CSM · Cashflow Smart Management

Turn overdue invoices into cash.

CSM turns your receivables into one prioritised work queue — calls, promises, payment plans, settlements and disputes — with AI that predicts who will pay and shows why. It connects to the ERP you already run, or loads from a file.

Free plan · no card required · workspace live in minutes

Already have a workspace? Sign in

Inovbi CSM live
1 queue
Every overdue account becomes a case, ranked by amount, age and risk — with the reason spelled out.
9 AI models
Trained on your own collection history only, and every prediction explained.
Any ERP
Odoo, SAP S/4HANA, Salesforce, Dynamics 365, NetSuite, any REST/OData API — or a file.

What's inside CSM

Built around a collector's day.

One cohesive product, not a module menu: cases, promises, plans and settlements, all on one worked queue.

Collection cases & work queue
Every overdue account becomes a worked case — assigned, prioritised by amount, age and risk, and tracked end to end.
Payment promises
Log a promise to pay, then track kept vs. broken automatically — a broken promise raises the case's priority on its own.
Payment plans
Split a balance into scheduled installments, record each payment as it lands, and flag a missed one the moment it's overdue.
Settlements
Negotiate a discounted payoff with a built-in requester/approver split, an expiry date, and payment confirmation before a case closes.
Disputes
A genuine billing dispute is tracked separately from simple non-payment, so collection pressure never lands on the wrong case.
Escalation & legal
Configurable rules auto-escalate high-risk or long-overdue cases — through to a tracked legal case, with costs and outcome.
Reminders by email, SMS and letter
Dunning scenarios send the right reminder at the right time, and formal letters go out as PDFs — in English, French or Arabic.
Manager & executive dashboards
Team workload, recovery rate, aging distribution and promise-to-pay performance — real numbers, drawn straight from the queue.

AI that shows its work

Know who will pay — before you call.

Statistical models trained on your own collection history, inside your isolated database. Every score comes with its reasons in plain words — never a black box.

Who to call first

Each morning the queue is ranked by amount, age, risk, broken promises and last contact — and every rank lists its reasons.

Will the promise be kept? Will the invoice be paid?

A probability on every open promise and invoice, with the factors that push it either way — from the debtor's own track record.

Collection risk and expected cash

A 0–100 risk score that flags debtors riskier than their stored rating, and the cash you can expect over the next 30 days.

Works with your ERP

Keep your ERP. Add collections on top.

CSM reads customers, invoices and payments from the system you already run — read-only, on a schedule, nothing re-entered and nothing written back.

Odoo SAP S/4HANA Salesforce Microsoft Dynamics 365 NetSuite Any REST / OData API CSV / Excel files File server (SFTP) Database Inovbi ESM

How it works

From overdue list to cash collected, without an IT project.

Connect your receivables

Link your ERP or load a file. Customers, invoices and payments arrive on a schedule, mapped field by field.

Work the queue

Collectors open the cases ranked for today, log calls, take promises and set up payment plans — reminders go out on their own.

Collect, measure, improve

Aging, DSO, recovery and forecasts update as the team works, and the AI models retrain on what really happened.

Why CSM

What changes when collections leave the spreadsheet.

Spreadsheets and email CSM
Overdue invoices tracked in a spreadsheet, updated by hand.
Every overdue account is a case in one worked queue, synced from your ERP.
Who to call first is a guess.
A priority score ranks the queue and lists its reasons.
Promises live in someone's notes — a broken one is noticed late.
Promises and payment plans are tracked, and a broken one is flagged automatically.
Collections reporting is a monthly export.
Aging, DSO, recovery and forecasts update as the team works.

Built to be trusted

Your business, your data, your control.

Isolated by design

Every company runs in its own dedicated MySQL database — not a shared table with a tenant column.

You own your data

Your operational data stays in your database. Forecasts and analytics are trained and scoped to it and nothing else.

Read-only on your ERP

CSM only reads from your ERP. Its credentials are stored encrypted, and nothing is ever written back.

Actively maintained

A modern architecture with continuous updates and straightforward upgrades — no version you get stranded on.

Need an ERP too?

ESM — Enterprise Smart Management

If you're also looking for an ERP, ESM runs sales, purchasing, stock, finance, manufacturing and the back office in one console — with forecasting and exception alerts built in. CSM syncs from it natively, and companies using both save on collections.

See the 19 ESM modules

Sell

Sales & Commercial Management
Quotation to cash: customers, products, pricing, stock, orders, deliveries, invoicing.
Sales Planning
Targets, forecasting and sales-rep performance.
Customer 360
Unified 360-degree view of a customer, built on top of Sales data.
Customer Service
Helpdesk ticketing with SLA policies, assignment, escalation and CSAT; a knowledge base; and field-service orders that dispatch a technician and issue spare parts from stock. Requires Sales.
Customer Portal
A self-service portal for your customers: browse the catalog at their contract prices, place orders (through the same Sales order engine), and see their order history and invoices. Requires Sales.

Buy & stock

Purchasing
Procure to pay: suppliers, purchase orders, receiving, and supplier invoices. Requires Sales.
Material Management
Material master, categories, units, batches and serial numbers.
Warehouse Management
Warehouses, stock movements, physical inventory and scrap.
Logistics
Transportation management: a carrier directory, shipments with a full tracking-event history, and delivery confirmation. Shipments can be raised from a sales delivery. Requires Sales.

Make

Manufacturing
Bills of material, plants and work centers, and manufacturing orders from material issue through production confirmation. Requires Sales.
Quality Management
Product quality lifecycle: specifications, inspection lots and execution, quality decisions, stock quarantine, non-conformities, CAPA, supplier quality, customer complaints and certificates. Requires Purchasing and Manufacturing.
Maintenance
Enterprise asset management: an equipment register, preventive-maintenance plans that raise work orders automatically, and corrective/inspection work orders with spare-part issue from stock and MTBF / MTTR reporting. Requires Sales.

Run the company

Finance
Double-entry general ledger: a fiscal calendar, a configurable chart of accounts, manual journal entries with post / reverse, and a trial balance. Subledger auto-posting of sales & purchasing invoices comes with the module. Requires Sales.
Human Resources
The employee person-master with organisation structure, skills and employment contracts, plus time & attendance and recruitment. Requires Sales.
Projects
Project management and professional services: projects, phases, tasks and milestones; billable time and expenses; project profitability; and invoicing through the Sales engine. Requires Sales.

Steer

Operational Intelligence
Live exception detection, KPI monitoring, and recommendations across every module you have installed.
ML / AI Engine
Risk scoring for customer payment, stockout and sales-decline exposure, each score backed by the real evidence behind it and cutoffs you control per tenant — never a black-box number. A recommendation inbox surfaces churn risk, cross-sell and stock alerts as they're found, for a person to accept or dismiss, never to act on its own. Requires Sales.

Other

Executive
Executive dashboard, signatures and signing delegations.
Workspace administration
Users, roles, modules, settings, API keys and audit — workspace administrators only.

Start collecting with CSM this week.

Create your workspace in minutes, connect your receivables, and work your first cases. No commitment, no credit card.