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You aren't a zero-interest lender. RecoupIQ is automated invoice chasing software built for UK freelancers — it turns the Late Payment Act 1998 into an automatic safeguard to recover unpaid invoices with zero friction.Early Access — 100% Relationship Guarded.
Research Insight
The average UK small business is holding £21,400 in overdue invoices right now (Intuit 2025). Get your cash back securely.
Claiming what is owed isn't a penalty; it's a legal corporate standard they already expect.
Calculated at 11.75% (Statutory rate for B2B contracts in the UK).
Estimated Entitlement
£84.49
This is an approximation for B2B invoices. RecoupIQ executes safe recovery based strictly on your contract terms.
*Estimates subject to the Late Payment of Commercial Debts Act 1998. B2B contracts only.
Partners & Infrastructure
Supported Accounting Systems
Built for your business
Floating client debt shouldn't be your full-time job. See how life shifts when you put your invoice recovery on Autopilot.
The Friction & Anxiety
Send invoices, then cross your fingers
The perpetual cycle of "polite" chasing adults for money you earned months ago.
Accidental Zero-Interest Lender
Funding large client operations with your personal cash flow while bills stack up.
Damaged & Awkward Rapport
Stressing that asking for what you are owed kills the relationship for the next gig.
Sunday Afternoon Admin Debt
Subtracting hours of your weekend trying to reconcile bank statements and reminders.
Standard baseline for 60% of modern freelancing.
The Automated Relief
AI handles polite, persistent following up
Reminders trigger on autopilot using full UK statutory alignment. You don't lift a finger.
Paid on Demand, No Excuses
Get 24-hour invoice financing support directly through dashboards. No client wait times.
Professional Relationship Guarded
Empathy layers ensure client rapport is standard, compliance keeps it purely corporate.
Focus strictly on your craft
Zero admin debt or reconciliation stress. Your weekend stays your weekend.
Most freelancers fear losing a client by asking for money. RecoupIQ turns an awkward conversation into a professional, collaborative process.
Our AI starts with a soft, empathetic 'check-in' that assumes the best. Over 40% of late payments are resolved at this stage.
Switch between 'Gentle Nudge' and 'Firm Professional' with one click. You control the voice of your recovery.
If a client promises to pay on a specific date, our system automatically pauses all reminders to give you space to talk.
Instead of demanding payment, offer them a Triver payment plan. You get paid 100% now, they get 3 months to pay. Everybody wins.
3 questions, 10 seconds. See your likelihood of recovery and relationship risk score instantly.
Enter your details for an AI assessment
From overdue invoice to payment received — automated late payment recovery for UK freelancers
Connect your bank or upload an invoice. We instantly apply the Late Payment Act Shield, setting professional expectations from day one.
If payment is late, our AI sends a series of empathy-led nudges. We assume the best, maintaining your professional relationship while securing the cash.
Clients pay via one-click links. Need a hand? Use Single Invoice Factoring or Selective Invoice Finance to get paid today — absolutely no more playing bank. You get your money now.
Under the Late Payment of Commercial Debts (Interest) Act 1998, UK businesses have a statutory right to claim interest (8% above the Bank of England base rate) and fixed compensation fees (£40-£100 per invoice) on overdue commercial debts. Recoup-IQ automates this process to ensure you recover what you're legally owed effortlessly. Calculate your statutory fees and compensation instantly →
Traditional debt collection is broken. We built a system that protects your cash flow without costing your reputation.
Built to solve the cash flow problems UK sole traders and freelancers actually face
Send professional payment reminders at day 7, 14, 21, and 30 automatically. No more awkward chase-up emails.
Clients pay via Stripe with one click. Bank transfer, card, or Apple Pay — whatever works for them.
Generate tax reports, track expenses, and calculate late payment interest according to UK law.
Start free. Upgrade only when you need more.
Perfect for solo freelancers
£0
No credit card required
For serious freelancers
£19/month
For growing agencies
£39/month
30-day money-back guarantee. No questions asked.
Cancel anytime. No hidden fees.
With over 62% of UK businesses experiencing payment lag, setting up takes 2 minutes.
Built on real credentials
10+
Years building AI and Financial infrastructure
CII IF7
Insurance & Financial products certified founder
Ltd Co.
RECOUP-IQ LTD · Company No. 16947526 · Registered in England
RecoupIQ is a registered UK company built on Google Cloud and Vercel Edge infrastructure. We leverage Google Gemini AI for intelligent debt recovery workflows — ensuring your data is handled with the same rigour as enterprise financial systems.
RecoupIQ LTD is a UK-registered, digital-native SaaS platform built to automate invoice collections and embedded financing for freelancers and small businesses.
Founded by Alexandru Emanuel Vasile (Founder & Lead Engineer), based in Lincoln, United Kingdom.
Meet the teamWe give you the templates AND do the chasing for you. Download our research-backed guides to stay protected.
3 polite check-in templates that get results without feeling like a debt collector.
A plain-English breakdown of the 1998 Act and how to claim your interest.
How to qualify new clients and set payment terms that stick from day one.
Join 2,400+ freelancers receiving weekly "Polite Payment" tips and templates.
Takes 2 minutes · No card needed
Add your first one free and let RecoupIQ start the recovery process today.
Free forever plan · Cancel anytime · Stripe-secured
Our AI drafts custom, empathy-led nudges that keep relationships intact.