Dunning Management for Small Businesses: Harnessing Krew’s AI Workers for Efficient Collections

Small businesses often face the challenge of balancing growth with cash flow stability. One critical aspect of cash flow management is dunning - the systematic process of communicating with customers to collect overdue invoices. Yet, manual dunning can be time-consuming, inconsistent, and prone to human error. Enter Krew, the AI-driven collections partner designed to transform how small businesses handle past-due accounts.

The Dunning Dilemma for Small Businesses

  • Limited Resources: Small teams wear many hats. Spending hours on follow‑up calls or crafting reminder emails diverts focus from core business activities.
  • Inconsistent Outreach: Varying tones, channels, and timing can confuse customers and erode relationships.
  • Delayed Payments: The longer an invoice remains unpaid, the less likely it is to be collected in full.

To overcome these hurdles, businesses need a systematic, data‑driven approach—one that doesn’t require hiring an in‑house collections department.

Introducing Krew’s Multi‑Day AI Contact Strategy

Krew’s solution centers on a multi‑day AI contact strategy, which spreads outreach intelligently over a series of days, blending different communication channels for maximum impact. Here’s a sample flow:

  1. Day 1: Gentle Email Reminder
    The AI worker sends a polite, branded email reminder within 24 hours of an overdue invoice, including an easy “Pay Now” link.
  2. Day 3: Follow‑Up SMS
    If the invoice remains unpaid, Krew’s system switches to text messaging—leveraging the high open rates of SMS to catch the customer’s attention.
  3. Day 5: Automated Voice Call
    An AI‑powered voice message follows, delivering a human‑like call that reminds customers of their outstanding balance and directs them to pay or request assistance.
  4. Day 7: Escalation & Personalized Outreach
    Finally, for high‑value or long‑overdue accounts, Krew’s orchestration worker escalates outreach—triggering a more personalized email or scheduling a live agent call, based on risk profile and past response behavior.

This cadence ensures consistent, respectful engagement without overwhelming customers - and without constant micromanagement from busy business owners.

The Power of Krew’s AI Orchestration Worker

At the heart of this strategy is Krew’s AI orchestration worker, a decision engine that dynamically selects the best channel, optimal timing, and message tone for each customer interaction. Key capabilities include:

  • Channel Optimization
    By analyzing open and response rates across email, SMS, and phone, the AI worker learns each customer’s preferred communication style.
  • Timing Intelligence
    Leveraging historical payment patterns and engagement data, the system schedules outreach for when customers are most likely to respond - morning texts, afternoon emails, or early‑evening calls.
  • Adaptive Messaging
    The AI adjusts message content in real time, increasing its assertiveness basedona customer's propensity to pay.
  • Risk‑Aware Escalation
    Accounts flagged as high‑risk (based on age of debt or invoice amount) receive an accelerated dunning schedule, while low‑risk customers get a more gradual approach, preserving goodwill.

Together, these features eliminate guesswork, reduce manual oversight, and deliver a seamless experience that feels both personal and professional.

Benefits for Small Businesses

  • Higher Recovery Rates
    Automated, multi-channel follow‑up captures payments that might otherwise slip through the cracks.
  • Time Savings
    Free up your team from routine collection tasks, allowing focus on sales, customer success, and growth.
  • Consistent Brand Voice
    Every reminder - whether text, email, or call—maintains your company’s tone and professionalism.
  • Scalable & Cost‑Effective
    Pay only for the AI service; no need to onboard and train additional staff as your invoicing volume grows.
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