Accounts Receivable Aging Analyzer
Cash Flow & Treasury
Quick Answer
Enter your AR aging data by customer and aging bucket. Paste into Claude or ChatGPT. Get a risk-tiered analysis with specific collection actions prioritized by cash impact.
What You Get
A risk-tiered AR analysis covering total AR by aging bucket, high-risk account identification, customer payment pattern assessment, cash at risk quantification, and specific prioritized collection actions for overdue accounts.
Who Is This For
Business owners managing their own collections, finance managers running AR collections, and CFOs assessing working capital health.
About This Template
The AR aging report shows who owes you money and how late they are. But the report alone does not tell you what to do about it. This template takes your AR aging data and uses AI to produce a risk-tiered analysis identifying which accounts need immediate attention, which customers show problematic payment patterns, the total cash at risk by aging bucket, and specific collection actions prioritized by cash impact.
Fill In Your Details
Your company name
e.g. June 30 2026
e.g. $185,000 current
e.g. $62,000 in 31-60 day bucket
e.g. $28,000 in 61-90 day bucket
e.g. $14,000 over 90 days
List the largest overdue balances with customer name, amount, and days overdue e.g. Acme Corp $22,000 at 67 days
Any context on why accounts are overdue — disputed invoices, slow payers, financial difficulty
Gather these details then use them to fill in the prompt below.
AI Prompts
Generate AR aging analysis
Paste this prompt into Claude or ChatGPT with your AR data filled in.
You are a collections manager analyzing an accounts receivable aging report. Using the data below, produce a risk-tiered AR analysis with specific collection actions. Company: [company_name] Report date: [report_date] Current AR (0-30 days): [current_ar] AR 31-60 days: [ar_31_60] AR 61-90 days: [ar_61_90] AR over 90 days: [ar_over_90] Top overdue accounts: [top_overdue] Payment history: [payment_history] Produce: 1. AR Summary — total AR, percentage in each aging bucket, DSO calculation 2. Risk Assessment — tier accounts as Green (current or slightly late), Amber (31-60 days, approaching concern), Red (61+ days, immediate action) 3. Cash at Risk — estimate collectability percentage for each aging bucket 4. Prioritized Collection Actions — specific actions for each Red account and the top Amber accounts 5. Payment Pattern Analysis — identify any customers showing a pattern of late payment 6. DSO Benchmark — compare your DSO to industry standard and what improvement is worth in cash Be specific about the collection actions — who to call, what to say, what to offer.
Sample Output
This is an example of what AI produces when you use this template.
AR Summary
Total AR: $289,000. Current (0-30 days): $185,000 (64%). Amber (31-60 days): $62,000 (21%). Red (61-90 days): $28,000 (10%). Critical (90+ days): $14,000 (5%). Days Sales Outstanding: $289,000 divided by ($850,000 revenue divided by 30 days) equals 10.2 days DSO. This is excellent — well below the 30-day payment terms and the typical 35-45 day DSO for B2B businesses. The AR book is healthy overall but the $42,000 in 61+ days requires immediate attention.
Prioritized Collection Actions
RED — Acme Corp $22,000 at 67 days: Call today, not email. This is your largest overdue account. Ask directly when payment will be made and get a specific date commitment. If disputed, escalate to your CEO or CFO calling their CFO — peer-to-peer escalation resolves disputes faster. If no commitment by Friday, issue a formal demand letter and consider pausing new work. RED — Smith Industries $6,000 at 78 days: Second overdue contact this month. Offer a payment plan: $3,000 immediately and $3,000 in 14 days. Getting $3,000 now is better than pursuing the full $6,000 over 60 more days. Flag this customer for prepayment terms on future orders.