FerrataAtlas

Knowledge Hub

Working capital management software that starts with receivables.

Every open invoice is cash your business has earned and cannot use yet. Most of the working capital a B2B company can free sits in receivables: how long invoices stay open, how many are disputed, and how quickly payments are applied. This guide covers each lever and how Atlas works it.

Where the cash is tied upAging · today
Open receivables$4.82M
DSO47 days
Promised this month$612k
Illustrative data

Where the cash is

Six levers that decide how much cash receivables hold.

01

Days sales outstanding

The average days from invoice to cash. Every day off DSO is a day of revenue returned to the bank.

02

Credit terms

Net 30 against net 60 is a decision about working capital, and it should follow how each customer actually pays.

03

Follow-up

Invoices that nobody chases get paid last. Consistent, personal follow-up moves you up the payment queue.

04

Disputes and deductions

A disputed invoice stops the clock until someone resolves it. Slow resolution holds the whole balance.

05

Promises

A promise to pay is only worth something if someone holds the customer to the date.

06

Cash application

Cash in the bank but not applied still shows as open, and still gets chased.

What to measure

The numbers worth watching every week.

DSO
Accounts receivable divided by revenue, times the days in the period. Track the trend, not one month.
Aging by bucket
Current, 1–30, 31–60, 61–90 and over 90 days. Movement between buckets shows where follow-up is slipping.
Promises kept
The share of promised payments that arrive on the date. A falling rate is an early warning.
Dispute cycle time
Days from a dispute being raised to resolved. Long cycles hide cash that is otherwise good.
Unapplied cash
Payments received but not yet matched to invoices.

How Atlas works each lever

From the first invoice to the last dollar, worked every day.

  1. 01

    Terms that fit

    Atlas rates every account from its own payment history and recommends a credit limit, so terms follow behavior.

  2. 02

    Follow-up that never lapses

    Agents email, text and call every open balance on your sequence, at the times each customer responds.

  3. 03

    Disputes resolved with evidence

    Atlas gathers the purchase order, invoice and proof of delivery and resolves within the limits you set.

  4. 04

    Cash applied the same day

    Deposits and remittances are matched to invoices, with low-confidence matches held for a person.

Measure it yourself

See where your own receivables stand.

The DSO calculator in the Knowledge Hub works from your own receivables and revenue, and shows how each lever could move your days, with every assumption visible and adjustable. Once Atlas is connected, Cash Position tracks your actual DSO, aging and projected cash from your own ledger.

Receivables todaySAP S/4HANA
Open receivables$4.82M
Accounts worked today146
Waiting for a person4
  • Current$2.94M
  • 1–30$1.06M
  • 31–60$434k
  • 61–90$241k
  • 90+$145k
  • Standard follow-up214
  • Collections38
  • Promise to pay17
  • Dispute & deductions9
  • Charge-off & Legal2
  • Done without anyone
  • Payment appliedHarborline Logistics · 7 invoices$58,120
  • Promise capturedOrion Circuit Works · Oct 15$73,100
  • Dispute resolvedBrightway Retail · price confirmed$5,680
Illustrative data

FAQ

Working capital, run end to end.

How can Atlas free up working capital tied up in receivables?

Atlas works every receivables lever at once: it rates each account's credit, follows up every open balance by email, text and voice, holds customers to their promises, resolves disputes with the evidence attached, and applies cash as it arrives, so invoices spend fewer days open.

Which working capital metrics does Atlas track?

Atlas's Cash Position shows running DSO (open receivables against the last 90 days of invoices) with its trend over 12 weeks, days to pay weighted by the amount paid, open receivables by aging bucket (current, 1–30, 31–60, 61–90 and over 90 days) with the invoices behind each, cash collected by week, and a cash projection for the coming weeks. Alongside them: each account's AI Credit Rating, promises made and kept, disputes and payments applied, all from the records it keeps in step with your ERP, one currency at a time.

How does Atlas help set credit terms that protect working capital?

Atlas gives every customer an AI Credit Rating from 1 to 100, built from its own payment history with you and re-rated nightly, with the reasons shown and a recommended credit limit, so terms follow how each customer actually pays.

How does Atlas project cash from receivables?

From your own history. For each past week, Atlas looks at how much of each aging bucket's open balance was collected in each of the following weeks, then applies that curve to today's open receivables, week by week, with a low-to-high range from how much the history varies. Invoices in an open dispute are held out, and pending promises to pay count in the week they fall due at your own kept rate. It needs 15 weeks of collections first; until then it says so rather than guess. It is an estimate from today's receivables, not a forecast of new sales.

Does Atlas replace our working capital reporting?

No. Your ERP stays the system of record and your financial statements stay where they are. Atlas does the daily receivables work that moves the numbers, and can send its data to Snowflake beside the rest of your reporting.

How quickly can Atlas start working our receivables?

Atlas starts once your ERP is connected at deployment. It reads your open invoices, rates every account and places each one with the right agent, so follow-up begins on the receivables you already have.

Is there a way to estimate our DSO before we start?

Yes. The DSO calculator in the Atlas Knowledge Hub works from your own inputs and shows how each lever could move your days, with the assumptions visible and adjustable. It is a projection, not a client result.

See Atlas work on your own receivables.

Thirty minutes on your own aging report. You leave with a view of how Atlas would work it, and an honest answer if the sequencing is wrong and you should fix something else first.

Your credit policy, terms, tone and escalation rules are your advantage, and they stay yours. Atlas is configured to the way you run receivables. You are not handing over a playbook or fitting into a template.