The system that diagnoses your AR.
Meridian reads your AR ledger and communications to diagnose why each invoice is unpaid, then acts on it automatically.
Every account, raw.
AR ledgers, operational evidence, and prior communications drop in — no schema mapping, no clean-up.
An invoice is unpaid for a reason.Most stacks never ask which one.
Dispute. Capacity. Intent. Drift. Four different causes, four different actions. Meridian reads AR ledgers, operational evidence, public company data, and prior communications to resolve which one is in play — then becomes the agent that acts on it.
Diagnosis and execution are the same motion. Every action is chosen for the highest recovery and the lowest relationship risk — never at any cost.
- Diagnosereads ledger, evidence, public company data, and communications to explain why each invoice is unpaid
- Decidechooses the channel, cadence, and message with the highest recovery and lowest relationship risk
Every account, its own recovery path.
Meridian first diagnoses why each invoice is unpaid, then resolves the three decisions that actually move recovery — the channel to reach on, the cadence to reach at, and the message that lands — chosen for recovery and relationship risk together.
Meridian picks the channel each debtor is most likely to respond on — not the channel your playbook defaults to. Reachability, prior communications, and diagnosed intent decide.
When to first reach out, how long to wait, when to follow up, when to step back. Tuned per account from workflow outcomes so contact lands when it converts — and stops before it costs the relationship.
The words, the offer, the framing — shaped to the debtor's diagnosed situation. What lands with one account would push another away; the agent adapts and negotiates inside your policy and relationship boundaries.
Not a workflow you launch.An agent that launches itself.
Once the system has diagnosed an account and decided the highest-recovery, lowest-risk action, an autonomous unit spins up tagged to it. It sends. It calls. It listens. It negotiates inside the boundaries you set — and only escalates when a human actually helps.
- Diagnosis agentReads ledger, evidence, and comms to name the cause.
- Outreach agentPicks channel, drafts the message, times the send.
- Negotiation agentHandles replies, offers, and payment plans inside policy.
- Escalation agentRoutes to a human only when a human actually helps.
Start extracting value from data you already possess.
Meridian fine-tunes to your book — your historical and outstanding accounts teach the system your debtor base, and recovery compounds with every cycle. No more black boxes with third-party agencies, no more suboptimal sell-offs for pennies on the dollar. Every dollar recovered is a diagnosis made and an action executed.
FIGURES BASED ON INDUSTRY AVERAGES · METHODOLOGY AVAILABLE UNDER NDA
Give it a portfolio.Watch it work.
Meridian is deployed with a handful of teams moving real money. If you hold delinquent receivables and want to see what the system diagnoses in them, reach out.