Badger runs your sales ledger, works out the statutory interest and compensation on every late invoice, and chases on a schedule in your name. When chasing stops working, one button turns any line into a formal recovery matter — already costed, at a published fixed fee.
The statutory rate on a late commercial invoice today — 8% over base. Badger fixes it at the rate for the date each invoice fell due, which is the part that is genuinely hard to do by hand.
A fixed compensation sum you can add to every late invoice, by size, on top of the interest. You are entitled to it under the 1998 Act.
Six things, all running today.
Every invoice is costed at the statutory rate for the date it fell due, with the fixed compensation sum added. Most businesses never claim either.
Templates you control, sent on the timings you set, with the real figures in the letter rather than “this is now overdue”.
Every chase is drafted and waits for you to read it. You decide what goes to which customer, and you can pause any invoice or any debtor.
Status, incorporation date, charges registered against them and whether the accounts are overdue — on the ledger row, before you spend money chasing.
A read-only Xero connection, or an aged debtors export from Sage, QuickBooks or your own system. Nothing is ever written back to your ledger.
Any line becomes a recovery matter on the same file, already costed, with a fixed fee in writing before anything is sent. No other chasing tool does this.
Read-only Xero, or an aged debtors CSV from anything else.
Statutory interest at the rate for its own due date, plus the compensation sum.
On your schedule, in your name, with the real figures in them.
Nothing reaches a customer until a person has approved it.
One button turns a line into a recovery matter at a published fixed fee.
Outstanding is the invoice. Claimable adds the statutory interest and the compensation sum, worked out per invoice at the rate for its own due date. On a typical aged ledger the difference runs to four figures.
Each row shows its own state — chasing, paused, they replied, with the recovery team — so the whole ledger is readable at a glance.
Chasing tools stop when the chasing stops working. Badger passes the invoice to the recovery team instead.
From any ledger row. The invoice becomes a recovery matter with the debt already costed and the debtor already checked, so there is nothing to re-explain and nobody new to brief.
You get the fee for the next step before anything is sent, from the published schedule. Nothing escalates without you agreeing it, and we take no commission on what comes back.
Per business, not per user. No commission, no percentage of what you recover, nothing per invoice or per chase. Cancel whenever you like.
We connect your ledger and agree the chase schedule with you rather than leaving you at a sign-up page. Price excludes VAT.
Either, and most people do both. Run it yourself and the chases go out from your address, in your name, on your schedule, with the interest and compensation stated correctly — you keep the customer relationship and every penny that comes back. Or hand any individual invoice to us with one action, at any point, and it becomes a recovery matter already costed with the debtor already checked. The common pattern is to run the ledger yourself and escalate the two or three lines a quarter that have genuinely stopped responding. You can create an account and connect the ledger yourself, or ask us to do it with you.
You authorise a read-only connection from your own Xero and we pull the outstanding sales invoices — the customer, the invoice number, the due date and the amount still owing. Nothing is written back to your ledger, and we cannot see purchase invoices, payroll or your bank feed. The connection is read-only by design, it can be revoked from inside Xero at any time, and the access tokens are encrypted where they are stored rather than sitting in a database column in the clear.
An aged debtors CSV works just as well, and the import reads the column names your system actually produces rather than demanding a template — Xero, QuickBooks and Sage all label the same fields differently and it maps the common variants. Anything it cannot read with confidence is listed back to you with the reason rather than guessed at, because a misread due date silently changes the statutory rate and therefore the amount claimed. That is the one place in this system where a guess would cost you money.
Yours, by default. For routine credit control a chase that arrives from your own accounts function is ordinary commercial correspondence and carries no signal, and replies come back to you. Switching to our name is itself an escalation and is worth saving for the point where you want it noticed. Either way nothing is sent until a person has read the draft — the schedule removes the excuse for not chasing, not the judgement about what should go to a particular customer.
They are reminder tools with a bigger feature list — SMS, automated calls, forecasting, a connector for most ledgers. Two things they do not do. They track what you are owed; none of them computes the statutory interest and the compensation sum you are entitled to add, which needs a rate table by period and the rule that fixes the rate at the date interest started running. And when reminding stops working they stop, where Badger turns the invoice into a recovery matter on the same file, already costed, at a published fixed fee. If your problem is that nobody is sending the reminders, buy on features. If your problem is the four or five customers a year who ignore them, this is built for that.
You stop paying and the chasing stops. Your ledger data is yours — ask and you get it as a CSV. Any recovery matter already with us carries on under the fee agreed in writing at the time, because that is a separate instruction with its own terms and it would not be right for it to evaporate because a subscription lapsed. There is no notice period and no minimum term.
The statutory interest rule, the compensation sums and the recoverable costs, on one page with the current rate.
Tell us what you invoice from and roughly how many unpaid invoices you carry. We will connect it, agree the chase schedule with you, and show you what your ledger is actually worth.