Garfield AI is an AI-powered law firm for small business debt recovery, authorised and regulated by the Solicitors Regulation Authority (SRA). It reads a business's invoices or contracts, then writes and sends the legal letters needed to recover unpaid debts up to £10,000, escalating through the small claims court if required. It is aimed at sole traders and small businesses with unpaid invoices, and at companies that deal with unpaid invoices regularly.
Product
Garfield AI
Use cases
Headquarters
United Kingdom
Last updated
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What Garfield AI does
Users add their invoices, upload contracts or link their accounting software, and Garfield reads and understands the claim. Its AI drafts and sends the correspondence, from polite chasers and a formal letter before action through to handling defences at trial, and keeps the client updated. It pushes for quick, amicable payment first and can escalate through the small claims court. If a court has already ordered a debtor to pay, the judgment can be uploaded and Garfield moves straight to enforcement. For businesses with many unpaid invoices, Garfield links to accounting software to find outstanding debts automatically, handles high volumes of claims, and lets finance, legal and operations staff work together with role-based permissions. Fees are charged per step: Garfield AI's calculator shows a letter before action costing £2.00, its comparison table cites fees starting at £7.50, and Garfield's recoverable fees are kept at or below the amounts courts allow under CPR Part 45. The AI Firm Index describes Garfield as the first fully AI-powered law firm authorised by the SRA.
What it does
Garfield AI core capabilities
Single claim
For sole traders and small businesses with unpaid invoices.
Multiple claims
For businesses that regularly deal with unpaid invoices.
Link your accounting software
Finds and pursues outstanding debts automatically.
Collaborate with your team
Role-based access for finance, legal and operations.
Enforcement
Upload an unpaid judgment to go straight to enforcement.
Technical specifications
- Accounting software integration
- Bulk claim creation
- Available 7 days a week
Case studies
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Trust & compliance
Garfield AI security at a glance
Security certifications
Named enterprise customers
Pricing details
Garfield AI pricing
Starting price
Pricing model
Free version
Fees are charged per step, from £2.00 for a letter before action on Garfield AI's website example; its comparison table cites fees from £7.50. Recoverable costs can be claimed back if you win.
Product videos & screenshots
See Garfield AI in action
Product interface
Garfield AI Interface
Comparisons
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Transparency
Garfield AI sources
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FAQs
Frequently asked questions about Garfield AI
Garfield charges per step rather than by the hour. Garfield AI's cost example shows a letter before action at £2.00, and its comparison table cites fees starting at £7.50. Fees exclude VAT, court fees are separate, and Garfield's recoverable fees are kept within what the court allows under CPR Part 45.
Garfield is for sole traders and small businesses with unpaid invoices, and for businesses that deal with unpaid invoices regularly. It handles debt claims up to £10,000 and lets finance, legal and operations staff work on claims together with role-based permissions.
Yes. Garfield is authorised and regulated by the Solicitors Regulation Authority. The AI Firm Index describes it as the first fully AI-powered law firm authorised by the SRA, specialising in small business debt recovery and small claims.
Yes. Garfield integrates with accounting software so it can identify outstanding debts automatically and turn unpaid invoices into recovery claims, which suits businesses with a high volume of invoices.
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