Autonomous financial operations

Concilo collects and reconciles for you.

Concilo collects your receivables over WhatsApp and voice. Every payment that comes in reconciles itself against your ERP. You just watch it move.

Book a demo Get the collection call yourself
Concilo · collectionsLive
ConciloGood morning, Mr. Herrera. This is Concilo, on behalf of Distribuidora Colón. Invoice #4512 for $12,480.00 was due July 20. How are we doing with that payment?
CustomerYes, sorry for the delay. I'll make the payment this Friday.
ConciloPerfect, Mr. Herrera, thank you. Talk on Friday then. Have a great day.
✓ Promise recorded · automatic follow-up on Friday
Bridge · bank ↔ ERP reconciliationAutomatic
InHerrera y Cía.$12,480.00
ACH · Banco General ···2841 · ref 88412
→Invoice #4512 · $12,480.0098%
InGrupo Roble$27,787.50
Wire · Banco General ···2841 · ref 55107
→#4489 ($18,600.00) + #4493 ($9,187.50)Split
InFarmacias Unidas$6,420.00
ACH · BAC ···7305 · ref 12094
→Invoice #4498 · $6,420.0095%
Reconciled today$0.00
One agent, three jobs

Your money's whole cycle, without touching Excel.

Collections, reconciliation and reporting are three jobs of the same agent. Each piece works on its own; together they close the cycle.

Good morning, Mr. Herrera. Invoice #4512 was due July 20…
I'll pay this Friday.
✓ Promise · Friday

Collect

WhatsApp and natural-voice calls. It negotiates like a person, verifies real payments, and escalates to a human only when your policy says so.

Herrera y Cía.$12,480.00
→ Invoice #451298%
✓ Reconciled in the ERP

Reconcile

Upload statements or connect your bank's API: every movement finds its invoice in the ERP. You review exceptions, not spreadsheets.

Collected this week$186,940.75
MTWTFS

Report

Live cash, overdue by product, and promises coming due: the dashboard builds itself, no Monday-morning Excel.

Your copilot

And every morning, it greets you with your portfolio already digested.

Ask it about a customer, request a collection, or leave it a scheduled task. What it can do on its own, it does and tells you about; what deserves your judgment, it asks you first.

CopilotOnlineThursday · 8:02 a.m.
Good morning, Gabriel. 7 payments came in overnight, already reconciled. Here's your portfolio this morning:8:02 a.m.
Collected overnight$74,320.50✓ Reconciled
Promised today$18,600.00Grupo Roble · 3:00 p.m.
No reply3 daysEl Tornillo
For your approval
Reminder to Grupo Roble · 3:00 p.m.
If the payment isn't in by then, Concilo follows up on WhatsApp.
Ask anything about your portfolio…↑
Integrations

It connects to what you already use.

Your bank on one side, your ERP on the other, Concilo in the middle. Not on the list? It comes in via API or statement imports.

Banks · Host-to-host
Banco General
BAC Credomatic
+ More banks to come
ERPs & systems
SAP
Intuit QuickBooks
Odoo

Yours? Let's talk

concilo@yourcompany.com

CC Concilo. Like one more teammate.

A customer sends you their payment receipt? A supplier invoice arrives? Forward it (or CC Concilo from the start) and get on with your day. Concilo reads what arrives, records it, and leaves it reconciled.

It doesn't get sick, doesn't fall behind, never loses a PDF.

New message
To Concilo <concilo@yourcompany.com>
SubjectFwd: Payment receipt — Herrera y Cía.
The customer just sent me this. Over to you.
Attached is the receipt for the $12,480.00 transfer, toward invoice #4512. Regards, R. Herrera.
PDFreceipt-ach-88412.pdf
✓Received
✓Read
✓Payment recorded
✓#4512 reconciled
Live demo

Get Concilo's collection call yourself. Right now.

Set up a test case, message Concilo on WhatsApp, and it collects from you as if you were the customer. No sign-up, no card.

Overdue amount
Days overdue
This is a demonstration, for Panama numbers (+507) only. You message first — that's how we verify the number is yours. We use your email and number for this demo and to follow up.
Job 1 of 3

Concilo collects for you, without losing the human touch.

Concilo writes on WhatsApp and calls by voice with the same judgment — and the same patience — as your best collector. It knows who to contact, when, and in what tone, and it never skips your rules.

Concilo · Collections — Ferretería El TornilloHigh risk
AI profile
78High risk

Breaks promises — firm approach. Best window: 10–12 a.m.

Balance & invoices
$15,000
2 overdue invoices
F-0141$7,50094 d
F-0158$7,50032 d
WhatsApp · today 9:12 a.m.
ConciloGood morning, Mr. Pinzón. This is Concilo, on behalf of Cibernética. You have an overdue balance of $15,000 across two invoices. Can we count on the first payment this week?
El TornilloThis week is tough. Next week I'll confirm, without fail.
The Profiler detected an evasion pattern — next action: phone call, Tuesday 10:00 a.m.
Decides who to contact, when, and how

The Profiler is the brain behind the agent: it looks at each customer and decides whether it's time for a WhatsApp, a call, or waiting one more day, before you even think about it.

Negotiates and records every promise

If the customer promises to pay on Friday, Concilo notes it and writes again on Friday. Nobody has to remind it.

You decide when Concilo stops

A delicate customer, a negotiation in progress? Pause the agent for that customer with one click, and resume — you or it — whenever you want.

Speaks the way your brand should

Every WhatsApp template goes through approval before it's used: Concilo follows the channel's rules to the letter.

Give your agent a name

Sofía? Valeria? The agent introduces itself with the name you choose and always speaks for your company: your customers feel like someone from your team is writing.

Book a demo
Job 2 of 3

Every payment that comes in, matched to the invoice it belongs to.

Bridge is Concilo's reconciliation engine: it crosses every bank movement against your ERP, without anyone opening a spreadsheet.

Concilo · Bridge — Banco General ····4102Live
Bank balance$213,847.92
ERP balance$213,102.09
Difference−$745.83
ACH TRANSF FERRETERIA TORNAug 14 · +$7,500.00
Suggestion · 96%
Invoice F-2026-0141Ferretería El Tornillo · $7,500.00
ACH TRANSF GRUPO AZUEROAug 13 · +$4,070.00
1 payment → 2 invoices
F-2026-0133 + F-2026-01382,500.00 + 1,570.00 ✓ adds up
TEF BANCO GENERALAug 12 · +$1,220.00
✓ Reconciled
Invoice F-2026-0127Textiles La Central · $1,220.00
Connects straight to your ERP

SAP Business One is already integrated and running; for other ERPs, Bridge connects via API or imports.

Solves split and partial payments

A customer paying three invoices in one transfer, or half of one — Bridge finds the right combination and tells you how confident it is.

CC Concilo, and you're done

Put concilo@yourcompany.com on copy of an email with a payment receipt: Concilo reads it, records it, and reconciles it on its own, like one more teammate.

You review the exceptions, not everything else

What Bridge reconciles with high confidence stays reconciled. What it can't, it sets aside for you to decide.

Book a demo
Job 3 of 3

Every morning, your portfolio already digested.

The Copilot reviews the night and greets you with what truly matters: who paid, who promised, who's gone quiet for days.

Concilo · Home360 view
Good morning, Gabriel3 promises due today · $131,070 to collect
Receivable
$131,070
17 invoices
Overdue
$83,550
8 customers
Collected · 7 days
$8,850
✓ 3 payments
Receivables aging
Current$47,520
1–30$18,300
31–60$22,100
+90$33,250
Top overdue
Ferretería El Tornillo$15,00094 d
Distribuidora Colón$12,40061 d
Grupo Azuero$9,80045 d
Farmacias del Istmo$7,15032 d
A summary, not a 40-tab report

The morning briefing tells you what happened at a glance: payments reconciled, today's promises, customers that need your attention.

A 360 view of the whole portfolio

Live cash, overdue by product or customer, and promises coming due: all in a dashboard that builds itself, no Monday-morning Excel.

Nothing moves without your approval

Every action the Copilot proposes (a reminder, a strategy change) waits for your “Approve” or your “Not now”. You're in charge.

Everything stays in plain sight, always

Every message, decision and approval is kept with its date and its why; you can review the full history whenever you want.

Book a demo