Early access is open. Be first to put Penny to work. Join the waitlist →
Insights

Getting paid, made simple.

Guides, data and news on late payment, credit control and getting US businesses paid faster.

All Getting started Guides Data News
A business owner broadcasting automated messages that bounce back unanswered
Guides
Your accounting software doesn't have a cash-flow problem. It has a conversation problem.
You added the reminders, the late fees, the automated statements, and the same names still sit in your overdue column. The unpaid ones are not waiting for another notification. They are waiting for a conversation.
6 min read · 17 July 2026
Read the article →
Latest
A cautious business owner deciding how much control to give an AI over her money
Guides
Copilot vs Autopilot: how much control should you give AI over your money?
AI can now chase and even negotiate your invoices. The real question is not what it can do, but how much you should let it, and why the middle seat is the right one to start in.
7 min read · 17 Jul 2026
A business owner watching their customers' payments diverted through a third party that skims a cut
Guides
'Free' credit control isn't free: the price of letting someone else hold your money
A tool that chases your invoices for free sounds like an easy yes. Then you notice the free part is paid for somewhere, usually by routing your customers' payments through the provider and taking a slice of each one.
6 min read · 17 Jul 2026
A business owner printing identical chase letters with only the name changed
Guides
'Personalized' isn't personal: what a merge field can't do
Every chasing tool promises personalized reminders. Look closely and personalized usually means the customer's name pasted into the same message everyone else gets. Real personalization is a different thing.
5 min read · 17 Jul 2026

Get paid faster, in your inbox.

Practical late-payment tips and product news from Penny. No spam, unsubscribe anytime.