Paydar: my laptop reads my invoices and tells me which clients will pay late

Description and use

Paydar helps freelancers forecast cash flow, identify late‑paying clients, and send proactive reminders, reducing debt risk.

Problem

Freelancers often run out of cash between completing work and receiving payment, leading to debt and missed expenses.

Outcome

Paydar enables freelancers to forecast cash flow, identify late‑paying clients, and send proactive reminders, reducing debt and improving financial stability.

Workflow

• Drop invoices (PDFs, emails, photos) into a folder
• Gemma 4 E2B reads invoices locally and extracts client, dates, terms, total, PO number, late fee flag
• TabPFN predicts probability of >7 days late and pay‑date range using 17 engineered features
• Forecast weekly cash balance under expected and pessimistic scenarios
• Generate reminder email drafts timed 3 days before due date for high‑risk invoices
• Provide interactive queries like "Can I afford a $1,500 laptop on November 3rd?"

Evidence

Drop your invoices in a folder. A small Gemma model on your laptop reads them

Source

Predicts how each invoice will actually be paid with TabPFN, trained on your own payment history

Source

Projects your bank balance week by week under an expected case and a "everyone drags their feet" case

Source

Drafts reminder emails timed to the risk

Source