Vasuli

Recover overdue invoices under MSME with legal escalation

Fintech

Payments

Legal

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We didn’t start with a product. We started with frustration. Late payments are not just a financial problem — they’re emotional. We saw founders, finance teams, and especially MSMEs constantly chasing their own money. Not because they didn’t work hard, but because collections are broken. Follow-ups feel awkward, reminders get missed, and cash flow becomes unpredictable. It’s a silent stress that no one talks about enough. That’s what inspired us to build Vasuli. We wanted to solve a very real, very human problem — the discomfort and inefficiency around asking for what is already yours. MSMEs and growing businesses shouldn’t have to beg for payments. They should have systems that work for them, consistently, professionally, and without friction. When we started, our approach was simple: automate reminders. But very quickly, we realized this problem runs deeper. It’s not just about sending reminders — it’s about **who to remind, when to remind, how to remind, and what actually works.** So we evolved. We introduced **smart, scheduled reminders** that go out automatically across channels like WhatsApp, email, and SMS — so no follow-up is ever missed. We built **selective reminder controls**, allowing businesses to choose exactly which invoices need attention instead of notifying everyone blindly. We added **personalized messaging and templates**, so every reminder feels professional and well-crafted, not robotic or uncomfortable. Then came **behavior-based follow-ups** — where the system adapts frequency and tone depending on how a customer has responded in the past. We also focused heavily on visibility. With **real-time dashboards**, businesses can instantly see outstanding amounts, recovery rates, and which customers are delaying payments. Through **insights and tracking**, they can identify patterns — who pays late, who needs multiple nudges, and where money is getting stuck. And because collections is not just about reminders, we built **automated workflows** that escalate follow-ups gradually — from gentle nudges to stronger reminders — without damaging relationships. But we didn’t stop at reminders and workflows. For MSMEs especially, delayed payments are not just inconvenient — they can be crippling. So we introduced a **government-backed escalation pathway**, integrating with systems like MSME Samadhaan — where businesses can formally raise cases against delayed payments and seek resolution through the MSME facilitation mechanism. We also aligned with frameworks like MSME Sampark / MI for Buyers, helping businesses maintain better visibility and credibility in buyer-supplier relationships, and enabling more structured, compliant recovery processes. Instead of feeling helpless, businesses now have a layered approach — from smart reminders to formal escalation — turning pressure into process. Every step of the way, our approach evolved by listening to real users — their hesitation in sending reminders, their time lost in manual tracking, and their need for a system that just works in the background. This launch is not the final product — it’s the first real step towards redefining how businesses, especially MSMEs, recover payments. From chasing money to controlling cash flow. Because getting paid shouldn’t feel like a struggle. It should feel like a system.