Finance

Get Paid OS

A debtor risk and chase engine: fuses Companies House, Gazette and Creditsafe signals to score every invoice by age and company distress, routes the highest-risk debtors toward invoice finance across a 105-lender panel, and drafts the chase message — a human approves it before anything sends.

Live pilot — full engine opening to the waiting list

The risk board runs live today. Join the list for the full chase-and-finance workflow as it opens.

Positioning

Credit control in most SMEs runs on invoice age: the oldest bill gets chased first, regardless of whether the debtor behind it is a slow-paying but sound business or a company that filed a winding-up notice last month. That order is backwards. The business about to fail should be chased and, where it makes sense, factored before the safe-but-slow one, and nobody has time to check every debtor's Companies House status, Gazette filings and CCJ record by hand before deciding who to call first. Get Paid OS does that check on every debtor, automatically, and re-orders the queue by what it finds.

What it does

Four steps, one debtor book

01
Signal fusion
Pulls company status, overdue accounts and confirmation statements, charges and insolvency history from Companies House; winding-up and liquidation notices from The Gazette; and CCJs from Creditsafe — against every debtor on the book.
02
Risk scoring
Fuses invoice aging with those distress signals into one score per debtor, banded critical, urgent, chase or watch, so the queue is ordered by who's actually at risk, not just who's overdue longest.
03
Finance routing
Critical and urgent debtors are auto-routed toward invoice finance across a 105-lender panel, surfacing the factoring option before the debt goes further into arrears.
04
Chase drafting
Drafts the chase message for each debtor, matched to the risk band — nothing sends until a human ticks it. No AI-authored message reaches a client without approval.

Outcomes

Scoped against the role and the recurring task it replaces:

The credit controller's Monday chase list
Every debtor ranked by real risk before the aging report is even opened.
The company search before a chase call
Companies House, Gazette and Creditsafe checked automatically on every debtor, not just the ones that already look risky.
The factoring conversation that happens too late
Debtors flagged for invoice finance while there's still working capital to protect, not after the debt is written off.

How it works

Data in
The business's own debtor book, plus free live signals pulled from Companies House, The Gazette and Creditsafe on every company in it.
The board scores it
Aging and distress are fused into one risk score and band per debtor, refreshed live rather than run as a batch report.
A human approves
Chase messages and finance referrals are drafted, never sent, until someone at the business ticks them off.
Evidence is kept
Every signal behind a score carries its source and its weight, visible on hover, so the business can see exactly why a debtor was flagged.

Proof

The risk board is live now: attoh.tech/get-paid — Companies House, Gazette and Creditsafe fusion running against a real debtor book, refreshed on load, with OTTO invoice-finance routing already wired to the 105-lender panel. The waiting list above is for the full chase-and-approval workflow as it extends beyond the pilot board.

Who it's for

SMEs and the accountancy practices that run their credit control — any business with a debtor book big enough that chasing by invoice age alone means the wrong companies get called first, or the right ones don't get called until it's too late.

FAQs

Where do the risk signals come from, and are they accurate?
Companies House, The Gazette and Creditsafe — the same free public-record sources a credit controller could check by hand, fused automatically instead of one company at a time. Every signal on the board shows its source and its weight on hover.
Does a chase message ever send without approval?
No. Every chase draft and every invoice-finance referral is gated to a human tick. The engine ranks and drafts; the business decides what goes out.
Is our debtor data shared with anyone, including the lender panel?
No. Nothing is shared with a lender until a debtor is approved for a finance referral, and only then with the business's sign-off. Contact details are never exposed on the public board.
How does onboarding work?
Try the live board at attoh.tech/get-paid today, then join the waiting list below for the full chase-and-approval workflow, which connects your own debtor book and invoicing data instead of the demo set.
Does it integrate with our invoicing or accounting software?
The debtor book can be connected from an export today; direct integration is part of what the waiting list unlocks as the full workflow opens.

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