Question 1

What is Financial Relationship Management (FRM) in Upflow?

Accepted Answer

FRM is Upflow’s next-generation approach to accounts receivable, a “CRM for Finance.” It combines collections workflows, analytics, and modern payments in a single platform, turning financial touchpoints into customer relationship opportunities. Instead of chasing invoices manually, finance teams can deliver personalized, 1-to-1 experiences that make payments faster, easier, and more positive for customers.

Question 2

How does FRM help me get paid faster and reduce DSO?

Accepted Answer

With Upflow FRM, you can:  - Automate reminders across email, SMS, calls, and tasks with **Smart Rules** that adapt to customer type, payment behavior, or invoice age. - Offer modern payment methods (card, ACH, direct debit, etc.) directly in your **branded customer portal**. - Track progress with real-time metrics like **Days Sales Outstanding (DSO)** and **Collection Effectiveness Index (CEI)**.  By combining automation, flexibility, and visibility, FRM helps you recover cash faster while freeing up your team from manual chasing.

Question 3

How does FRM strengthen customer relationships?

Accepted Answer

Every payment is a customer experience. With FRM, customers get:  - A self-service **payment portal** where they can view invoices, see balances, and pay instantly. - Flexible options like **partial payments, Autopay, or early payment discounts** (when enabled). - A clear communication channel to resolve questions or disputes directly with your team.  This frictionless experience builds trust, reduces churn, and helps finance become a growth partner, not just a back-office function.

Question 4

What makes FRM different from traditional AR automation tools?

Accepted Answer

Traditional AR tools optimize efficiency but overlook the customer. FRM is unique because it:  - Integrates **collections, payments, and analytics** into one system of record. - Focuses on customer experience with modern, B2C-like payment flows. - Enables segmentation and personalization through **Smart Rules and workflows** tailored to account type, risk profile, or geography. - Provides collaboration features like **@mentions and Slack notifications** so finance, sales, and customer success stay aligned.  FRM doesn’t just reduce late payments, it helps finance teams actively contribute to retention and growth.

Question 5

How does FRM integrate with my ERP or accounting system?

Accepted Answer

Upflow’s FRM offers **two-way integration** with leading ERPs and accounting software (like NetSuite, QuickBooks, and Xero). This means:  - All invoices, payments, and credit notes sync automatically. - Payments collected in the portal are matched and **written back to your ERP in real time**. - Reconciliation and payout sync keep your books accurate without manual re-entry. - Customization options let you configure GL accounts, exclusion rules, and parent/child account structures.  FRM fits seamlessly into your existing finance stack while enhancing its capabilities.

Question 6

Who benefits most from using FRM?

Accepted Answer

FRM is built for **B2B companies** that want to thrive in the era of efficient growth. It’s especially valuable for:  - Finance teams managing **complex portfolios or long payment cycles**. - Businesses with **recurring billing models** looking to improve predictability. - Organizations that want to reduce DSO while also **improving customer retention**.  By centralizing collections, payments, and analytics - and delivering a positive customer experience, FRM empowers finance leaders to drive both efficiency and profitable growth.

Financial Relationship Management

Faster Payments. Stronger Customer Relationships. Efficient & Profitable Growth.

Transition from chasing invoices to engaging customers. The new era of accounts receivable is here with Financial Relationship Management by Upflow.

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What is Financial Relationship Management (FRM)?

The hypergrowth era is over. It's time to pivot now, in the era of efficient growth.

From efficiency to business growth: 3 layers of value

Faster & more efficient payments with less effort

Spend less time chasing overdue invoices and reduce your DSO. Get a clear understanding of how to improve your cash collection process and win back time to focus on strategic work.

Better relationships with customers through a frictionless and positive payment experience

Increased growth through improved cashflow and better customer retention

Get paid faster, enjoy better customer relationships AND realise your full growth potential

With Upflow getting paid faster is table stakes. Go further to keep your customers happy and reduce churn in the process.

Analytics

Understand your cash collection performance through DSO and CEI reports tracked in real-time. Use advanced reports to find out who's at risk and act on it. Measure your collection rate and quickly determine the status of your cash flow.

Collections

Manage all of your invoicing and payments in one place. Create dedicated collection campaigns based on account type, persona, age of invoice, and more. Team collaboration and customer communication in one single place.

Payments

Enable modern and flexible payment methods. Give your customers the option to choose the one they prefer. Give your customers peace of mind, knowing how much they owe you and when it’s due at all times. Provide an easy communication line with your customers via their portal to avoid disputes.

WorkMotion's personalised, 1-to-1 communication with customers

"Our main goal is to create a positive customer experience when it comes to collections by ensuring we're sending and triggering reminders when it matters most."

Emilie Hart

Finance Operations Team Lead, WorkMotion

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Financial Relationship Management