Meet your
AI Credit Controller.
Predicts payouts. Paid on Autopilot.
You aren't a zero-interest lender. Recoup-IQ is your AI Credit Controller that predicts payout dates and chases invoices 24/7 on autopilot. By automating the manual work of a human credit controller, it removes awkward talks and unlocks Instant Invoice Financing to secure your cash flow today.
Research Insight
The average UK small business is holding £21,400 in overdue invoices right now (Intuit 2025). Get your cash back securely.
Forensic Authority Engine
Our Statutory Asset Recovery Discovery platform is built on a foundation of deep legislative research and boardroom-grade forensic intelligence. Access restricted to internal Sentinel Guardians.
The March 2026 'Time to Pay Up' Mandate
SBC Enforcement: Multi-Million Pound Fine Vectors
Statutory Interest Accumulation (1998 Act) v2.4
The 30-Day Dispute Firewall: Statutory Acceptance Protocols
Retroactive Audit Methodology: Recovering 6 Years of Interest
UK HMRC Offset Protocols via Statutory Discovery
Corporate Governance: Board-Level Accountability (2026)
The Ethics of Forensic Late-Payment Recovery
Automated Adjudication: The End of County Court Delays
Construction Retentions: The New Statutory Ban (Proposal)
Statutory Asset Recovery: Boardroom Integration Strategies
Discovery Sentinel v1.0: Cloud-Based Enforcement Logic
Accessed by 14,208 compliance officers this month.
The March 2026 Mandate Fleet
Industrial-grade information on the 'Time to Pay Up' reforms. We monitor the 24 March legislative threshold to ensure your recovery is always unassailable.
Statutory Asset Recovery Discovery Intelligence Fleet
Partners & Infrastructure
Google Gemini
Google Cloud
Vercel
Stripe
Clerk
Google Gemini
Google Cloud
Vercel
Stripe
Clerk
Finance & Funding Partners
Supported Accounting Systems
Built for your business
Supporting 100+ UK Professions with Custom Invoicing
From Friction to Freedom
Floating client debt shouldn't be your full-time job. See how life shifts when you put your invoice recovery on Autopilot.
The Old Normal
The Friction & Anxiety
Send invoices, then cross your fingers
The perpetual cycle of "polite" chasing adults for money you earned months ago.
Accidental Zero-Interest Lender
Funding large client operations with your personal cash flow while bills stack up.
Damaged & Awkward Rapport
Stressing that asking for what you are owed kills the relationship for the next gig.
Sunday Afternoon Admin Debt
Subtracting hours of your weekend trying to reconcile bank statements and reminders.
Standard baseline for 60% of modern freelancing.
The New Normal
The Automated Relief
AI handles polite, persistent following up
Reminders trigger on autopilot using full UK statutory alignment. You don't lift a finger.
Paid on Demand, No Excuses
Get 24-hour invoice financing support directly through dashboards. No client wait times.
Professional Relationship Guarded
Empathy layers ensure client rapport is standard, compliance keeps it purely corporate.
Focus strictly on your craft
Zero admin debt or reconciliation stress. Your weekend stays your weekend.
Get Paid. Keep the Client.
Most freelancers fear losing a client by asking for money. RecoupIQ turns an awkward conversation into a professional, collaborative process.
Zero-Judgment Discovery
Our AI starts with an empathetic check-in. Audited studies on 3,500 consumers show debtors feel 36% less stressed and ashamed when admitting cash-flow issues to an AI vs. a human.
The 'Good Cop' Shield
You get to stay the creative hero. RecoupIQ plays the polite, professional intermediary entirely in the background, absorbing all the friction.
Empathy-as-a-Service
If they need help, our system automatically offers dynamic payment plans and pauses nudges to give them breathing room. Infinite patience, zero frustration.
Frictionless Settlement
Instead of demanding payment, offer them a Triver payment plan. You get paid 100% now, they get 3 months to pay. Everybody wins.
The Result? 85% Recovery Without Friction.
See the Relationship Guard in ActionGet Your Recovery Health Score
3 questions, 10 seconds. See your likelihood of recovery and relationship risk score instantly.
Ready to Audit
Enter your details for an AI assessment
How to Recover Unpaid Invoices in 3 Steps
From overdue invoice to payment received — automated late payment recovery for UK freelancers
1. Connect & Protect
Connect your bank or upload an invoice. We instantly apply the Late Payment Act Shield, setting professional expectations from day one.
2. Zero-Judgment ML Nudges
Our Machine Learning model acts as an objective intermediary. By removing the "human ego" from the interaction, audited studies prove debtors feel 36% less stressed and are far more likely to agree to a payment plan without ruining your relationship.
3. Effortless Settlement
Clients pay via one-click links. Need a hand? Use Single Invoice Factoring or Selective Invoice Finance to get paid today — absolutely no more playing bank. You get your money now.
What are my rights for late payments in the UK?
Under the Late Payment of Commercial Debts (Interest) Act 1998, UK businesses have a statutory right to claim interest (8% above the Bank of England base rate) and fixed compensation fees (£40-£100 per invoice) on overdue commercial debts. Recoup-IQ automates this process to ensure you recover what you're legally owed effortlessly. Calculate your statutory fees and compensation instantly →
Why RecoupIQ is the Smarter Choice
Traditional debt collection is broken. We built a system that protects your cash flow without costing your reputation.
RecoupIQ
Collection Agencies
Solicitors
UK B2B Late Payment Recovery Built for Freelancers
Built to solve the commercial B2B cash flow problems UK sole traders and agencies actually face.
Multi-Channel Credit Control
Email, SMS, and AI voice calls — your automated credit controller chases across every channel with escalating urgency over 60 days. No more awkward conversations.
Easy Payments
Clients pay via Stripe with one click. Bank transfer, card, or Apple Pay — whatever works for them.
UK Tax Ready
Generate tax reports, track expenses, and calculate late payment interest according to UK law.
Simple, Transparent Pricing
Start free. Upgrade only when you need more.
FreeAlways Free
Perfect for solo freelancers
£0
No credit card required
- 10 collections/month
- Unlimited email + 20 SMS/month
- 2 AI voice calls/month
- Late Payment Interest Calculator
- Invoice financing eligibility
Pro
For serious freelancers
£19/month
- Unlimited invoices
- 30 Intelligent recoveries/month
- Unlimited SMS reminders
- 15 AI voice calls/month
- Advanced analytics
Business
For growing agencies
£39/month
- Unlimited recoveries
- 50 AI voice calls/month
- Physical letters — Paid (£4.99/ea)
- Agency escalation
- Priority support
30-day money-back guarantee. No questions asked.
Cancel anytime. No hidden fees.
With over 62% of UK businesses experiencing payment lag, setting up takes 2 minutes.
Built on real credentials
10+
Years building AI and Financial infrastructure
CII IF7
Insurance & Financial products certified founder
Ltd Co.
RECOUP-IQ LTD · Company No. 16947526 · Registered in England
Recoup-IQ is a registered UK company built on Google Cloud and Vercel Edge infrastructure. We leverage Predictive Machine Learning models and Generative AI for intelligent debt recovery workflows — ensuring your data is handled with the same rigour as enterprise financial systems.
Who’s behind Recoup-IQ?
Recoup-IQ LTD is a UK-registered, digital-native SaaS platform built to automate invoice collections and embedded financing for freelancers and small businesses.
Founded by Alexandru Emanuel Vasile (Founder & Lead Engineer), based in Lincoln, United Kingdom.
Meet the teamFrequently Asked Questions
Tools to help you stay professional.
We give you the templates AND do the chasing for you. Download our research-backed guides to stay protected.
The 'Gentle Nudge' Template Pack
3 polite check-in templates that get results without feeling like a debt collector.
UK Late Payment Rights Guide
A plain-English breakdown of the 1998 Act and how to claim your interest.
Relationship Guard Checklist
How to qualify new clients and set payment terms that stick from day one.
Want our AI to draft your emails for you?
Join 2,400+ freelancers receiving weekly "Polite Payment" tips and templates.
Takes 2 minutes · No card needed
You have unpaid invoices right now.
Add your first one free and let Recoup-IQ start the recovery process today.
Free forever plan · Cancel anytime · Stripe-secured
Our AI drafts custom, empathy-led nudges that keep relationships intact.