"We had $11 million past due and three collectors who didn't know which customers were the same company across four ERPs."
Cash IQ consolidates every open receivable across your ERP portfolio into a single enriched view. Assign collectors, track dunning activity, monitor payment terms compliance, and surface at-risk accounts by industry or geography.
The collections problem
Each ERP site created its own customer record. Your collector is chasing "Meridian Attractions Co," "Meridian Attract LLC," and "MERIDIAN ATTRACT" simultaneously. Same company. Same debt. Three separate chase threads and no view of total exposure.
You see what's owed. You don't see the customer's industry risk, the family-level exposure across subsidiaries, what the collector promised on the last call, or whether this account is trending worse. The number exists. The context doesn't.
When do you call? When do you send a formal notice? When do you escalate to leadership? When do you put the account on hold? That knowledge walks out the door with your most experienced collector and no one can reconstruct it from a spreadsheet.
Enrich Customer
Cash IQ starts with your raw ERP customer records, deduplicates them automatically across every system and site, and enriches the master record with third-party attributes. The result is a single golden record for every customer that carries the full receivable history, the payment behavior pattern, and the risk context your collectors need to prioritize intelligently.
Family assemblance connects subsidiaries and parent companies so your collectors see total family exposure, not just the individual entity they happen to be chasing. Industry classification via NAICS or SIC codes lets you surface at-risk customer segments before late payments become a pattern. Geographic data adds tariff and geopolitical context for customers in regions under pressure.
AR Aging Trend
Cash IQ takes a daily snapshot of your full AR balance across every ERP and shows you exactly how the aging distribution is shifting over time. Not a point-in-time report. A living trend you can act on before the over-90 bucket gets worse.
The past due percentage line tracks whether your collections effort is actually moving the needle. A shrinking current balance that moves into the 6-30 bucket looks fine on a standard aging report. On the trend chart, it's a visible signal that calls are being made but payments aren't arriving.
Filter by business unit, payment terms, assigned collector, or customer family to isolate where the problem is concentrated. A portfolio-wide trend that looks flat often hides one segment that's deteriorating rapidly.
See aging trend by business unitCollector Intelligence
Every master customer in Cash IQ has one assigned collector who owns the full relationship. Not one collector per ERP site. One collector per customer, with visibility into every open invoice across every system.
Collector compliance tracks contact frequency against dunning rules, measures how quickly accounts move through escalation stages, and flags portfolios where past due percentages are growing relative to the team average. Your best collectors become the benchmark. Everyone else sees where they stand.
Dunning alerts fire automatically based on configurable rules: days since last contact, days past due threshold crossed, invoice amount over limit, or customer entering a new risk tier. Every alert routes to the assigned collector and to the right manager, with full context attached.
See collector compliance by teamPam Everett — Meridian Attractions: $134K open balance, 47 days past due. Last contact 12 days ago. Dunning stage: Call escalation required. No collector note on file since initial outreach.
Within sixty days of go-live, our collectors knew exactly which accounts to call in what order every morning. We stopped chasing the same customer in three different systems and cut our over-90 bucket by thirty-two percent in a single quarter. The data was always there. We just couldn't see it together.
Built on the Marquis IQ Platform
Cash IQ is an add-on module. It runs on top of your existing Marquis IQ subscription, sharing the same ERP connections, master customer data, and payment records already in the system.
Customers who start paying late are sometimes signaling financial stress. Pricing IQ shows you where margin is under pressure on the sell side, and Cash IQ shows you where cash is backing up on the AR side. Together they give your finance team an early warning system for customer health that neither module delivers alone.
Your largest customers are sometimes also your largest suppliers. Cash IQ and Procurement IQ share the same master data foundation, so a company that shows up on both sides of your ledger has one record, not two separate views. Understanding the full relationship changes how you manage payment disputes and credit terms.
Every dunning threshold crossed, every collector contact gap, and every account entering a new aging bucket flows into the Daily Pulse before the workday starts. Collectors don't run queries. Managers don't build reports. The right information reaches the right person automatically, so action happens when it still makes a difference.
Bring your AR aging file. We'll walk through how enriched customer data changes the conversation your collectors have every morning, and show Cash IQ running on real data in a live environment.
No commitment. We'll tell you honestly if Cash IQ fits your situation.