Autonomous B2B Finance
SettleIQ is an AI agent that handles your entire accounts payable cycle — invoice ingestion, coding, approval routing, payment execution, fraud detection, and early-pay discount capture. Around the clock. No human touch.
How it works
Each agent specializes in one phase. Together they run your entire AP process without a human in the loop.
Reads every invoice — email, PDF, EDI, portal. Extracts line items, tax, shipping addresses. Handles messy formats the same way it handles clean ones.
Maps every line item to your chart of accounts. Learns from your approvals. Accuracy improves over time — not a static rules engine.
Schedules payments for optimal timing. Captures early-pay discounts automatically. Chooses the right payment rail — ACH, virtual card, wire — for each vendor.
Detects anomalies, flags duplicates (1.29% of all invoices), and maintains a complete audit trail. Compliance built in, not bolted on.
Built differently
Works nights, weekends, holidays. No sick days, no PTO, no context switching. Processes invoices the moment they arrive.
Flags anomalous payment patterns, vendor account changes, and duplicate invoices before money leaves your account. Not after.
Automatically identifies vendors offering early-pay terms and schedules payments to capture every available discount. Most teams leave 2–4% on the table.
Predicts your cash position 30, 60, 90 days out. Flags timing gaps before they become problems. Shows exactly when to pay and when to wait.
Connects to QuickBooks, Xero, NetSuite, and Sage without custom integration work. Reads your historical data in hours, not weeks.
Ask anything in plain English. "What did we pay Acme last quarter?" "Which invoices are overdue?" "Show me this month's cash out." Answers in seconds.
"The average mid-market company spends 14,000 hours a year on accounts payable. Most of it is data entry. Finance teams are trained to analyze and decide — then spend half their week pushing paper. That's backwards. We built SettleIQ to flip it."
— Rupali Salve, Founder & CEO, SettleIQ
SettleIQ handles the work that drains hours from every finance department on the planet. Your team focuses on strategy, not spreadsheets. Your CFO gets real-time cash intelligence, not laggy reports. Your vendors get paid on time, every time — without anyone lifting a finger.