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Your finance director, without the salary.

Ada, an AI finance director for UK small businesses, chases your late payers, readies the week’s bills and sets your tax aside.

Start free for 14 daysTry it on an example

£79 a month, everything included. No card needed for the trial.

Your cash, counted in days.

Kestrel Print Studio Ltd’s bank, bills and customers on a calendar. Point at a day, change the pace, or chase a late payer.

Example business

3 customers owe £9,000 and are late.

Days paid for

27days

The bank pays for every day to Wed 25 Nov. Usual payments from Ashby Gallery Ltd and Fernhill Books Ltd carry it to Tue 22 Dec.

Pace
MonthMTWTFSS
Oct
Nov
Week of Mon 9 Nov
Week of Mon 16 Nov
Week of Mon 23 Nov
Week of Mon 30 Nov
Dec
Week of Mon 14 Dec
Week of Mon 21 Dec
Week of Mon 28 Dec
Jan
Week of Mon 11 Jan
Week of Mon 18 Jan

A day costs about £430 at the last 30 days’ pace. Point at a day, or use the arrow keys.

  • Money in the bank27 daysFri 30 Oct to Wed 25 Nov
  • If Ashby Gallery Ltd and Fernhill Books Ltd pay as usual27 daysThu 26 Nov to Tue 22 Dec
  • Not yet paid for2 daysWed 23 Dec to Thu 24 Dec
  • If Ashby Gallery Ltd pays as usual3 daysFri 25 Dec to Sun 27 Dec
  • Not yet paid for28 daysMon 28 Dec to Sun 24 Jan

£6,040 of bills and tax taken on their day: Paperworks Supplies Ltd, Canal Wharf Properties (rent), Inkwell Trade Ltd and 2 more.

2 days fewer than yesterday morning (£1,180 less in the bank).

Halden Events Ltd's £4,800 is 19 days late. Paid, it buys 11 days.

How this works

A day costs £430: everything that left the business in the last 30 days, divided by 30. Transfers between your own accounts are left out.

Bills in your post and tax Ada knows about are taken on their day, on top of the pace, so the count errs short. Customers who pay on a steady rhythm are expected on it; a late customer is not, until they pay.

On Monday, she tells you what she did.

Example business

Came in from the customers Ada chased

£9,000 came in from the customers Ada chased,

of £9,000 late on Mon 26 Oct

Halden Events LtdPaid Fri 30 Oct£4,800
Northgate Dental LtdPaid Wed 28 Oct£2,400
Bramble Interiors LtdPaid Tue 27 Oct£1,800

I sent 4 chases, 3 by myself; £11,200 came in, £9,000 of it from customers I chased. 1 thing needs you.

Ada’s note to the owner, Mon 2 Nov

How it works

  1. Connect

    Your bank through a regulated Open Banking provider, and Xero, QuickBooks or Sage if you use them. Ada reads; she never writes to your books.

  2. Sign one page

    Say what Ada does by herself, what she asks you about first, and what she leaves alone. Change any line whenever you like.

  3. She does the work

    Every working morning she does her rounds. On Monday she tells you what she did, what came in, and anything that needs you.

Watch Ada’s morning

A week of Ada’s work, from Monday at nine. Press play, or step through it.

The letters, the reply she reads, the bills and Monday’s note come from the code Ada runs for real businesses. Press Stop on a reminder and watch what changes.

Step 1 of 6 · Mon 26 Oct · 09:00Example: Kestrel Print Studio Ltd

Step 1 of 6: Three customers are late

Three customers are late

At nine Ada goes through who owes what, invoice by invoice. Three customers are past their due date.

  • Halden Events Ltd£4,800 · 16 days late
    Asks you firstFirm reminder

    16 days late: the firm reminder is due; Ada asks because a firm reminder always asks.

  • Northgate Dental Ltd£2,400 · 5 days late
    Ada sends itFriendly reminder

    5 days late: the friendly reminder is due; Ada sends it under your standing order.

  • Bramble Interiors Ltd£1,800 · 4 days late
    Ada sends itFriendly reminder

    4 days late: the friendly reminder is due; Ada sends it under your standing order.

Try it

What would Ada send?

Move anything on the left; on the right is the exact letter Ada would send this morning. To a business, it adds the interest the law allows.

35 days
Who owes it?
Have they been chased?

Ada writes the final notice and asks you before it goes.

Ada asks you firstFinal notice
Example business

Ada writes the final notice and asks you before it goes.

Why: 35 days late: the final notice is due; Ada asks because a final notice always asks.

To
Northgate Dental Ltd
Subject
Final notice: £2,400.00 overdue

Dear Northgate Dental Ltd,

Despite our reminders on 27 Sept 2026, 1 Oct 2026, 8 Oct 2026, £2,400.00 remains unpaid:

INV-1042     due 24 Sept 2026    £2,400.00   35 days overdue

Unless payment reaches us by 5 Nov 2026, we will add statutory interest and compensation under the Late Payment of Commercial Debts (Interest) Act 1998, £27.04 of interest so far at 11.75% a year and £70.00 of fixed compensation, and consider passing the debt to a collection agency.

If you have already paid, or there is a reason for the delay we don't know about, please reply today.

Pay, or tell us you've paid: https://quidwise.co.uk/pay/example-link

To pay by bank transfer:
Account name: Kestrel Print Studio Ltd
Sort code: 12-34-56
Account number: 12345678
Reference: INV-1042

Kind regards,
Accounts
Kestrel Print Studio Ltd

What the Late Payment Act adds
  • Interest so far, at 11.75% a year£27.04
  • Fixed compensation for one late invoice£70
  • They can be asked for£97.04

The Bank of England base rate plus 8%, from the day after the due date. Only between businesses.

After the final notice the ladder ends: you decide whether to call them, use a collector or go to the small claims court.

You stay in charge

One page says what Ada may do. You sign it.

For each kind of letter: off, ask me first, or Ada sends it. The firm ones always ask.

Your standing orders · the one page you sign

What Ada may do for your business without being asked

This page is the whole of her authority. She does what it says and nothing else, and nothing runs until you sign it.

  1. 1Chase customers who pay late
    Day 3Friendly reminderA short, polite note that the invoice has not arrived yet.
    Day 7StatementEvery overdue invoice listed, with a request for a payment date.
    Day 14Firm reminderA firmer letter with a date to pay by.
    Day 30Final noticeThe last letter, with the statutory interest a business customer owes.

    The firm reminder and the final notice always ask you first. You cannot switch that off.

  2. 2Wait before anything goes by itself
    Every send Ada makes by herself waits this long, with a Stop button on your phone.
  3. 3Get the week’s bills ready

    Ada prepares one batch a week; you approve it in your own bank. No setting lets money leave without your bank asking you.

Signing switches on the morning round. Until then Ada only shows you what she would do.

The ladder of trust · how much Ada does by herself
  1. 0Ada suggestsyou are hereAda shows what she would do; nothing leaves and nothing is prepared by itself.
  2. 1Ada prepares, you approveEvery morning Ada prepares the chases that are due and asks you before each one goes.
  3. 2Ada runs your standing ordersAda sends the friendly reminder by herself, 10 minutes after telling you; the rest still ask.

Sign the page to climb a rung.

Ada never…
  • moves money without your bank asking you. She gets the payments ready; you approve them in your own bank.
  • sends the firm reminder or the final notice without asking you.
  • writes by herself to an address you have not confirmed, or to a customer who has never paid you before.
  • chases a customer twice within four days, or anyone you paused or marked in dispute.
  • keeps chasing once the money is in: she checks the books again the moment before each send.
  • files a return without your yes.
Money out, done properly

The week’s bills, as one batch that is safe to approve.

The bills that cannot wait go first, and your tax money is set aside before anything else. A supplier whose bank details just changed is held until you have called them.

Thursday’s run · £8,000 in the bank · five bills in the postExample business
£100
For direct debits and card payments. No bill is paid if it would take you below this.

Thursday: £5,080 to 4 suppliers, £1,500 to your tax pot, £100 kept back.

  • To suppliers £5,080
  • To your tax pot £1,500
  • Kept for the held bill £960
  • Kept back £100
  • Spare £360
Goes this week5 · £6,580
Your tax pot (Tax savings)£1,500
What the tax estimate says to have put aside by now, less what the tax pot already holds.
Canal Wharf Properties (rent)£2,250
due 30 Oct 2026; the premises depend on it.
Albion Equipment Finance£610
due 2 Nov 2026; finance on something the business needs: miss it and it can be taken back.
Paperworks Supplies Ltd£1,840
overdue since 17 Oct 2026; a trade supplier.
Swift Studio Couriers£380
due 4 Nov 2026; a trade supplier.
Held: bank details changed, call them first1 · £960
Inkwell Trade Ltd£960
Inkwell Trade Ltd's bank details changed since the last payment (now 65-43-21 ••••0789, from an email on Tuesday).Bank details changed by email are the most common invoice fraud: call them on a number you already have before you confirm.
Waits for cash0 · £0

Everything due fits this week.

  • £960 stays in the bank for the bills held until you confirm their bank details.

On the day you choose, Ada gets this batch ready. You approve it in your own bank: nothing leaves without your bank asking you.

Ada thinks for herself

She works out what could happen, checks her own hunches and keeps score.

She plays out thousands of futures, follows anything odd through the books, weighs a big decision from every side and checks her own forecasts. Here she does all four on the example business, with the code she runs on real books.

Ada is working out the example business: thousands of futures, an investigation, three decisions and a year of her own forecasts.

Ada never moves money without your bank asking you, never files without your yes, and every figure has a receipt.

Everything else a finance director does

The rest of the job, done the same careful way.

Cash guardExample

She sees a cash dip weeks ahead, and lines up the fixes.

Ada looks thirteen weeks ahead. If cash would fall below what you keep in the bank, she works out the smallest set of fixes, the free ones first:

  1. Send a chase sooner. Ada does this one herself where your signed page lets her.
  2. Offer 2% off for payment within 7 days.
  3. Hold a bill that can safely wait.
  4. Take no drawings for a few weeks.
  5. HMRC Time to Pay, then an overdraft, with the pack the bank needs.

Two to five ask you first.

Cash dips below £1,000 in 6 weeks. With Ada’s fixes, it never does.
Without the fixesWith themBelow the £1,000 you keep
FilingsExample

Your VAT return and confirmation statement, ready two weeks early.

Fourteen days before the deadline Ada prepares the VAT return from your books, box by box, with the working behind each figure. She checks your confirmation statement against the Companies House register too.

Nothing is filed without your yes. With HMRC connected, the VAT return goes from here; otherwise your accountant files it. The confirmation statement you file on Companies House’s own site, with Ada’s checked answers.

VAT return · July to SeptemberReady for your yes
Box 1VAT on your sales£9,650.00
Box 4VAT you claim back£2,990.00
Box 5To pay HMRC£6,660.00
Box 6Sales before VAT£48,250
Box 7Purchases before VAT£16,400
Payroll and pensions

Payroll checked before payday. PAYE and pensions paid on time.

Your payroll software runs the payroll; Ada makes sure it is right. Switch on the check and, three working days before payday, she shows you this month against last month with every change, for you to confirm.

The PAYE and pension money goes into the week’s bills as a priority, and she keeps your auto-enrolment dates.

  1. Ada asks you to check this month's payroll against last month's
  2. Payday
  3. PAYE and National Insurance reach HMRC
  4. Pension contributions reach the scheme
Reports and packs

Monthly accounts and a pack for the bank, in words you can read.

Management accounts for any month, and, when you want to borrow, a lender pack for the amount and term you name. Both come as a PDF you can send.

Every figure has a receipt: click it and the transactions behind it appear. Code does the sums; Ada only writes the words.

Management accounts · September 2026Profit, cash, who owes you, what changed and why
Lender pack · £40,000 over 36 monthsWhat a bank asks for, laid out the way it asks
Supplier lettersExample

Letters to suppliers that bring your costs down.

Ada reads your regular payments and contracts, finds the ask worth making, and writes the letter. It goes when you say yes.

Then she watches the bills that follow and tells you what each letter saved.

  • A contract about to renew: the best renewal price, in writing, before it rolls over
  • A price that rose faster than inflation: the old price plus inflation
  • Something nobody uses: cancel it before the next payment
  • Short payment terms: 30, 45 or 60 days instead
Broadband renewal letter£276 a year
Phone callsExample

When you switch it on, Ada phones late payers. She always says she is automated.

Each call needs your yes, and happens only within the hours you choose. What the customer says is read like an email reply: a promise pauses the chasing, a dispute stops it, and you hear their own words.

Ada, on the phone

“Hello, this is Ada, an automated assistant calling for Kestrel Print Studio Ltd about the account of Halden Events Ltd. Am I speaking with someone who looks after their payments?”

AccountantsExample

A seat for your accountant

Their seat is free. Every client who adds them sits in one book, worst first, with the one thing to raise this week, and they can open any client to see exactly what the owner sees.

Open the client book

  1. 1Harbour Bakery LtdVAT return due in 6 days, not yet approved
  2. 2Morrow Design Ltd£8,400 overdue from customers; cash dips in 5 weeks
  3. 3Fenwick Opticians LtdNothing to raise this week
Pricing

One price. Everything Ada does.

A finance director costs £80,000 to £150,000 a year, a part-time one £1,000 to £3,000 a month. Ada is £79 a month.

Quidwise

£79a month

Everything Ada does, for one business. No tiers, no extras.

Start free for 14 days

14 days free, no card needed. Accountants join free, across all their clients.

  • Ada runs your credit control: the right letter at the right time, replies read, a pay link in every chase
  • The weekly bill run: one batch to approve in your bank, the float kept, the tax pot topped up
  • The cash guard: a dip spotted weeks ahead and the fixes lined up
  • VAT return and confirmation statement prepared before the deadline
  • Supplier letters and renewal notices that save money
  • Every page drawn, every figure with its receipt; ask Ada by chat, voice or WhatsApp
  • Your accountant joins free

The first 30 UK businesses are set up personally by the founder.

The same £79 a month, everything included. Leave your email and the founder will be in touch within a working day.

Questions

Plain answers.

Anything else: leave your email on the founding list above and the founder will answer within a working day.

Does Ada move my money?
Not without your bank asking you. Ada gets the week’s payments ready as one batch, and you approve it in your own bank, which asks you for every payment. The connection she uses to read your bank cannot move money at all.
What if she gets something wrong?
Anything Ada sends by herself waits ten minutes first, with a Stop button (or reply STOP on WhatsApp). The firm reminder and the final notice always ask you. She learns from you: she only offers to send a kind of letter by herself after you have approved ten in a row without changing a word, and if you stop the same kind twice in a month, it goes back to asking you.
Do I need an accountant?
Not for the weekly work; that is what Ada does. She is not a regulated adviser, and most owners keep an accountant for the year-end accounts and tax returns. Add yours and their seat is free: they see what you see, and can download the year-end pack.
Does it work without Xero?
Yes. Connect your bank through Open Banking, or QuickBooks or Sage, or upload a spreadsheet of transactions. With no accounting software at all, raise your invoices through Ada and she chases those.
What does she do on day one?
Five short steps. You tell her about the business and connect your bank or accounts. She shows you her first look: your cash, who owes you and your next deadlines. You choose Off, Ask me or Ada sends for each job, and sign. Her rounds start the next working morning.
Will she remember what I tell her?
Yes. Ada remembers what you tell her: who your solicitor is, how you like to hear from her, which customer to leave alone. Say it once, in the app, by voice or on WhatsApp. She remembers only what you say yourself, and you can see and delete every item in Settings. How her memory works
Is my data safe?
We read your bank, your accounts and your finance email, and never write to your books. You sign in to your bank on its own pages, so we never see your bank login. Connection details are encrypted, you sign in with a one-time code rather than a password, and only you and the accountant you add see your figures. Every permission we ask for, and why