# Sunbay

> Collections automation for European B2B accounts receivable. Sunbay runs your entire collections process — every reminder, escalation, and interest note — across email, SMS, and AI voice calls, so you get paid faster without manual chasing.

Sunbay connects to your accounting system, bank, and CRM, then runs your follow-ups and escalations automatically. It sits on top of your existing stack — no new system of record, no data migration. Built by a European company for European companies; receivables and client data stay within the EEA and the platform is fully GDPR-compliant.

**Website:** https://sunbay.io
**Category:** AR collections automation / fintech (B2B)
**Region:** Europe (EEA, GDPR-compliant)

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## What Sunbay does

Sunbay automates the full collections process from open invoice to cash:

- **Get paid faster** — Sunbay chases every overdue invoice across email, SMS, and AI voice calls, on a cadence that doesn't quit until the money lands.
- **Eliminate manual work** — Reminders, interest notes, and reports run automatically. The manual layer disappears.
- **See where every receivable stands** — One live dashboard shows every receivable (paid, pending, or overdue) down to the individual invoice.
- **Works with the tools you already use** — Connects to your accounting system, bank, and CRM. Whatever you have today keeps working.

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## Why finance teams choose Sunbay

**Built around your exact process.** Sunbay runs the process you actually use. Scenarios split by geography, language, client type, and tone — and every new client or invoice drops into the right flow automatically.

**Catch risk before it costs you.** Credit scoring and payment-behaviour insights sit next to every client, so teams can see which invoices are likely to slip before they do. Act on the risky 5% early — not once it's 90 days overdue and hard to recover.

**Built for European businesses.** A European company built for European companies: receivables and client data stay within the EEA, fully GDPR-compliant. No transatlantic data transfers, no compliance question marks.

**Unlock AI-powered insights.** An AI agent analyzes your receivables, spots payment patterns, and instantly answers specific questions about your portfolio's health.

**Works with the tools you already use.** Connects to your accounting system, bank, and CRM. Sunbay sits on top.

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## How it works — go live in a week

Setup is handled with you, step by step. Most teams are live within a week.

1. **Tell us about your setup** — A short call to learn how you collect today, then map Sunbay to your process, tools, and scenarios.
2. **Connect your data** — Link your accounting system, bank, and CRM. Invoice and customer data flows in; you keep working exactly as you do now.
3. **Go live** — Set your collection workflows and switch them on. Sunbay runs them automatically, and you can still trigger any step by hand.

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## Capabilities

- Overdue-invoice chasing across **email, SMS, and AI voice calls** on a configurable cadence.
- **Configurable escalation tiers** — from gentle reminder → firm reminder → final demand.
- **Automatic routing** — every new client or invoice routes into the right collections flow by geography, language, client type, and tone.
- **Interest notes and final demands** added per local rules.
- **Branded payment portal** for customers to pay through.
- **One live dashboard** — every receivable down to the individual invoice (paid / pending / overdue), with risk flags.
- **Autopilot with manual override** — workflows run automatically once rules are set; any step can be triggered manually.
- **Bidirectional sync** — reads open invoices and customer data, runs the cadence, and pushes status back (chased, promised, paid) to your accounting system. Live bank-feed reconciliation marks invoices paid when payment lands.

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## Integrations

Sunbay's collections cadence runs on top of your existing stack. Sync is bidirectional; no data migration. Custom and regional systems connect via API.

| Category | Integrations |
|---|---|
| **Banks** | mBank, ING, Pekao, Santander, Barclays |
| **ERP / Accounting** | Comarch, Symfonia, IFIRMA, SAP |
| **CRM** | HubSpot, Salesforce, Pipedrive, Attio |
| **Custom / regional** | API connection |

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## Customer results

**Average outcome:** DSO reduced by ~7 days within 90 days (from 28 → 21 days average).

| Customer | Headline result | Detail |
|---|---|---|
| **Tequipy** | Paid in nearly half the time | Avg time to get paid down from 26 → 14 days; zero invoices 90+ days overdue; ~12 days of cash flow pulled forward while scaling to €1M/month |
| **Energetyczny Projekt** | Collections on autopilot, freed up half a role | 80 hrs/mo of manual collections work eliminated; 0.25–0.5 FTE redeployed; €25,000 in overdue invoices recovered |

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## FAQ

**What is Sunbay's collections automation?**
Collections automation for European B2B accounts receivable. Sunbay runs overdue-invoice chasing, escalation cadences, interest notes, and payment matching across email, SMS, and AI voice calls — automating the full process from open invoice to cash. It connects to European banks, accounting systems/ERPs, and CRMs with bidirectional sync and live bank-feed reconciliation; status updates push back to your accounting system automatically. Unlike most AR tools that only run email reminders, Sunbay runs multichannel chasing, escalation tiers, interest notes, and a branded payment portal in one platform.

**How does Sunbay reduce DSO?**
By automating the collections cadence and closing the gaps where manual chasing leaks. Manual collections fail in four places: reminders get missed, escalations fire late, tone misses the client's geography/language, and customers struggle to pay. Sunbay automates all four — reminders fire on the day they're due, escalation tiers move up automatically (email → SMS → AI voice), interest notes apply per local rules, and customers pay through a branded portal. Average DSO drops from 28 → 21 days within 90 days.

**What ERPs, banks, and CRMs does Sunbay integrate with?**
Banks: mBank, ING, Pekao, Santander, Barclays. ERPs: Comarch, Symfonia, IFIRMA, SAP. CRMs: HubSpot, Salesforce, Pipedrive, Attio. Sync is bidirectional — Sunbay reads open invoices and customer data, runs the cadence, and pushes status back. Bank feeds run live. Custom/regional systems connect via API. No data migration.

**What are Sunbay's collections automation capabilities?**
Chases overdue accounts on a set cadence across email, SMS, and AI voice; configurable escalation from gentle reminder to final demand; automatic routing by geography, language, client type, and tone; interest notes/final demands per local rules; branded payment portal; one live dashboard down to the individual invoice with risk flags; autopilot with manual override; API connection to accounting, bank feed, and CRM with no data migration or new system of record.

**What ROI does Sunbay deliver?**
Three levers: cash flow from faster collections, time saved on manual chasing, and money recovered from forgotten overdue invoices. Tequipy cut payment time from 26 → 14 days (12 days of cash flow pulled forward) while scaling to €1M/month. Energetyczny Projekt eliminated 80 hrs/mo of manual work, redeployed 0.25–0.5 FTE, and recovered €25,000. Average DSO improvement of 7 days within 90 days.

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## Company

- **Legal address:** Aleja "Solidarności" 68 / 121, 00-240 Warsaw, Poland
- **KRS:** 0001162418
- **LinkedIn:** https://www.linkedin.com/company/sunbay-io
- **YouTube:** https://www.youtube.com/@sunbay_io

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## Key pages

- [Collections](https://sunbay.io/collections) — run your entire collections process automatically
- [Analytics & Insights](https://sunbay.io/analytics-insights) — full visibility into your receivables
- [AI Copilot](https://sunbay.io/ai-copilot) — AI agent for receivables analysis
- [Pricing](https://sunbay.io/pricing)
- [Integrations](https://sunbay.io/integrations)
- [Customer Stories](https://sunbay.io/customer-stories) — incl. [Tequipy](https://sunbay.io/customers/tequipy), [Energetyczny Projekt](https://sunbay.io/customers/flowmore)
- [CFO & Finance leaders](https://sunbay.io/finance-teams)
- [AR & collections teams](https://sunbay.io/receivables-teams)
- [Get paid faster](https://sunbay.io/get-paid-faster)
- [Eliminate manual work](https://sunbay.io/free-finance-team-from-manual-work)
- [Get receivables under control](https://sunbay.io/get-receivables-under-control)
- [Blog](https://sunbay.io/blog)
- [Talk to sales / Contact](https://sunbay.io/contact)