amount owed to businesses that are waiting on unpaid invoices.
39%
of owners say a single late payment made it hard to cover payroll or bills in the past year.
Source: QuickBooks 2026 Small Business Late Payments Report (Intuit QuickBooks survey of US small business owners).
How it works
Live in a week. You stay in control the whole time.
- 01
Connect your books
Sign in to QuickBooks Online, Xero, NetSuite or the accounting system you use, in a few minutes. Your free AR X-Ray shows aging, DSO, your slowest payers and what’s likely to come in this month.
- 02
Approve your playbook
Pick the tone, timing and sequence. Exclude any customer. Set amount thresholds that always need a human. Nothing goes out until you approve the templates.
- 03
The agent follows up
Emails go from your own AR mailbox in Gmail or Microsoft 365, with the invoice and a payment link attached. Replies come back to your inbox and are read and sorted automatically.
- 04
People handle the exceptions
Disputes, short payments, missing POs and “already paid” go to the collections desk (or to your team on Autopilot) with the full history attached.
- 05
Payments land with you
Customers pay you directly, as they do today. Your accounting system records the payment, the invoice drops off the list, and you get a weekly cash report.
The product
An AI agent for the volume. A human desk for the judgment calls.
Software alone sends reminders. An AR hire costs about $50K a year in salary before benefits (BLS median for bookkeeping and accounting clerks). Cullektor gives you both halves of a working AR function for a flat monthly fee.
AI collections agent
Follows up on every invoice, on time, every time.
- Sends from your inbox. Customers see your name and your address, not a vendor’s. Replies come back to you.
- Reads every reply. Sorts responses into categories such as promise to pay, dispute, missing PO, needs W-9, wrong contact, already paid and out of office, then takes the next step.
- Tracks promises to pay. Logs the date and amount, and follows up the morning after a promise is missed.
- Flags disputes early. Anything that looks like a disagreement stops the sequence and goes to a person.
- Approval mode. Start with a human approving every message, then switch on automatic sending when you’re comfortable.
- Statements and weekly cash report. One email every Monday: what came in, what’s promised, what’s stuck and why.
INV-20481 · NORTHGATE PROPERTY MGMT · SAMPLE
Invoice INV-20481 for $12,480.00 is 14 days past due
Hi Dana, a quick note that invoice INV-20481 for the March HVAC service at 1200 Lake St ($12,480.00) was due on the 2nd. The invoice is attached and you can pay by ACH or card here: pay link. Could you let me know when it’s scheduled?
Hi, we can’t process this without a PO number. Please resend with the PO.
Agent
Classified: Missing PO. Sequence paused. Sent to the collections desk with the work order and customer history.
Thanks Dana. I’ve attached the corrected invoice with PO 7731-B, which we found on the signed work order. Is it ready for your Friday check run?
Got it, approved. It will go out Friday.
Promise to pay
$12,480.00 due Friday logged. If it isn’t received, a follow-up goes out Monday at 9:00 AM.
Illustrative thread. Names, addresses and amounts are sample data.
Human collections desk
We cull the 90+ column.
The oldest balances are usually stuck on a dispute, a missing PO or a wrong contact. That’s work for trained AR specialists, not software. Included in Autopilot + Desk. Specialists work 8am to 5pm US Eastern, Monday to Friday, use your playbook, and act in your company’s name. Every exception is answered within 4 business hours.
Calls to business lines
Polite, professional calls to AP departments when email stops working.
Disputes
Collect the facts, loop in your team on the decision, and record the outcome.
Short payments
Find out why an amount came in low and agree the next step with the customer.
Missing POs & paperwork
Find POs, W-9s and certificates of insurance, and resend corrected invoices.
Supplier portals
Upload invoices to Coupa, Ariba and similar AP portals your customers require.
Contact discovery
Find the right AP contact when the person on file has left.
Integrations
Works from the books you already keep.
Cullektor connects to your accounting system through its own secure sign-in. QuickBooks Online connects natively, and other systems connect through direct and partner integrations. You don’t export spreadsheets, change your invoicing or move your customers to a new portal.
- What we read: customers and contacts, open invoices, credit memos and payments.
- What we don’t do: edit your ledger, create journal entries or touch your bank accounts.
- Sync: when your accounting system records a payment, follow-ups for that invoice stop.
- Field service & MSP tools: if ServiceTitan, ConnectWise, HaloPSA or similar software syncs invoices into your accounting system, we work from those invoices.
- Disconnect any time from inside Cullektor or from your accounting system’s app settings.
WORKS WITH
- QuickBooks OnlineNative integration
- XeroPlanned for launch
- NetSuitePlanned for launch
- Sage IntacctPlanned for launch
- FreshBooksPlanned for launch
- Zoho BooksPlanned for launch
- Using something else?Tell us yours
We’re pre-launch. QuickBooks Online is our native integration; the other systems are planned for launch through direct and partner integrations, and we’ll confirm availability for your system before you sign up. Also connects to Gmail and Microsoft 365 for sending. Product names are trademarks of their owners and are used only to describe compatibility; we are not an official or certified partner of any of them.
ROI calculator
What would faster collections be worth to you?
Enter your own numbers. The result is an estimate based on the assumptions shown, not a promise. Your free AR X-Ray uses your actual accounting data.
Estimate
Estimated cash freed up
$219,178
From bringing DSO down from 55 to 45 days: about $21,918 of sales per day, times the days saved. This is a one-time improvement in cash on hand, not new revenue.
Overdue AR collected sooner (60 days)$62,500
Overdue invoices to work today100
Staff hours of follow-up per month33 hrs
Autopilot + Desk, per year$15,000
Illustrative estimate only. Results depend on your customers, terms and invoice quality. Defaults are example inputs, not customer results. Daily sales = annual revenue ÷ 365.
Get the real numbers from your booksPricing
Flat monthly fees. Never a percentage of what you collect.
We never touch your money, so we never take a cut of it. Pay annually and get 2 months free.
Autopilot Growth
For companies around $5–15M
$349/month
Billed monthly
- Everything in Starter
- Up to 500 open invoices
- Multiple companies
- Statement runs
- Dispute queue
- Slack and Teams alerts
Agent + people
Autopilot + Desk
For teams with no AR person, or an overloaded one
$1,250/month
Billed monthly
- Everything in Growth
- Human collections desk, 8am to 5pm US Eastern, Monday to Friday
- Calls, disputes, short payments, missing POs
- Remittance matching and portal uploads
- Exceptions answered within 4 business hours
- Monthly review call
Desk Plus
For companies around $15–30M
$2,250/month
Billed monthly
- Everything in Autopilot + Desk
- Up to 1,500 open invoices, 3 companies
- A named, dedicated specialist
- Cash application support
- Customer-portal billing submissions
Self-serve 14-day trials open in February 2027. Join the list and we will set you up first.
Free
AR X-Ray
Connect your accounting system read-only and see your aging, DSO, slowest payers and an estimate of what’s collectable in the next 30 days.
$2,500one-off
AR Recovery Sprint
A fixed-fee, 30-day push on everything 31 to 120 days overdue: clean contacts, resolve disputes, full report. Half the fee is credited if you move to a Desk plan.
$59per client company
Bookkeeping & accounting firms
Run collections for your clients from one dashboard, in each client’s name. You set the resale price.
For bookkeepers & fractional CFOs
Your clients already ask you to “chase a few invoices.”
Offer AR follow-up as a service without adding staff. One dashboard across every client, messages sent in each client’s name, and a human desk for the messy accounts.
- $59per client company per month, minimum 5
- 5 freeclient companies for your first 60 days
- Youset the resale price and bill your client
- 20% offDesk plans for your larger clients
Security & compliance
Straight answers about your data and your customers.
We’re an early-stage company and we’d rather tell you exactly where we stand than show you badges we haven’t earned. Last updated October 2026.
Least-privilege access
The AR X-Ray connects read-only. Autopilot reads customers, invoices and payments, and does not edit your ledger. You can disconnect your accounting system at any time.
Encryption and logging
Data is encrypted in transit (TLS) and at rest. Staff accounts use multi-factor authentication, and access to customer data is logged.
Your data doesn’t train AI models
Your financial data and your customers’ emails are used only to run your account. They are never used to train AI models.
The people on the desk
Desk specialists work from a secure office in India, working US Eastern hours. They sign confidentiality agreements, are background-checked and work only inside our controlled tools.
SOC 2 status
In progress SOC 2 Type 1 readiness is under way. We are not yet SOC 2 audited and will publish the status here when that changes.
A data processing agreement (DPA) is available on request: hello@cullektor.com.
We never handle your funds
Customers pay you directly through the payment methods you already use, such as QuickBooks Payments, Stripe, ACH or check. Cullektor never receives, holds or moves money.
We collect as your AR team, in your name
- Every message is sent from your mailbox, under your company name, using templates you approve.
- We work business-to-business invoices only, before they are placed with an agency.
- Flat fees only. No contingency, no percentage of collections.
- We are not a collection agency and don’t buy or take assignment of receivables.
- We don’t contact consumers or homeowners, and we don’t send SMS.
- Invoices over 120 days old or in legal dispute go back to you to decide the next step.
My accounting software already sends reminders. Why would I need this?
Built-in reminders in QuickBooks, Xero and similar tools help with customers who simply forget. The money that stays late is usually stuck on a reply: a missing PO, a wrong contact, a dispute, a request for paperwork, or “we already paid”. Cullektor reads those replies and acts on them, and the desk handles the ones that need a person.
Will this annoy my customers?
We cull old balances, not relationships. You approve every template and the tone. Messages come from your own mailbox and read like they were written by a careful AR person. You can exclude or pause any customer with one click, and anything sensitive goes to a human.
Do emails come from you or from us?
From you. The agent sends through your own Gmail or Microsoft 365 AR mailbox, so customers see your company, not Cullektor, and replies land in your inbox as usual.
Are you a collection agency?
No, despite the name. Cullektor (say: collector) is about collecting what you’re owed the way your own AR team would. We work as part of your own accounts-receivable team, in your company’s name, on business-to-business invoices before they go to an agency. We charge flat fees and never take a percentage. We never receive or hold payments. Invoices over 120 days old or in legal dispute go back to you.
Where is the collections desk based?
Our specialists work 8am to 5pm US Eastern, Monday to Friday from a secure office in India, working US Eastern hours. They follow your playbook and sign confidentiality agreements, and every exception is answered within 4 business hours.
What does the agent do with a large or sensitive invoice?
You set thresholds. For example, any invoice over $10,000 can require human approval before a message goes out. Disputes, legal language and “already paid” replies always go to a person.
Why the name Cullektor?
Say it “collector”. To cull is to clear out what no longer belongs, and in AR that means the overdue balances. We cull the 90+ column of your aging report and never the customer relationship: every message is polite, sent in your name, and anything sensitive goes to a person.
Is my accounting system supported?
QuickBooks Online connects natively. Xero, NetSuite, Sage Intacct, FreshBooks and Zoho Books are planned for launch through direct and partner integrations. Using QuickBooks Desktop or something else? Tell us which system you use in the early-access form and we’ll prioritise it, and we’ll confirm what’s available for your system before you commit to anything.
How long does setup take?
The X-Ray takes about two minutes. A full go-live, with your playbook approved and your mailbox connected, usually takes about a week, and we start in approval mode so a person signs off on every message at first.
Is there a contract?
Autopilot plans are month to month. Desk plans have a minimum term that we agree with you up front. Annual prepay gets 2 months free.
Can I try it before I pay?
Yes. The AR X-Ray is free. Self-serve 14-day trials open in February 2027. Join the list and we will set you up first.
Get started
Your aging report, culled.
See what’s stuck in your receivables, and why. Request a free AR X-Ray, book a 20-minute demo, or join the list for self-serve trials. Now onboarding founding customers for January 2027 go-lives.
- AR X-Ray: aging, DSO, top late payers and an estimate of what’s collectable in 30 days.
- Demo: a walkthrough on sample data, or on your own X-Ray.
- Prefer email? hello@cullektor.com