Small businesses and freelancers chase overdue invoices by hand with no system to prioritize aging receivables

Operators across HN repeatedly describe accounts-receivable collections as a manual slog: tracking who owes what in spreadsheets, remembering to send follow-ups, and chasing low-value accounts while high-value balances quietly age past recovery. The long-running open-source invoicing thread (734 pts) and Modernbanc's accounting launch (123 pts) show sustained demand for billing/AR tooling, and a Dec-2025 'Tell HN' argues accounting is the real low-hanging automation target, not coding. The gap is an AR layer that ranks aging invoices by recovery risk and runs the chase sequence automatically. Avoid generic QuickBooks-clone framing; the differentiated sub-problem is prioritized, automated dunning for solo operators and SMBs.