Solutions

Collections first. An ERP if you need one.

CSM gets overdue invoices paid, on top of the ERP you already run. If you are also looking for an ERP, ESM covers operations and the back office — and CSM syncs from it natively. Try either live below — no signup, no card.

CSM · our lead product

Cashflow Smart Management

Accounts receivable follow-up and debt recovery, worked like a queue, not a spreadsheet.

  • Debtors, invoices and payments come from your ERP — Odoo, SAP S/4HANA, ESM and others — or a file, nothing re-entered.
  • Cases are ranked by amount, age, risk and contact history, with the reason spelled out.
  • Payment plans, settlements, disputes and legal escalation all live on one queue, with AI that predicts who will pay and explains why.
workspace · csm-demo live
The CSM collector queue: suggested priority today, with a plain-language reason for each case. The CSM executive dashboard: aging distribution and top overdue debtors. A payment plan on a CSM case, with each installment tracked to paid or missed.
total receivables
67,301
20 invoices
90+ days overdue
28,511
oldest bucket
top priority score
85
95 days · never contacted

RSM · CSM for banks and lenders

Recovery Smart Management

Loan collection and recovery for banks and lenders — from the first missed instalment to the court.

  • The loan book comes from your core banking system every day: days past due, IFRS 9 stage, regulatory class and provision on every loan.
  • Late loans flow into the CSM collection engine — queues, dunning, promises, settlements, legal cases and agencies.
  • Restructuring with four-eyes approval and probation, and contact limits, consent, vulnerable customers and complaints enforced.
workspace · rsm-demo live
days past due
daily
every loan, every night
IFRS 9
S1 · S2 · S3
with provisions
repayments
waterfall
fees · penalty · interest · principal
workspace · inovbi-demo live
The ESM Sales dashboard: pipeline, quotations, orders and billing KPIs. The ESM module catalog — every installable module in one workspace. The ESM customer list, with credit limits and status at a glance.
pipeline
28
-2 this week
customers
15
+2 this week
sales orders
9
+7 this week

ESM · need an ERP too?

Enterprise Smart Management

One console for sales, operations and the back office — with forecasting and exception alerts built in.

  • For companies also looking for an ERP: sales, purchasing, stock, finance, manufacturing and more, installed module by module.
  • Dashboards and forecasts read straight from the same database every module writes to.
  • CSM syncs from it natively, and companies running both save on every CSM cap.