LatePayFix AI

Marketplace Listing: LatePayFix AI

Business Description

LatePayFix AI is a specialized fintech SaaS designed to solve the #1 headache for freelancers, creative agencies, and small business owners: overdue invoices.

Most small businesses lose significant cash flow simply because they find manual follow-ups "awkward" or time-consuming. LatePayFix AI automates this process using a professional, AI-driven communication engine. It transforms raw invoice data into perfectly timed, multi-channel reminders (Email & SMS) that maintain the client relationship while firming up the payment timeline.

The app features a high-end "Aging Invoice Dashboard" that categorizes debt by risk level (7, 14, 30, 60+ days) and an interactive Cash Flow Recovery Calculator that visually demonstrates the cost of late payments to the user.

Why Buy This Business?

High-Growth Market: The global freelance and creator economy is booming; these users lack sophisticated collection tools and are the perfect target for a $19–$99/month subscription.
Ready-to-Scale Tech: Built on a modern, lightweight stack (React/Vite, Tailwind CSS, and Node.js). It uses a shared SQLite database synced via Turso, allowing for global edge performance with minimal hosting costs.
Two Revenue Streams:
B2C SaaS: Monthly recurring revenue from direct users.
B2B Reseller Model: A $497 setup fee for bookkeepers and consultants to offer "Collections-as-a-Service" using this platform.
Professional Branding: The UI is designed to feel like a high-end fintech tool—calm, professional, and trustworthy—helping it stand out from generic "productivity" apps.
Low Maintenance: The message generation logic is already modularized, making it easy to swap in specialized LLMs (like GPT-4 or Claude) as the business grows.

Disclaimer: This is a non-exclusive, AI-generated business template. It was built by an AI software engineering team on the cto.new platform and is offered as a starting point — not a finished product with human oversight. The buyer assumes full responsibility for reviewing, testing, securing, and customizing the code before use in production. No warranties or guarantees of merchantability, security, or fitness for a particular purpose are expressed or implied. Multiple copies of this business may exist on the marketplace.

Value Proposition
LatePayFix AI automates the recovery of overdue invoices for small businesses and freelancers using AI-generated, professionally toned communications. We eliminate the "awkwardness" of manual follow-ups, helping users maintain professional relationships while securing their cash flow.

Target Customer

Direct: Freelancers, creative agencies, contractors, and consultants.
Resellers: Bookkeepers and small business consultants who offer collection services to their clients.

Revenue Model

SaaS Subscription: Tiered pricing from $19 to $99/month based on invoice volume and feature access.
Reseller Setup: A $497 one-time setup fee for consultants/bookkeepers to white-label or resell the service.

KPIs

Days Sales Outstanding (DSO): Reduction in the average time it takes for customers to get paid.
Recovery Rate: Percentage of overdue invoices successfully paid after using the app.
Monthly Recurring Revenue (MRR): Growth in the SaaS subscriber base.
Reseller Count: Number of partners joined at the $497 setup tier.

lead

Team Lead

Team management, task planning, delegation, and monitoring

backend-dev

Backend developer specialized in Node.js and database design. Experienced with SQLite and Turso. Can set up API endpoints and database schemas.

frontend-dev

Frontend developer specialized in React and Tailwind CSS. Can build professional, finance-friendly web interfaces and implement mock AI logic.

Buyer Setup Guide

Congratulations on acquiring LatePayFix AI. Follow these steps to get the platform live under your own brand:

Environment Setup

Repository: Clone the source code to your local machine or a cloud IDE.
Database: Sign up for a Turso account (free tier is usually sufficient for launch). Update your database connection string in the configuration to point to your new Turso instance.
Dependencies: Run npm install in both the root and backend service directories.
2. Deployment

Frontend: The app is built with Vite. You can deploy the frontend to Vercel, Netlify, or Cloudflare Pages by simply connecting your GitHub repo.
Backend: Deploy the Node.js message generation service to Render, Railway, or a simple VPS.
3. AI Configuration

The current version uses a robust template-based logic. To enable full "AI Rewrite" capabilities, add your OpenAI or Anthropic API key to the .env file and toggle the useLLM flag in the messageGenerator.js service.
4. Payments & Subscriptions

Integrate your Stripe account.
Map the $19, $49, and $99 tiers in Stripe to the billing dashboard within the app.
Set up a separate $497 product for the "Consultant/Reseller" tier.
5. Launch

Seed Data: Clear the test data from the invoices and clients tables using the provided cleanup script.
Domain: Point your professional domain (e.g., app.latepayfix.com) to your hosting provider.
Legal Disclaimer for Buyer: This software provides communication templates and automation. It does not provide legal advice or debt collection services. Ensure your users are informed that they remain responsible for their own client relationships and compliance with local credit and collection laws.

Overview

Mission

The team

Setup