How We Recovered $1.48M
in Overdue Receivables for a Global Corporate Client
A corporate client selling through wholesale and other online platforms, with a broad product catalog and a growing presence across multiple marketplaces.
By Zain Tareen
Founder, CEO & Managing Partner, Acgile
A $1.91M non-current AR balance was reduced to $428K by cutting average collection time from 189 to 49 days, through automated escalation workflows, proactive calling, and monthly statement synchronization, liquidating $1.48M.
$1.48M
Recovered
74%
Reduction in Collection Time
189 → 49
Days Avg. Outstanding
The “Before” State
Our client, a high-volume corporate wholesaler, was facing a liquidity crunch despite strong sales. Their internal systems couldn't keep pace with their growth across multiple marketplaces, leading to a massive backlog of “ghost” debt.
Non-current balance: $1.91 Million
Average Invoice Outstanding Period
AR Aging Report, April 1, 2025
$400k
Current
$535k
31-60
$350k
61-90
$1060k
91+
Stagnant Capital
A non-current AR balance of $1.91 Million sitting idle on the books.
Aging Deadlock
Over $1.05M of that balance was older than 91 days with no recovery plan.
Manual Friction
Collection efforts were reactive, leading to a 6-month delay in cash realization.
78% of Receivables Recovered
Problems prevented the collection of the remaining 22%
Reconciliation with Customers
Sent account statements to confirm balances and resolved disputes by tracking payments or requesting proof. Resulted in acknowledgement of $872,000.
Polite Email Reminders
Sent multiple rounds of polite emails to customers. Discovered that none of them had been contacted by the client via email previously.
Direct Calls to Customers
Called customers to request payments and discovered that many emails were unseen or undelivered due to incorrect email addresses or employee turnover.
Installment Plans
For customers unable to pay the full amount, we offered installment plans after client approval. Resulting in recovery of 11% of total balance.
Collection Blockers
Management Restrictions
Approximately 20% of the customers were classified as high-value accounts, and management restricted direct contact with them.
20%Unreachable Customers
Approximately 2% of the customers were unreachable, as some businesses had closed or could not be contacted via email or phone.
2%Our 4-Pillar Recovery System
Automated Escalation Workflows
We implemented instant "Past Due" triggers, automated emails sent to customers as soon as the 24-hour grace period expired.
The "15-Day Touch" Policy
Established a high-touch human calling protocol for any invoice hitting the 15-day mark, preventing minor delays from becoming bad debt.
Monthly Statement Synchronization
Began delivering consolidated monthly statements to all wholesale partners, eliminating the "I didn't see that invoice" excuse.
Operational Continuity
Introduced weekend and month-end closing processes to ensure the AR ledger never rested, even when the client's office was closed.
The “After” State
Within months, the aging buckets shifted dramatically. The “91+ Day” pile, once a $1M+ liability, was dismantled.
By September 27, 2025, the open balance had improved to:
$428,921
A 77% improvement
+91 Days
$326,747.56
61-90 Days
$77,166.74
31-60 Days
$25,007.18
Average Days Outstanding
Improved from 189.5 days to 49 days
Cash Flow Liquidity
Total open balance dropped to $428,921, a 77% improvement from $1.91M.
Efficiency Gain
The average invoice lifecycle was cut by 140 days, from 189 to 49.
Scalability
The client can now take on larger wholesale contracts knowing their back-office can handle the collection volume.
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