Ferrata AtlasSign inBook a demo

Atlas by Ferrata Labs

Receivables, end to end. Worked by agents.

Atlas onboards new customers, rates every account’s credit, keeps invoices and payments in step with SAP, NetSuite or Dynamics, and follows up every balance with agents that email, text and call on the sequence you set, until it’s paid or properly closed.

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LiveAcme Industries · Atlas
Northwind FoodsSMSStandard follow-up

Hi Alicia, it’s Morgan from Acme. INV-88412 for $12,840 is due Friday. Pay here: acme.pay/r/8k2f

Approved for Thursday’s run.

Thanks. I’ll hold reminders until Thursday.

Promise recorded · Thursday

  • Westbrook InteriorsAttorney file packaged · awaiting release
  • Pioneer AlloyRating 61 → 72 · limit raised to $60,000
  • Summit Ridge Builders3-part plan agreed · first part paid

Illustrative

  1. 01Origination
  2. 02AI credit rating
  3. 03Servicing
  4. 04Collections
  5. 05Recovery

01Origination

New customers, onboarded before the first invoice.

Credit applications come in by email or a link. Atlas reads the W-9, the trade references and the financials, fills the application, checks it against your credit policy, and sets terms in the ERP once it's approved.

02AI credit rating

Every account rated on how it actually pays.

A rating from 1 to 100 built from each customer's own history with you: days to pay against terms, promises kept, disputes, short payments, returned payments. Higher is better and earns more credit. Re-rated nightly, with the reasons shown and a credit limit recommended alongside.

03Servicing

Invoices and payments, kept in step with the ledger.

Invoices sync from SAP, NetSuite or Dynamics. Statements go out on schedule. Payments from the bank, the portal and payment links are matched to the right invoices and applied, with low-confidence matches held for a person.

04Collections

Every balance followed up by the right agent.

Accounts move between agents as their situation changes: standard follow-up, then collections, then promise to pay. Each agent has its own sequence, channels and tone, and works by email, SMS and phone inside contact hours.

05Recovery

Disputes, plans and the last mile, on the record.

Disputes resolved with the evidence attached. Payment plans agreed within your terms. Balances that never resolve go to Charge-off & Legal, where every step waits for a person and the attorney gets a complete file.

New customerCredit application · Lakeshore PackagingReading
  • W-9Read · EIN matched
  • Trade references3 of 3 confirmed
  • Financial statementsFY2025 · revenue, margins read
  • Resale certificateValid in 4 states
Legal name
Lakeshore Packaging LLC
EIN
36-•••4417
Requested limit
$50,000
Terms
Net 30
Credit policy
Within policy
Ready for approvalTerms set in NetSuite once approved

Illustrative data

What Atlas does

Agents that do the receivables work, end to end.

Each view below is Atlas doing the work, live, on illustrative data. Pick a tab to see the channels, the workflows, the automations, the reporting and the platform underneath.

To alicia@northwindfoods.com
Subj Two open invoices

Hi Alicia, two invoices are open:

INV-88412 · $12,840 · due Sep 30

INV-88044 · $35,370 · due Sep 23

Writing…Opened

Email agent

Writes, sends and answers email, listing every open invoice with a payment link.

Two invoices are past due. Pay: acme.pay/r/8k2fcan we do friday?Done. I’ll send the link Friday morning.
SMS agent

Short nudges and payment links to opted-in AP contacts, and quick answers.

KWKen WatanabeConnected 0:14
Recording disclosed · AI identified
Voice agent

Calls, verifies the right person, negotiates within limits, leaves voicemail.

PO 77317 invoice linesMatched
Document agent

Reads remittances, POs, proof of delivery, contracts and credit applications.

Processing…Receipt sent to Alicia
Payment agent

Payment links, plans and promises, and matching payments to the right invoices.

Inside contact hoursConsent on fileAI disclosure includedNot paused by a disputeCleared to send
Compliance agent

Checks every message and call before it goes out.

Illustrative data

Build your own

Agents built by picking options, live the moment you activate them.

Choose the triggers, channels, tone, cadence, contact hours and what waits for a person. Preview the email, SMS and call, then activate. The next account that matches moves into it from wherever it is; every open account sits in exactly one agent.

Question 3 of 10 · Triggers

Which events should move an account into this agent?1Card declined2ACH return or bounced check3Promise date passes unpaid4Short payment received5Credit rating falls below 25

The agent so far

Name
Promise to pay
Comes in on
Card declined · ACH return · Promise broken
Channels
SMS · Email · Voice
Tone
Direct
Cadence
Daily around the promised date
Waits for a person
A second broken promise
15 days past duePromise madeDispute · short payBroken · card declined90 days past duePaid in fullUnresolved at 90 daysStandard follow-up4 open · $87,360Collections3 open · $355,600Promise to pay3 open · $220,850Dispute & deductions2 open · $30,630Charge-off & Legal1 open · $19,870

Connects with

Works on the systems you already run.

Atlas reads and writes your system of record directly. Connections are configured when your instance is deployed.

SAP S/4HANAERP
Oracle NetSuiteERP
Microsoft Dynamics 365ERP
Bank feedsDeposits, returns
Microsoft 365 and GmailAR inbox
SMS and voiceOutbound channels
Card and ACH paymentsPayment links
SalesforceAccount owners
SnowflakeReporting

See it on your own receivables.

Thirty minutes. Bring your aging report, and we’ll show you how Atlas would have worked it this week.

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