Late-payment pain for freelancers — automated, polite follow-up flow

Late-payment pain for freelancers — automated, polite follow-up flow targets a $30.0B = 200M freelancers/small-businesses x $150 ARPU/year (global market for invoicing/receivables automation and add-on recovery services) total addressable market with medium saturation and a year-over-year growth rate of 10% (accounting/fintech SaaS and payments automation growth).

Key trends driving demand: Gig-economy growth -- more independent workers issuing invoices increases demand for simple AR tools.; Embedded payments & payment links -- one-click settlement inside reminders improves conversion.; AI-driven personalization -- automated polite tone variations can reduce friction and increase replies.; Open banking/APIs -- easier reconciliation and proof-of-funds enable smarter escalation decisions..