Stuut

• Working the long tail of small and mid-size B2B accounts that a collections team never gets to, by email, SMS and phone
• Calling customers about invoices that are about to go overdue, with full account context, and logging any promise-to-pay
• Matching a lockbox file or bank feed full of short-pays and unremitted payments to open invoices and posting the result to SAP, Oracle, NetSuite or Dynamics the same day
• Investigating a batch of retailer deductions: pulling the POD and pricing agreement, separating valid claims from invalid ones, and building the package to dispute the rest
• Following up on invoices that sit in customer AP portals as part of the collections cadence, without a person logging in to each portal
• Running collections consistently across many branches or entities that sit on different ERPs

Stuut's pitch is that AR software has long been good at telling a collector which invoice to chase and bad at chasing it. Its agents send the email, place the call, log into the portal, apply the cash and build the deduction case, and keep the context from one step to the next, which is where traditional point tools hand work back to people. That makes it most interesting for companies with a long tail of accounts and messy remittance, where human attention is the real limit. The open questions are commercial and reputational rather than technical: enterprise pricing is only available through sales, the public documentation is thin, and an agent that phones your customers in your name needs agreement on tone, disclosure and escalation from sales and customer success, not just finance. Start with human review on a low-risk segment, as Stuut itself suggests, and judge it on your own DSO and exception rates rather than the vendor's averages.

About Stuut

Stuut, based in New York and founded in 2024, started as an AI collections agent and has since widened into what it calls order-to-cash: the work between a customer placing an order and the cash landing in the right ledger. The product is a set of connected agents. The collections agent scores every open account by payment history, aging and risk, then calls, texts and emails customers and works their AP portals, adjusting message, timing and channel as replies come in and logging every touch, promise-to-pay and broken promise. The cash application agent reads remittance from PDFs, emails, spreadsheets, lockbox files, portals and bank data, matches payments to invoices across entities and currencies, works short-pays, overpayments and splits, and posts cash to the ERP the same day. The payments agent puts an invoice-scoped ACH or card payment link into every message, and the disputes and deductions agent ties each claim to its invoice, categorizes it against your reason codes, pulls contracts, BOLs and PODs out of email threads, and either resolves it or builds the package to contest it. Stuut's homepage also lists an order management agent that checks orders against pricing and terms and a credit agent that recommends credit terms, but marks both as coming soon. What sets Stuut apart from rule-and-template AR software is that the agent does the outreach and the matching itself instead of handing a worklist to a collector, and that context carries across steps: the agent that writes the dunning message also generates the payment link and applies the cash. Control is set by the customer. Stuut says you decide who it contacts, how often, on which channels and what needs approval, that autonomy can be set per channel and per customer segment, and that most teams start with human review on everything before opening up autonomous outreach on lower-risk accounts. Playbooks hold your payment terms, reason codes, escalation rules and cadences in one place, and the agent proposes Playbook edits for your team to approve when it spots a pattern. Every action is logged. Stuut connects to SAP, Oracle, NetSuite, Microsoft Dynamics 365 and Sage, plus email, CRM, telephony, banks and payment processors, and says most customers are live in 3 to 5 days without replacing their ERP. Stuut Shield adds a tokenized PII vault, with an optional bring-your-own-key tier. On October 7, 2026 Stuut announced a $52.5M Series B led by Insight Partners with Andreessen Horowitz, M12 and Activant, and said more than 150 companies use it and over $3 billion has moved through the platform; those figures, like its DSO and cash-flow results, are Stuut's own. The tradeoffs: enterprise pricing is not published, the collections page says the product is built for companies with $100M+ in annual revenue, there are no public product docs or API, the AI models are not disclosed, and an agent that phones and emails your customers in your name is a decision that needs sign-off from more than the AR team.