STEMHQ
Arrears Intelligence

Identify and escalate rent risk before it becomes unrecoverable

Structured escalation from first missed payment to court, with every step timestamped and nothing left to a spreadsheet.

Arrears dashboard

Every tenant’s rent position is visible at a glance: colour-coded risk level, days overdue, and balance owed, updated in real time as you record payments. No spreadsheet to maintain in parallel.

Why this matters

Arrears that go unnoticed for even a few weeks compound quickly and become harder to recover. Landlords managing rent tracking by memory or spreadsheet routinely miss the point where informal contact would still have worked.

Arrears · portfolioLive
TenantRiskOwed
Flat 2, Hill Rd£3,300
8 Oak Avenue£900
35 Park Road£0

Escalation workflow

A structured five-step path from first missed payment to court claim: informal contact, formal letter, Alternative Payment Arrangement, Section 8 notice, court claim. Every step is timestamped, so you have a defensible record of exactly when and how you acted.

Why this matters

Courts expect to see a reasonable, documented attempt to resolve arrears before possession. Landlords who escalate inconsistently, or without records, weaken their own case and slow down proceedings that are often already lengthy.

Escalation path
01Informal contactDone
02Formal letterDone
03APA requestActive
04Section 8 notice
05Court claim

APA managed payment requests

Generate and email Alternative Payment Arrangement letters to local councils for tenants on Universal Credit, with a benefit-impact confirmation step before anything is sent, so you’re not redirecting a tenant’s housing payment without a clear record of consent and process.

Why this matters

APA requests submitted incorrectly, or without the required tenant notification, can be rejected by the council or create a dispute with the tenant that delays payment recovery further.

APA request · Jobcentre Plus
TenantA. Duval
Arrears (8+ weeks)£2,150
Pay direct to landlordConfirmed
!Benefit-impact confirmation required before send

Portfolio analytics

Collection rate, total rent roll, and arrears exposure rolled up across your whole portfolio, so you can see which properties are dragging down performance instead of discovering it property by property.

Why this matters

Without portfolio-level visibility, a single problem tenancy can sit unresolved for months because nothing forces it to the top of your attention until the loss is already significant.

Portfolio · 12 properties
Collection
96%
Rent roll
£42.6k
Arrears
£3.5k

See it on your own portfolio

Start free. The free plan covers up to 3 active rental agreements, unlimited properties, with no time limit.