The invoice closes itself
the moment the money lands.
RemindLedger™ is Operative Finance for B2B SMBs in the US and Canada — collections, cash flow, contracts, payment matching, and finance workflows. Every critical decision fits in one button.
In production since 2023. Launching US & Canada in May 2026.
Not "AR software." A financial operating system.
A new category
What is Operative Finance?
Not collections software. Not accounting. Not banking. It's something that didn't exist as a category until now.
For 20 years, financial software for small businesses was split into separate boxes: accounting on one side, collections on another, banking on a third. Each with its own version of "your money", none speaking to the others in real time. Your bookkeeper is the human bridge who reconciles everything at 9 AM on Monday — after the decision you needed to make on Friday is gone.
Operative Finance breaks that logic. It's the first category where the software operates with you: it anticipates the critical moment, predicts the scenario, and offers you the right decision while you still have time to make it.
The cash trinity
For Operative Finance to work, connecting to one source isn't enough. Three realities of your money live separately — and we have to unite them into a single operational truth.
The money you have
Your bank account, live. Not the version your accounting app copied 6 hours ago — the actual balance, right now.
The money you're about to pay
Monday payroll, rent, vendors. Lives in your ERP and payroll system. We read it, we don't move it.
The money you're owed
Your open invoices, promise-to-pays, disputes. Our own ledger — not a sync-copy of your accounting system.
The trick is uniting the three. When the system knows what you have, what you owe, and what you're owed — at the same time — you don't need to guess anymore. The critical moment becomes visible before it hits.
And when the moment comes, the button is already there: invoice, collect, advance capital, adjust. Without opening 5 apps. Without calling your bookkeeper. One single click.
Invoice-On-Payment™
Our signature methodology. The fiscal invoice is only issued after the bank confirms the payment — eliminating manual reconciliation, credit notes, and tax adjustments.
Contract-On-Trigger™
The contract that bills itself.
Sign once upfront. Each milestone you mark complete auto-issues a billing notice; Invoice-On-Payment™ closes it the moment the customer pays. The contract becomes your dispute evidence — the workflow becomes your cash flow.
< 3s
Per reconciliation
All in
Bank coverage
0
Credentials stored
We eat our own dog food. Every dollar that flows through our own books goes through the same Operative Finance pipeline our customers use.
How it works
Three steps from bank connection to reconciled invoice.
Authorize through regulated partners
You authorize access through licensed financial partners. Credentials never leave them; we never see or store them.
Agent-on-Sync™ resolves every deposit
Each confirmed deposit is resolved to the invoice that funded it — automatically. Exceptions surface in seconds for human review.
Your accounting system stays current
Agent-on-Sync™ closes the loop with your accounting system — no manual entry, no copy-paste, no end-of-month cleanup.
Supported payment types
Works with the accounting system you already use.
Whether your books live in the cloud or behind your firewall, Agent-on-Sync™ keeps them current with what is happening at the bank — without you re-keying, exporting CSVs, or migrating.
Ready to step up from AR automation into Operative Finance?
Start free, then move into Growth, Business, Enterprise, or Plus as collections, control, and throughput expand. No credit card required. Secure verified setup and bank-confirmed workflows included.
Coming soon
RemindLedger is financial operations software, not a debt collector. Security & compliance →