Adfin

Adfin’s system is not a general ledger or double-entry bookkeeping tool; it is a dedicated receivables-execution layer that ingests invoices from whatever tools a business already uses, then runs credit control autonomously — choosing reminder frequency, tone, and channel by evaluating each customer. The platform also bundles payment retries, late-fee imposition, and instalment-plan offers natively, whereas standard accounting suites typically stop at generating a PDF invoice and logging a payment.

The platform aggregates card payments, digital wallets, direct debit, and bank transfers within a single checkout or pay-link experience. Public materials reference a UK focus and benchmark its acceleration claim against the UK average payment cycle, suggesting domestic availability first; no explicit multi-currency or multi-jurisdiction licensing is claimed on the current website.

Adfin targets small and mid-sized businesses that bill other businesses on invoice terms — firms that cannot support a dedicated credit-control team and feel the cash-flow drag of manual chasing. Its marketing language emphasizes teams that are building or scaling and want to redirect hours from admin to core work, consistent with professional-services firms, trades, and B2B suppliers.

The firm describes its pricing as genuinely transparent but does not publish a public rate card. It emphasizes a fully managed migration at no separate cost, implying that implementation and onboarding are bundled into the recurring fee rather than priced as a professional-services add-on.

No regulatory registration — as an Electronic Money Institution, Payment Institution, or appointed representative — is disclosed on the firm's public website. Adfin does not clarify whether it acts as a principal for payment processing or embeds a regulated partner behind its payment-collection interface.

The 7x figure is attributed to Adfin’s own analysis comparing customer payment velocity against the UK average; it is not an externally audited benchmark. A companion stat — £30,000 recovered in working capital and credit-control costs — is similarly self-reported from an unnamed customer cohort, so prospective allocators would need to request a methodology breakdown and sample-size disclosure during diligence.

Adfin does not publicly detail its dispute-handling workflow. Its credit-control automation evaluates how best to remind each customer and execute the plan, but the site states the business stays in control, choosing what to automate and what to review — implying a human handoff for escalated disputes without specifying the trigger threshold, legal templating, or integration with professional debt recovery.