RecovioReceivables & Working Capital OS

Recover Overdue B2B Receivables with Statutory MSME Protections

Over ₹8.1 lakh crore is locked in delayed Indian B2B trade credit. Recovio grounds every recovery workflow in accounting ledgers, purchase orders, and the MSMED Act’s 3x compound interest framework.

Explore Interactive Demo (RBAC)Calculate Section 16 Interest

Overdue receivables flow through Recovio's financial intelligence engine into recovered working capital

Statutory Anchor

45 Days

MSME Act Section 15 cap

Compound Interest

20.25% p.a.

3x RBI Rate (Monthly Rests)

Evidence Grounded

PO + IRN

SHA-256 Verified Facts

Governance

CFO Sign-off

Role-Gated Escalations

Interactive System Walkthrough

End-to-End Receivables Operating Architecture

Explore how Recovio transitions from automated ledger ingestion to 5-level escalation policies and formal MSEFC dossiers.

Recovio operations pipeline: ingest, reconcile, understand, decide, and recover

Click an Escalation Tier to Inspect Notice:

Level 3: Commercial EscalationCollector Draft

Target Persona:Procurement Lead & VP Supply Chain

Communication Channel:Executive Commercial Note

Generated Communication Draft Preview:

Subject: Commercial Review: Credit Limit Threshold & Outstanding Receivables

Dear Procurement Head, Overdue receivables of ₹18.4L have crossed our commercial credit limit. Continued supply dispatch will require clearance of overdue batches.

Strategy Tone: Firm commercial note referencing existing purchase orders and credit limits.

Interactive Statutory Claim Engine

MSME Act Section 16 Interest Calculator

Compute your legally claimable 3x RBI compound interest and generate formal statutory demand clauses in real time.

Core Capabilities

Financial SaaS Engineering for Indian B2B

TDS & FIFO Reconciliation

Reconciles Section 194C/194J/194Q tax deductions and on-account round-figure settlements without triggering false overdue alarms on net remittances.

5-Level Escalation Policy

Calibrated decision matrix escalating from consultative AP follow-ups (Level 1) to Commercial Procurement reviews (Level 3) and formal MSEFC demand notices (Level 5).

Settlement & Installment Simulator

Simulate installment counter-offers, calculate bank overdraft savings, and convert agreed terms into tracked payment promises with automated broken-promise triggers.

Disputes & Credit Notes

Handle buyer price differences, GSTR-2B delays, and quality rejections with auto-adjusting Credit Notes that unblock recovery on undisputed balances.

Recovery Evidence Dossier

Automatically compile PO proofs, GST IRN records, delivery confirmations, email audit trails, and Section 16 interest sheets into a printable legal package.

Role-Based Access Control

Server-enforced role separation for Collectors (drafting & triage), CFO/Owners (sign-off authority), and Auditors (read-only compliance).

Evidence-grounded receivables recovery: verified financial facts become an organized evidence dossier, an AI recommendation is reviewed at a human approval checkpoint, and only then becomes a defensible recovery action

Knowledge & Statutory Compliance

Frequently Asked Questions

Under Section 16 of the MSMED Act, 2006, any buyer who fails to make payment to an MSME supplier within the Section 15 period (maximum 45 days) is legally mandated to pay compound interest with monthly rests at 3 times the RBI Bank Rate (currently 20.25% p.a.). This statutory provision overrides any contradictory private contractual clause.

No. Recovio enforces a strict Human-in-the-Loop policy. The decision engine drafts context-aware emails, attaches proof documents, and calculates statutory claims, but drafts are queued for human review. Level 4 and 5 executive notices require CFO / Owner sign-off before transmission.

Recovio's ingestion engine applies FIFO bill adjustment and automatically accounts for statutory 0.1% TDS (under Section 194Q) or 1-2% TDS (under Section 194C/J), ensuring false overdue escalations are never triggered on valid tax deductions or on-account round-figure settlements.

Disputed invoices are isolated into the Disputes & Credit Notes ledger. You can issue adjusting credit notes with auto-rebalancing, while Recovio continues recovery operations on all undisputed invoice amounts.

Yes. Recovio's Evidence Package compiles purchase orders, GST IRN records, proof of delivery confirmations, email promise audit logs, and month-by-month Section 16 interest calculation schedules into a verified, printable legal brief ready for filing.

Take Control of Your Enterprise Receivables

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