See how Kelo works for any service business
You did the work. The client has gone quiet. Get paid.
See what you are owed and chase it in your own voice. Connect Xero or upload a spreadsheet, either works.
Built for UK freelancers and sole traders who are too busy delivering to chase.
Why freelancers lose money they have already earned
- ✓See everything you are owed in one number, no spreadsheet juggling
- ✓Chases written in your voice, you approve before anything sends
- ✓Works on top of the tools you already use, Xero, QuickBooks, or a plain spreadsheet
- ✓Not just email templates, Kelo actually sends and follows up for you
- ✓Escalate politely to statutory interest and a letter before action when a client stalls
- ✓A 10-minute weekly check-in, not another app to log into every day
Why freelancers lose money to late payment
How much are UK freelancers owed on average?
Around £5,230 at any given time, per IPSE. Over a third are paid late each year, and the average freelancer spends about 20 days a year chasing. Kelo turns that into one weekly action.
Charging interest when a client pays late
Can a freelancer charge interest on a late invoice in the UK?
Yes, on business debts: 8% above the Bank of England base rate plus £40 to £100 fixed recovery per invoice. The March 2026 reforms make the 8% statutory rate mandatory and cap terms at 60 days. Kelo can add this to a chase when a client stalls.
Chasing without wrecking the relationship
How soon should a freelancer chase a late payment?
The day it goes overdue, with a polite reminder, then on a schedule. Kelo drafts each one in your voice and sends it from your own inbox, so it reads like a personal note, not an automated chaser.
You do not need accounting software
Do you need Xero to chase invoices?
No. Connect Xero or QuickBooks if you use them, or upload a plain spreadsheet. Kelo reads what you are owed and drafts the chase either way, so a template pack you copy by hand is not the ceiling.
Want it tuned for freelancers?
Tell us how you work
Overdue chasing is live today. If you want a lighter, freelancer-first setup, tell us and we will let you know as it lands.
Frequently asked questions
Can a freelancer charge interest on a late invoice in the UK?
Yes, when you invoice a business. Under the Late Payment of Commercial Debts Act you can claim statutory interest at 8% above the Bank of England base rate, plus a fixed recovery charge of £40 to £100 per invoice. The March 2026 reforms make an 8% statutory rate mandatory on commercial debts and cap payment terms at 60 days.
How soon should a freelancer chase a late payment?
Send a polite reminder the day it goes overdue, then follow a schedule: a firmer nudge a week later, and a formal notice with statutory interest after that. Chasing early and consistently gets you paid faster than one awkward email weeks later.
Do I need accounting software to chase invoices?
No. Kelo connects to Xero or QuickBooks if you use them, but you can also upload a plain spreadsheet. It reads what you are owed and drafts the chase either way.
How much are UK freelancers owed on average?
Around £5,230 at any given time, per IPSE. Over a third of freelancers are paid late each year and the average freelancer spends about 20 days a year chasing payments. Kelo turns that into one weekly action.