Burn down your aging balance with intelligent collections
No admin mistakes. Always on time.
Tuned to your business logic to get you paid.
What happens after an invoice goes out
Dunning tools fire the same template on day 30, 45, and 60. Customers learn to ignore it. Monk reads the invoice, the payment history, and the relationship, writes the follow-up that account needs, and works the reply until the cash lands. 24% higher response rate than standard dunning. And it handles the edge cases: the disputes, short pays, and missing POs that cause 39% of the slowdown in cash flow.
Meet Julia, your email collections agent
Julia collects the way your best person would, on every account at once. She reads before she writes, works the reply, and hands off the moment judgment is needed.
Works the back-and-forth
Answers the reply and keeps the thread moving to paid.
Finds the right person
Re-routes when a message bounces or an owner changes.
Files into AP portals
Submits to Coupa, Ariba, and 600+ portals.
Knows when to hand off
Hands to a person with full context when judgment is needed.
Sounds like your team
Rename her, set her tone, from measured to firm.
Writes in context
Reads the invoice, history, and thread, then writes a real message.
Ryan, the voice agent
Voice is the part of collections no software ever automated. For thirty years AR software stopped at the reminder. Ryan is the first voice agent built for collections. When email goes quiet he picks up the phone, handles the call and keeps the invoice moving.
Picks up where email stalls
Opens on the full account history, not a cold script.
Has the conversation
Answers the objection, secures a commitment or books the next step.
Closes the loop
Voicemail, retry on cadence, and a human when judgment is needed.
Working for you around the clock
Adaptive tone
Shifts voice and style to each customer to earn a reply.
Tuned internally
Refined to raise accuracy on your accounts.
Smart queue
Route, approve, or edit any task.
Voice and email
Includes phone verification for bank details.
WhatsApp native
Coming soon.
Real-time events
Coming soon.
Playbooks you control
Every customer is different, so you decide how each one is chased. Set the tone, the pace, and the moment a person steps in, by segment. Playbooks run your outbound and act on every inbound reply.
Set by segment or customer
You decide how each account is chased.
One playbook, applied everywhere
It covers every matching customer automatically.
Nothing slips through
Every reply, promise, and dispute is caught and routed.
If you're in a finance at a fast growing start-up, you should absolutely be using Monk.
Frequently asked questions
What is intelligent collections?
AI agents that run the full collection. They read each account, write the right follow-up, work replies and disputes, and escalate to a person only when judgment is needed.
Who are Julia and Ryan?
Julia is the email collections agent: she reads each account, writes the right follow-up, and works the reply. Ryan is the voice agent: when email goes quiet, he picks up the phone and runs the same playbooks by voice.
Am I still in control?
Yes. You design the playbooks the agents follow: tone, cadence, and when to escalate. Review every draft before it sends or turn on auto-send. Every action stays logged and auditable.
What if an agent gets something wrong?
A deterministic check runs before anything reaches a customer, and anything uncertain is drafted for review instead of sent. If a mistake does get through, the full thread and decision trail are on the record so you can correct it and tighten the rule that allowed it.
How is Ryan different from Julia?
Julia works the written channels: email and portal replies. Ryan works the phone: he calls the right contact, handles the conversation live, and records the outcome. Same playbooks, same judgment on when to escalate, a different channel.
Are calls recorded and compliant?
Calls run inside the same controlled harness as email, with recordings and transcripts kept on the record, and voice follows the same playbooks and escalation rules as written outreach.
Do you use templates?
No. Agents generate each follow-up from the account's context (invoice history, prior replies, promises to pay) rather than advancing a fixed template sequence. Playbooks set the rules; the writing is per customer.
How are replies and disputes handled?
Agents read what the customer actually wrote. A promise to pay pauses follow-up until the date, a question gets answered, and a contested invoice opens a dispute routed to an owner, while collections keeps running on everything else.
Can I control tone and rules?
Yes. Playbooks let your team set tone, cadence, and escalation rules per account tier, and you can change them directly without raising a ticket with our team.
Does it connect to my ERP and CRM?
Yes. Monk syncs customers, invoices, payments, and contacts with your ERP and billing stack (NetSuite, SAP, Sage, QuickBooks, Xero, Stripe, and more) plus CSV where there is no direct connector.
Manual AR is death by a thousand cuts
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