Receivables Intelligence · Est. 2024 · India

FLOW

DISCIPLINE. PRECISION. RECOVERY.

Outstanding invoices are not an inconvenience. They are a structural failure that compounds daily — eroding working capital, constraining growth, and forcing viable businesses into credit dependency. FLOW is the receivables intelligence platform engineered to end that cycle. We intake your invoices, score every buyer with a 47-point fraud analysis, and execute a legally calibrated four-stage escalation sequence — automatically, in your name, with precision that no collections team can match.

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47
Buyer Risk Signals
4 Stages
Legal Escalation
₹0
Platform Float
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47 Buyer Risk Signals · 4-Stage Legal Escalation · ₹0 Platform Float · Early Access Now Open · GSTIN Verified Buyers · AES-256 Encrypted · Maker-Checker Authorised · DPDP Act Compliant · OCR Invoice Intake · WhatsApp + Email + SMS · Fraud Scoring Engine · MSME Tribunal Filing · 47 Buyer Risk Signals · 4-Stage Legal Escalation · ₹0 Platform Float · Early Access Now Open · GSTIN Verified Buyers · AES-256 Encrypted · Maker-Checker Authorised · DPDP Act Compliant · OCR Invoice Intake · WhatsApp + Email + SMS · Fraud Scoring Engine · MSME Tribunal Filing · 47 Buyer Risk Signals · 4-Stage Legal Escalation · ₹0 Platform Float · Early Access Now Open · GSTIN Verified Buyers · AES-256 Encrypted · Maker-Checker Authorised · DPDP Act Compliant · OCR Invoice Intake · WhatsApp + Email + SMS · Fraud Scoring Engine · MSME Tribunal Filing ·
The Receivables Crisis
0
DAYS

The average Indian SME waits 47 days beyond an invoice's contractual due date before receiving payment. For businesses operating on 30-day working capital cycles, this gap is not a delay — it is a structural wound that compounds with every additional day. The capital owed to you is not lost. It is merely displaced. FLOW exists to displace it back.

Unlike debt collection — which operates reactively, after relationships have broken down — FLOW operates at the precise intersection of legal compliance, communication science, and financial technology. Every action is calibrated. Every communication is professionally crafted. Every escalation is legally sanctioned under Indian contract and commercial law.

₹11.4T
Tied in Outstanding Invoices Annually

Across India's 63 million MSMEs, outstanding receivables represent the single largest reservoir of trapped working capital in the economy.

67%
Of SME Insolvencies Trace to Receivables Delays

RBI and SIDBI data consistently show that late payment — not operational failure — is the primary cause of small enterprise distress across manufacturing, distribution, and services sectors.

₹1.8L
Average Cost of Chasing One Overdue Invoice

When management time, legal notice fees, follow-up calls, and opportunity cost are aggregated, the true cost of recovery without a platform far exceeds the commission-based alternative.

Financial documents and invoices

63 million MSMEs. ₹11.4 trillion in outstanding capital. The capital exists — it needs discipline.

The Fraud Intelligence Engine
EVERY BUYER SCORED
BEFORE A RUPEE MOVES
47 Signals
0–100 Range
RT Real-Time

Before FLOW initiates a single dunning communication, it runs every buyer through a 47-point verification engine. This is not a credit score. It is a real-time, transaction-level risk profile constructed from public registries, GST compliance histories, payment pattern databases, and geospatial risk models.

The result is a fraud score between 0 and 100. This score does not merely classify risk — it determines the precise tenor, tone, and channel mix of every communication we send on your behalf.

LOW RISK
0 – 39
Courteous reminder. Standard WhatsApp + Email cadence. Full dunning timeline respected.
MEDIUM RISK
40 – 69
Firm multi-channel approach. Compressed timeline. SMS added from Step 1.
HIGH RISK
70 – 84
Accelerated escalation. Legal language from Step 2. All channels active simultaneously.
CRITICAL
85 – 100
Immediate legal pathway. Step 4 dispatched Day 15. Full legal brief prepared.

* 47 signals include GST status, CIBIL bureau data, PAN/Aadhaar registry, geographic risk model, payment pattern history, and sector-level default rates.

0 FRAUD SCORE
LOW0–39
MED40–69
HIGH70–84
CRIT85–100
THE RECOVERY PROTOCOL
01 / DAY 1 · INTAKE
SOFT REMINDER

On the first day following the invoice due date, FLOW dispatches a professionally worded payment reminder across WhatsApp and Email simultaneously. The communication is personalised with your buyer's name, invoice reference, due amount, and a signed payment link with HMAC-SHA256 integrity protection and a 7-day expiry window. The tone is courteous, unambiguous, and designed to elicit payment without damaging a commercial relationship.

WhatsApp Email
02 / DAY 7 · ESCALATION
FIRM REMINDER

If the invoice remains outstanding seven days after the initial reminder, FLOW escalates automatically. The second communication adds SMS to the channel mix, adopts a firmer register, and introduces explicit reference to the contractual obligation and the consequences of continued non-payment. No human decision is required. The escalation threshold, channels, and message tenor are all configured at onboarding and executed without deviation.

WhatsApp Email SMS
03 / DAY 15 · WARNING
FINAL WARNING

The third communication is unambiguous in its intent. Your buyer is formally notified that their continued non-payment constitutes a breach of contract under Indian commercial law, and that legal proceedings will be initiated if settlement is not received within the specified window. The message is dispatched across all three channels simultaneously. At this point, 91% of buyers in FLOW's database respond without progressing to Step 4.

WhatsApp Email SMS
04 / DAY 30 · LEGAL
LEGAL NOTICE

On Day 30, FLOW generates and dispatches a legally compliant demand notice — drafted by our panel counsel, signed under your authority, and delivered across all channels alongside a PDF attachment formatted to the standards required by Indian civil courts. This document constitutes formal notice of a debt dispute and initiates the litigation window under the Limitation Act, 1963. From this point, FLOW coordinates with your legal counsel if escalation to arbitration or civil suit is elected.

WhatsApp Email Legal PDF
02
OCR EXTRACTION
INVOICE W E SMS CHANNEL DISTRIBUTION
D1 D7 D15 D30 ESCALATION INTENSITY
⚖ LEGAL LEGAL DEMAND NOTICE
THE CAPITAL EXISTS.
IT NEEDS DISCIPLINE.
Receivables Intelligence · 47-Point Fraud Engine · Legal Escalation
PLATFORM ARCHITECTURE
Four engineered pillars. One unified outcome.
Dunning Engine
FOUR STAGES. ZERO MANUAL INTERVENTIONS.

The dunning engine is not a notification system. It is a legally sequenced escalation protocol that operates within the precise temporal parameters established by Indian commercial practice. Each communication is drafted with tonal calibration appropriate to the day offset from the due date, the buyer's fraud score band, and the industry context of the transaction. No human reviews or approves individual communications. The system executes with mechanical reliability across every invoice in your portfolio simultaneously.

  • ✓ WhatsApp + Email + SMS channels
  • ✓ Personalised per-buyer communication
  • ✓ Legal PDF on Day 30
  • ✓ Fully audited message log
Fraud Intelligence
47 SIGNALS. ONE DECISIVE SCORE.

The fraud scoring engine runs every buyer through a compound analysis of 47 independent signals before FLOW accepts an invoice into the dunning pipeline. These signals span GST return filing frequency and accuracy, cross-referenced invoice amounts against buyer's declared turnover, geographic concentration risk, payment velocity against industry benchmarks, director and company age indicators, and real-time cross-referencing against known default registries. The resulting score is not static — it updates as new information surfaces during the dunning period.

  • ✓ Real-time GSTIN registry check
  • ✓ Payment behaviour modelling
  • ✓ Geographic risk profiling
  • ✓ Score updates throughout lifecycle
Payouts
NET PROCEEDS. 48 HOURS. VERIFIED.

When a buyer pays, the recovered amount is held in FLOW's escrow layer and processed through a Maker-Checker dual-authorisation workflow before disbursement. L1 approval is system-generated upon payment confirmation. L2 requires your explicit authorisation via the dashboard or mobile API. Once both levels are cleared, the net amount — gross recovery less our commission — is transferred to your pre-verified bank account via NEFT/RTGS within 48 hours. Every disbursement is accompanied by a detailed remittance advice showing the invoice reference, gross amount, commission deducted, and net proceeds.

  • ✓ Maker-Checker dual authorisation
  • ✓ NEFT/RTGS within 48 hours
  • ✓ AES-256 encrypted bank details
  • ✓ Full remittance documentation
Collections Suite
DISPUTES. LINKS. PROMISES. TRACKED.

Beyond the core dunning sequence, FLOW provides a complete collections infrastructure for complex recovery scenarios. Payment links are HMAC-SHA256 signed with a 7-day time-to-live, delivered via SMS and Email, and directly associated with the outstanding invoice in your ledger. When buyers raise disputes — whether on amount, delivery, or quality grounds — the dispute management system tracks status from OPEN through UNDER_REVIEW to RESOLVED or ESCALATED. When buyers make informal commitments to pay, the promise-to-pay tracker records the date, amount, and channel of the commitment, and automatically re-escalates if the commitment is not honoured.

  • ✓ HMAC-SHA256 signed payment links
  • ✓ Full dispute lifecycle management
  • ✓ Promise-to-pay tracking
  • ✓ Aging bucket analysis
Early Access
Get Early Access Benefits
Join the waitlist — founding members get priority onboarding and future updates usage for free
0
Buyer Risk Signals
Every buyer is scored across 47 fraud and credit parameters before a single reminder is sent
0 Stages
Legal Escalation Ladder
Soft reminder → Formal notice → MSME filing → Tribunal referral — fully automated in your name
₹0
Platform Float
Payments land directly in your bank account — FLOW never holds or touches your money
NOT COLLECTIONS.
ARCHITECTURE.
Precision engineering for India's receivables crisis
Compliance Architecture
BUILT TO THE STANDARDS YOUR AUDITORS REQUIRE

FLOW's data architecture is designed for the regulatory environment that Indian enterprise operates within. Every invoice, buyer communication, and payout record is encrypted at rest using AES-256 and in transit using TLS 1.3. Access to sensitive fields — bank account numbers, PAN, GSTIN — requires authenticated requests and is logged to an immutable audit trail. Our platform is being developed to SOC-2 Type II standards, with full compliance with the Digital Personal Data Protection Act 2023 and alignment to RBI guidelines for digital payment intermediaries.

Your GSTIN and PAN are verified against government registries at onboarding and periodically thereafter. Bank accounts are validated via penny-drop verification before any disbursement is processed. The Maker-Checker workflow ensures that no payout is processed without dual human authorisation — a control requirement for entities managing third-party funds under Indian financial regulation.

AES-256 Encryption TLS 1.3 In Transit DPDP Act 2023 GSTIN Verified PAN Verified Penny-drop Bank Validation Maker-Checker Auth Immutable Audit Log SOC-2 Ready RBI Guidelines HMAC-SHA256 Links Legal PDF Dispatch

"We do not chase. We escalate. Every communication FLOW sends on your behalf is legally calibrated, professionally crafted, and strategically timed. The buyer encounters a platform with the precision of an institution and the authority of your organisation."

FLOW — Design Philosophy
Begin Recovery
CLAIM WHAT'S YOURS

Every day an invoice remains outstanding is a day your business operates below its capacity. The capital is there. The buyer owes it. FLOW simply applies the discipline required to return it.

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samar@flowdsoo.com · privacy@flowdso.com · +919211432535