Your money
should collect itself

Cobalt is an AI agent that manages invoicing, chases late payments, reconciles your books, and forecasts cash flow. Autonomously. Every day. While you run your business.

Cobalt Agent — Live Activity
09:01 AM Generated 12 invoices for March
09:15 AM Sent payment reminder to 3 overdue accounts
10:22 AM Payment received: $2,400 from Acme Corp
11:00 AM Cash flow forecast updated: +18% vs last month
11:30 AM Reconciled 47 transactions with bank feed
02:00 PM Escalated: Invoice #1042 — 30 days overdue
The Problem

Small businesses don't die from bad products. They die from bad cash flow.

82%
of small businesses that fail cite cash flow as the primary cause
120h
spent per year by the average SMB owner on invoicing and collections manually
$3T
in global B2B invoices are paid late every year, strangling small businesses
How Cobalt Works

An AI employee for your finances

📄

Autonomous Invoicing

Cobalt generates and sends invoices based on your completed work, contracts, or sales. No templates to fill. No buttons to click.

🔔

Relentless Collections

Overdue payment? Cobalt follows up automatically with escalating reminders via email and SMS. Polite, persistent, effective.

📊

Cash Flow Forecasting

Real-time predictions of your cash position. Know exactly when money arrives and when it leaves, weeks before it happens.

🔗

Auto-Reconciliation

Bank transactions matched to invoices and expenses automatically. Your books stay clean without you touching a spreadsheet.

Built for businesses that move too fast for spreadsheets

Cobalt replaces the finance person you can't afford to hire, with an AI that never sleeps, never forgets, and never lets a payment slip through.