AI Agents for Receivables and Payables in Business Central
Smarter Cash, End to End
Two AI finance agents that shorten the cash cycle inside the system your finance team already run with a human approving every action.
For most mid-market companies, the biggest untapped source of cash is not a new customer or a new credit line — it is the working capital already sitting inside the finance system. Receivables age a few days longer than they should. Orders ship to customers who were already slipping. Early payment discounts quietly expire. None of it shows up as a crisis; all of it shows up in the cash position.
The reason is rarely capability. It is capacity. A finance team of a handful of people cannot re-read every customer’s payment behavior each night, risk-check every sales order at the moment it is entered, reconcile every short-pay against every return, and re-rank every vendor invoice against its discount window. So, the work gets done by list order and by whoever shouts loudest — and the cash cost of that is invisible.
This is exactly the work that AI agents do well: high-volume, rules-and-judgement work on data the business already owns. Kasadara has built two such agents directly on Microsoft Dynamics 365 Business Central — CollectSmart for receivables and PayAdvisor for payables. Together they cover both ends of the cash cycle. Neither of them moves money on their own.
CollectSmart — Bring cash in faster, and stop bad debt before it starts
CollectSmart scores every customer nightly on how they behave, not on the credit limit set years ago. That single change reorders the collections day around risk instead of alphabet, and it moves the intervention point upstream — from chasing an overdue invoice to questioning the order before it ships.
Pillar 1
Credibility Scorecard
- A live 0–100 risk score for every customer, refreshed nightly from payment behavior
- Collections effort goes to the riskiest exposure first, not to list order
- A measurable lever on DSO without adding headcount
Pillar 2
Pre-Sale Guardian
- Risk-check the customer at the moment a sales order is entered
- Warns the rep before goods ship to an account that is already slipping
- Recommends prepayment where the margin does not cover the risk
Pillar 3
Dispute Matcher & Promise Tracker
- Matches short pays to returns and drafts the credit memo for review
- Reads “we’ll pay by Friday” out of email replies and holds the reminder
- Alerts AR the moment a payment promise is broken
Pillar 4
Executive Escalation
- Personalized reminder emails handle routine accounts
- High-risk VIPs become a CFO task with a prepared phone script
- An 8 AM Teams briefing on the day’s top five risk accounts
PayAdvisor — Pay smarter, and stop paying for the privilege
On the payables side the arithmetic is unforgiving and usually unexamined. A 2% discount for paying twenty days early is worth roughly 37% annually, far above almost any cost of capital a mid-market business carries. Those discounts are not a clerical slip; it is one of the most expensive recurring decisions in finance, and it is usually made by default because nobody had time to look.
Pillar 1
Smart Payment Run
- Ranks vendor invoices by due date, discount value and cash impact
- Decides who to pay now and who can safely be deferred
- Drafts the payment journal in Business Central, ready for approval
- Flags long-overdue payables to the AP head before they become calls
Pillar 2
Early Pay Discount Capture
- Surfaces every early-payment discount worth taking
- Weighs the discount against the cost of releasing cash early
- No worthwhile discount expires unclaimed again
Pillar 3
Vendor Scorecard
- Compare prices across vendors for the same items
- Ranks each vendor on price, quality and on-time delivery
- Recommends the best-value supplier and flags the unreliable ones
Pillar 4
Invoice Capture
- Reads incoming invoices automatically — no manual keying
- Extracts vendor, dates, line items, amounts and tax
- Creates the purchase invoice in Business Central, ready to review
Why this land where other AI pilots stall
Native to Business Central. The agents read and write inside the ledger your team already uses. There is no second system to reconcile, no data warehouse to build first, and no new interface for finance to learn. The output of an agent is a Business Central document — a scored customer, a credit memo, a payment journal — sitting where it is normally reviewed.
Human-approved by design. Every consequential action is a recommendation until a person approves it. Finance reviews and releases the payment journal; AR approves the credit memo; the CFO decides how to handle the VIP account. The agents change what your team sees and when — not who is accountable.
PII-safe and auditable. Customer and vendor data stays governed within the platform, and every recommendation carries its reasoning and its trail — which is what makes the model defensible to an auditor and, just as importantly, trusted by the team using it.
What we suggest leadership do next
The honest test of an AI finance agent is not a demonstration; it is a fortnight against your own ledger. Pick the number that hurts — days sales outstanding, bad-debt write-offs, or discounts forfeited last year — and let the agents run on your data in advisory mode, recommending but not acting. If the recommendations are ones your team would have made with unlimited time, you have your answer. If they are not, you have learned that cheaply.
Kasadara Technology Solutions works with finance leaders running Dynamics 365 Business Central to deploy CollectSmart and PayAdvisor, starting with a focused assessment of where cash is currently leaving the cycle.
