ACE – A Root-Cause Accounts Receivable Solution
ACE improves cash flow by fixing the real reasons receivables get stuck: weak payment terms, contract non-compliance, and slow collections execution. We optimise agreed payment terms, enforce on-time payment in line with the contract, and run daily collections for all invoices — not only financed ones. When needed, ACE also offers true non-recourse factoring (no recourse), so you can sell only the invoice volume your cash-flow situation requires.
Eliminate root causes first — finance only when needed
ACE is built to remove the operational causes of late payments and cash being tied up. If root-cause fixing alone is not sufficient, you can also use true non-recourse factoring as a flexible add-on.
ACE – asiakas-saatavien juurisyihin pureutuva ratkaisu
ACE-palvelu on ainutlaatuinen, koska se keskittyy juurisyiden poistamiseen, ei oireiden lieventämiseen. Ensisijaisesti parannamme yrityksesi kassavirtaa optimoimalla sovitut maksuehdot ja varmistamalla, että asiakkaat maksavat ajallaan ja sopimusten mukaisesti.
Toissijaisena keinona tarjoamme aidosti non-recourse factoringin, jossa laskut ostetaan ilman takaisinsaanto-oikeutta. Tämä ei ole perinteinen maksullinen rahoituslimiitti, vaan joustava malli, jossa voit myydä laskuja vain sen verran kuin kassavirta kulloinkin vaatii.
Asiakassaatavien hallinta ja perintä on työläs ja päivittäistä huomiota vaativa prosessi. ACE poistaa tämän taakan hoitamalla perinnän kaikkien laskujen osalta – ei vain rahoitettujen laskujen.
- ✓Ensisijainen ratkaisu: maksuehtojen optimointi + sopimuksen mukainen maksaminen
- ✓Toissijainen ratkaisu: joustava non-recourse factoring, kun sitä oikeasti tarvitaan
- ✓Perintä kaikille laskuille: ei vain rahoitetuille — päivittäinen prosessi ulkoistettuna
📌 Tuloksena
- ✓pienemmät rahoituskustannukset
- ✓luottoriskin minimointi
- ✓vapautunut työaika taloudellisesti tuottavaan tekemiseen
- ✓kestävästi parempi kassavirta ilman jatkuvaa rahoitusriippuvuutta
ACE – a root-cause solution for accounts receivable
ACE is unique because it focuses on eliminating root causes rather than treating symptoms. Our primary approach is to improve your cash flow by optimising agreed payment terms and ensuring customers pay on time and in line with the contract.
When fixing root causes alone is not sufficient, we also provide true non-recourse factoring, where invoices are purchased without any right of recourse. This is not a traditional paid financing limit, but a flexible model that allows you to sell only the volume of invoices your cash-flow situation requires.
Managing accounts receivable and collections is a labour-intensive process that requires daily attention. ACE removes this burden by handling collections for all invoices – not only those that are financed.
- ✓Primary approach: optimise terms + enforce contract-aligned payment behaviour
- ✓Secondary option: flexible non-recourse factoring only when needed
- ✓Collections for all invoices: daily execution outsourced — not just financed invoices
📌 The result
- ✓lower financing costs
- ✓credit risk minimisation
- ✓freed-up time for economically productive work
- ✓sustainably improved cash flow without ongoing dependency on financing
Clear positioning
ACE is not “financing-first factoring”. It’s a cash-flow improvement service that starts with better terms and daily contract enforcement — and only adds true non-recourse factoring when your situation requires it.
Common Accounts Receivable Challenges
Extended Payment Terms
Large customers demanding 60, 90-day, or longer payment terms, tying up significant working capital and increasing credit risk
Late Payments
Customers paying late increases cash-flow volatilty, and make forecasting difficult
Sales-Finance Conflicts
Sales teams approving unfavorable terms without understanding the financial impact
Manual Credit Management
Time-consuming manual processes for credit checks, approvals, and collections
Weak Negotiation Position
Lack of data and tools to effectively negotiate shorter payment terms with customers
Bad Debt
Inadequate credit control pro increases credit losses
How ACE Solves These Challenges
ACE automates credit management, provides real-time insights, and empowers your team with data-driven tools to optimize accounts receivable.
Accelerate Cash Inflow by 30+%
Reduce Days Sales Outstanding (DSO) through optimized payment terms, automated reminders, and proactive collections
Reduce Credit Risk by 50+%
Real-time credit monitoring, automated risk alerts, and data-driven credit decisions minimize bad debt exposure
Data-Driven Decisions
Comprehensive analytics on customer payment behavior, credit risk scores, and your company rules
Empower Sales Teams
Equip sales with instant credit guidance, negotiation tools and argumentation, and clear escalation pathways
Save 80+% of Manual Work
Automate credit checks, approval workflows, payment tracking, and collections—freeing your finance team to focus on strategic initiatives
Six Steps to Credit Management Excellence
CapAid ACE transforms credit management into an AI-supported, seamless process that connects credit evaluation, payment term optimization, invoicing, and collections into one intelligent flow.
Know Your Customers
ACE begins with a comprehensive credit evaluation built on external credit scores, verified payment behaviour, and credit need analysis based on annual sales and seasonality.
This provides a precise, data-driven view of every customer's financial reliability and cash flow profile.
→ The result: A clear foundation for smarter credit decisions and targeted risk control.
Negotiate Smarter
Using industry DSO benchmarks, customer DPO data, and your company's cost of capital, ACE enables fact-based payment term negotiations.
Our dynamic credit cost model calculates the real financial impact for each customer — taking into account their credit score, payment behavior, payment term, and actual payment schedules.
→ The result: Faster customer payments, stronger negotiating power, and improved cash flow predictability.
Keep Terms Always Up to Date
ACE provides optimized payment term text for contracts and offers.
Terms can be automatically adjusted whenever a customer's credit score or payment behavior changes — ensuring quick reactions to early risk signals and preventing credit issues from growing.
→ The result: Continuously optimized credit exposure and proactive risk prevention.
Send Invoices Smarter
You simply send all invoices to CapAid, and we forward them to your customers.
This simple setup requires minimal system integration, guarantees accurate payment terms and clear late-payment clauses, and helps preserve customer relationships — since CapAid acts as a neutral third party for invoicing and reminders.
→ The result: Professional, efficient invoicing with minimal IT effort and maximum customer trust.
Collect Faster — 24/7
CapAid's collection process works around the clock, not in weekly cycles.
Our system reacts immediately to overdue payments and sends reminders every day, supported by proactive customer contact. This ensures steady cash flow and professional communication — without damaging customer relationships.
→ The result: Lower overdue balances, fewer write-offs, and faster cash conversion.
Protect and Finance
ACE can include credit insurance to shield you from customer defaults and gives you a factoring option to strengthen liquidity — temporarily or permanently.
→ The result: Stable cash flow and protection from credit losses.
The Transformation: Before & After ACE
Before ACE
- Manual credit approval processes taking days or weeks
- Sales approving extended payment terms without financial oversight
- No standardized credit policies or risk assessment
- Limited visibility into customer payment behavior and credit exposure
- Reactive collections approach leading to high DSO
- Finance team overwhelmed with routine credit tasks
- Inconsistent treatment of customers creating compliance risks
- No data to support payment term negotiations
- Credit decisions based on gut feel rather than data
- High credit losses due to inadequate risk management
After ACE
- Instant automated credit approvals with full audit trail
- Sales equipped with real-time credit guidance and negotiation tools
- Digitalized credit policies enforced consistently across all customers
- Complete visibility with dashboards showing credit risk and DSO trends
- Proactive collections with automated reminders and escalations
- Finance team focused on strategic initiatives, not routine tasks
- Fair, transparent customer treatment ensuring regulatory compliance
- Data-backed negotiation position leading to shorter payment terms
- Risk-based credit decisions using AI-powered analytics
- Credit losses reduced by 50% through early warning systems