Surface invoices at high risk of write-off while a save is still possible.
Setup
Resolve org ID via ZohoBilling_List_all_Organizations.
Fetch (run in parallel)
| # | Tool | Purpose |
|---|---|---|
| 1 | ZohoBilling_Get_Bad_Debt_Report |
Already written-off amounts |
| 2 | ZohoBilling_Get_AR_Aging_Details_Report |
All overdue invoices with age |
| 3 | ZohoBilling_Get_Payment_Failures_Report |
Payment failure history |
| 4 | ZohoBilling_Get_Subscriptions_Dunning_Report |
Active dunning state |
Risk scoring
For each overdue invoice compute a write-off risk score (higher = more at risk):
+ 90+ days overdue → +40
+ 61–90 days overdue → +20
+ 2+ previous payment failures for this customer → +20
+ Currently in dunning and retries exhausted → +20
+ No payment in last 120 days → +15
− Partial payment received recently → −15
− Customer has other active paid subscriptions → −10
Surface invoices with risk score ≥ 40 as at-risk.
Output
Bad Debt Risk — [date]
Already written off (YTD): $XX,XXX
At-risk receivables: $XXX,XXX across N invoices
────────────────────────────────────────────────────────────────────
# Customer Invoice Amount Days Risk Save window
────────────────────────────────────────────────────────────────────────
1 Dead Deal Corp INV-10011 $18,200 97d 🔴 High Closing
2 Struggling Inc INV-10034 $9,400 78d 🟠 Med 2–3 weeks
3 Late Payer Ltd INV-10067 $4,100 65d 🟠 Med 4–5 weeks
────────────────────────────────────────────────────────────────────────
RECOMMENDED SAVE ACTIONS (propose-only):
🔴 High risk: partial credit-note settlement or payment plan offer
🟠 Medium risk: payment plan or restructure invoice due date
Constraints
- Only surface invoices with risk score ≥ 40
- "Save window" is an estimate: (90 − days_overdue) days remaining before typical write-off
- Propose-only: no credit notes created, no write-offs applied
Edge cases
- Zero at-risk invoices: "No invoices at high write-off risk 🟢"
- Bad debt report shows prior write-offs: always include YTD bad debt figure as context