Assuming there are no invoice disputes, the invoices are valid, and you want to prioritize by cash exposure + delinquency risk + collection effort, I would rank them as follows:
Collection priority ranking
| Priority | Customer | Balance | Days overdue | Why this rank | Recommended action |
|---|---|---|---|---|---|
| 1 | Customer C | SAR 27,500 | 34 days | Highest balance and has asked for installments verbally. Needs a formal written payment plan before it becomes a long-term overdue account. | Send a firm but collaborative reminder, request a signed installment schedule, and ask for a first payment immediately. If no response, pause deliveries/services or credit. |
| 2 | Customer B | SAR 4,300 | 62 days | Already ignored two reminders. This is now a serious delinquency and may require escalation. | Send a final notice, call the customer, consider suspending services, and prepare for collections/legal action if needed. |
| 3 | Customer A | SAR 12,000 | 15 days | Large balance but only slightly overdue and historically reliable. Likely an easy collection if handled early. | Send a friendly reminder and confirm the payment date. Do not escalate yet. |
| 4 | Customer D | SAR 950 | 95 days | Very old account, but small balance. Collection effort may exceed the recoverable amount. | Send one final notice, then decide whether to refer to collections, charge off, or write off according to your policy. |
Note: If your internal policy prioritizes purely by aging, Customer D could be ranked above Customer A. However, for practical cash collection, Customer A is higher priority because the balance is much larger and the customer is likely to pay quickly.
Reminder messages
1. Customer C — Formal installment request
Subject: Invoice [Invoice No.] overdue 34 days — payment plan required
Dear [Customer Name],
Our records show that Invoice [Invoice No.] for SAR 27,500 is now 34 days overdue.
You previously mentioned the possibility of paying in installments. To protect the account and avoid escalation, please provide a written payment schedule by [date], including:
- First installment amount
- Payment date
- Remaining installment dates
- Confirmation of the total balance
Please also arrange the first payment by [date] or send proof of payment today.
If we do not receive payment or an agreed schedule, we may need to pause deliveries/services until the account is regularized.
Thank you for your prompt attention.
Best regards,
[Your Name]
2. Customer B — Final escalation notice
Subject: Final reminder — Invoice [Invoice No.] overdue 62 days
Dear [Customer Name],
Despite two previous reminders, Invoice [Invoice No.] for SAR 4,300 remains unpaid and is now 62 days overdue.
Please settle the balance by [date] or contact me immediately if there is a genuine issue preventing payment.
If we do not receive payment or a firm commitment by [date], we will need to take further steps, which may include suspending services, referring the account to collections, or pursuing legal action.
We would prefer to resolve this directly.
Best regards,
[Your Name]
3. Customer A — Friendly reminder
Subject: Friendly reminder — Invoice [Invoice No.] overdue 15 days
Dear [Customer Name],
I hope you are well.
Our records show that Invoice [Invoice No.] for SAR 12,000 is now 15 days overdue. As you have always been prompt with payments, this may simply be an oversight.
Could you please arrange payment by [date] or let me know if there is any issue with the invoice?
Thank you, and please let me know if you need a copy of the invoice or payment details.
Best regards,
[Your Name]
4. Customer D — Final notice before write-off/collections
Subject: Final notice — Invoice [Invoice No.] overdue 95 days
Dear [Customer Name],
Invoice [Invoice No.] for SAR 950 is now 95 days overdue and remains unpaid despite previous reminders.
Please settle the balance by [date].
If payment is not received by [date], we will close this matter internally and may refer the account to collections or write it off according to our policy.
Best regards,
[Your Name]