How does the AI voice agent sound?

Our agents use state-of-the-art text-to-speech that sounds natural and professional. Try the interactive demo above and hear it for yourself. Emma will call your phone for a real conversation. The voice adapts its tone based on the situation: warm for friendly reminders, firm for escalations.

Does the AI disclose that it's not a human?

Yes, always. Our agents identify themselves as AI at the start of every call. This ensures full transparency, builds trust with your customers, and keeps you compliant with the EU AI Act and other regulations.

What happens if a customer disputes the invoice?

The agent is trained to handle objections professionally. It can acknowledge disputes, gather details about the disagreement, and escalate to your team when needed. Every interaction is logged with a full transcript so nothing gets lost.

How long does it take to get started?

Most teams are live within 24 hours, not the weeks of onboarding typical of AR platforms. Upload your invoices or connect your accounting software, configure your tone and escalation rules, and Emma begins recovering revenue the same day.

Absolutely. All data is encrypted in transit and at rest with AES-256 encryption. We are GDPR compliant and built on SOC 2 Type II and ISO 27001 certified infrastructure. Your customer data never leaves our secured European infrastructure.

Can I use Dunwise with my existing accounting software?

Yes. Dunwise integrates with popular accounting platforms and also accepts CSV and invoice uploads. A dedicated onboarding specialist ensures you're live and recovering revenue within 48 hours.

Debt Collection Software for Small Business

For a small business, an unpaid invoice is more than just an administrative headache. It is a direct threat to growth. When cash is locked in someone else's accounts payable, you cannot hire, you cannot invest, and sometimes, you cannot even pay your own bills.

The reality for SMBs in 2025 is stark. A significant share of small business invoices are now more than 60 days overdue. In the B2B world, more than half of all invoices are paid late, and a notable percentage of credit sales eventually become bad debt.

The traditional way of handling this, sending endless email reminders or handing accounts over to aggressive collection agencies, is failing. Small businesses need a middle ground: professional, persistent, and automated debt collection software that preserves customer relationships while ensuring you get paid.

The Hidden Cost of Manual Chasing

Most small business owners or office managers spend hours every week chasing payments. That is nearly two full workdays lost to work that has already been completed.

Manual chasing is not only a time sink; it is inconsistent. When things get busy on the job site or in the office, the follow-up calls are the first thing to be dropped. This "sporadic dunning" signals to customers that your payment terms are suggestions rather than requirements.

Why Email-Only Automation Isn't Enough

Many businesses have turned to basic AR automation that sends scheduled emails. While this is better than doing nothing, it has reached a point of diminishing returns.

Inboxes are more crowded than ever. A "friendly reminder" email is easily swiped away or buried under a mountain of other notifications. Email open rates in collections hover between 20% and 40%. That means more than half of your overdue customers might not even be seeing your reminders.

When a customer is struggling with cash flow, they prioritize the vendor who is most present. An email is easy to ignore. A professional conversation is not.

The Shift to AI Voice Collection

This is where the next generation of debt collection software for small businesses is moving. By leveraging AI voice agents, SMBs can now get the effectiveness of a phone call (which has a significantly higher success rate than email) with the scalability of software.

Dunwise provides an AI voice agent that calls your overdue customers for you. This is not a robocall or a pre-recorded message. It is a real-time, professional conversation that adapts to the customer's response.

How it Works in Practice:

Identifies the Blocker: If a customer hasn't paid because they lost the invoice or have a minor dispute, the agent identifies this immediately and routes the information to your team.
Takes Action Mid-Call: The agent can send a link to the invoice or a direct payment link via SMS while the customer is still on the line, resolving the "I'll do it later" bias.
Maintains Professionalism: Unlike aggressive collection agencies that take a large percentage of your recovery and damage your brand, Dunwise acts as a professional extension of your own team.
Structured Data: Every call produces clear outcomes: promise-to-pay dates, dispute reasons, or callback requests, updated directly in your dashboard.

Choosing the Right Software for Your SMB

When evaluating debt collection software, small businesses should look for three key things:

Ease of Use: You shouldn't need an IT degree to start. Look for "no-integration" solutions where you can simply upload your invoices and start collecting.
Relationship Protection: The software should reflect your brand's voice. A firm but professional tone is better for long-term growth than a "nuclear" collection approach.
Actionable Outcomes: Sending reminders is one thing; getting a "Promise to Pay" or identifying a dispute is another. The software should provide data you can actually use.

The Bottom Line

The cost of doing nothing about overdue invoices is too high. With business bankruptcy filings having risen sharply in the last year, protecting your cash flow is a matter of survival.

Modern debt collection software gives small businesses the tools that were once only available to large enterprises. You can now ensure that every invoice, no matter how small, gets the professional follow-up it deserves.

Stop acting as a bank for your customers. It's time to get paid, professionally and persistently.