The money you've earned but haven't been paid.
You did the work. You sent it over. You still haven't been paid.
See what you're owed right now, and the one client to chase first. Kelo drafts the chase in your voice, you approve before anything sends. Xero or a spreadsheet, either works.
Free to see what you are owed. £99/mo when you are ready to act.
Example figures
Owed to you right now
£21,300
typical for a UK small business.* Yours is calculated from your own accounts.
Ready to chase this week
£14,800
prioritised by value and days overdue
The problem
Most service businesses are owed more than they realise. Here's where it goes.
If you send invoices and wait to get paid, Kelo shows you exactly what's outstanding and helps you get it back.
See what you're owedWithout Kelo
Proposals go cold, you find out weeks later
Overdue amounts sit unnoticed while you're on delivery
Chasing feels awkward, so it keeps getting postponed
You know money is stuck but not which to chase first
With Kelo
Kelo flags stale proposals at day 3, before they go cold
One weekly number shows exactly what's overdue and by how much
Draft already written, you review, edit, approve, done
Priority chase list tells you which one to act on first
How it works
From connected to chasing in three steps.
Connect, read-only
Link Xero or QuickBooks in under 3 minutes. Kelo can read your invoices and nothing else. It cannot send, edit or delete anything in your accounts.
See your number
Kelo works out what you are actually owed from your own accounts, then sorts every overdue amount by value and days late.
Approve the chase
Each week Kelo hands you the one account worth chasing, with a draft in your words. You read it, edit it, approve it. Nothing sends without you.
Live now
Chase your unpaid invoices
Your work is done. Your invoice is waiting. Kelo connects to Xero or QuickBooks, surfaces every overdue amount, and gives you a prioritised chase queue, sorted by value, days late, and payment history, with a draft you approve before anything sends.
Beyond overdue invoices
Unchased proposals
IncludedHalf your proposals die in silence. Kelo also surfaces the quiet quotes you have sent, in the same queue, so you can follow up before they go cold.
Cold enquiries
Beta, coming soonA missed call, a WhatsApp message, a form that never got a reply. New enquiries arrive across different channels and the ones you don't get to quickly go quiet. Kelo will bring them into one place and remind you to respond before they go cold.
Safe by design
Your accounts and your clients stay yours.
Kelo connects read-only and works approval-first. It can see what you are owed, but it cannot touch your accounts or reach a client without you.
Read-only connection
Kelo reads your invoices to work out what is overdue. It cannot change, send or delete anything in Xero or QuickBooks.
Nothing sends without you
Every chase is a draft you read and approve. Kelo never emails a client on your behalf without your explicit sign-off.
Your number, before you pay
Connect read-only and Kelo shows your actual figure from your actual accounts. You decide after you have seen it.
Kelo is early, early enough that you would talk to us directly.
We have no customer stories to show yet, and we will not invent them. When customers agree to be quoted, their words will appear here with their names on them. Until then, if you want to know how something works before you connect anything, email us and you will get a straight answer from someone who built it.
Edit anything. This sends as you, from you.
Kelo drafts each chase in your voice and you send it from your own inbox, so it lands like a personal email, not an automated chaser. Nothing goes out without your sign-off. Your relationships stay yours.
Who Kelo is for
Built for any owner-run service business that sends invoices and waits to get paid.
Kelo works best when clients owe you money on agreed terms. If you are mostly on retainers or take payment at the point of service, your overdue exposure may be lower. Not sure? The calculator will tell you in 60 seconds.
You invoice after the work is done
Kelo shows every overdue invoice sorted by amount and days late, then helps you chase each one with a draft you approve before anything is sent.
You send quotes or proposals and wait
Kelo also surfaces the quiet quotes you have sent, in the same queue, so you can follow up at the right moment instead of letting them die in silence while you are heads down on delivery.
You get enquiries that sometimes go cold
Coming soon: Kelo will nudge you when the response window on a new enquiry is closing, so potential clients do not drift away before you respond.
A 10-minute weekly check-in, not another dashboard to manage.
Connect your accounts once. Every Monday, Kelo sends you a summary of what is overdue, your priority chase list, and the drafts ready to approve. Nothing auto-sends. You approve everything.
Frequently asked questions
What does Kelo actually do?
Shows you how much you are owed in unpaid invoices right now, pulled from your own Xero or QuickBooks data, then helps you chase each one with a draft you approve. It also surfaces the quiet quotes you have sent, in the same queue. Nothing sends without you. Enquiry tracking is coming next.
Does Kelo automatically email my clients?
No, and it never sends from a Kelo address. You approve each message and it goes from your own inbox, in your own words, so it reads like a personal note and not an automated chaser. Your client relationships stay yours.
Which accounting software does Kelo connect to?
Xero and QuickBooks. Connect takes under 3 minutes. Sage support is coming soon.
Who is Kelo built for?
Any UK owner-run service business that sends invoices and waits to get paid. Kelo works best when clients owe you money on agreed terms. If you are mostly on retainers or take payment at the point of service, use the calculator first to see if your overdue exposure is significant.
*The average UK small business is owed around £22,000 in overdue invoices at any given time. Source: Xero Small Business Insights and FSB, 2025. Figures shown are illustrative examples based on published averages. Your actual figure is calculated from your own account data after connecting.