Accounts Payable Outsourcing

Accounts payable outsourcing, without the outsourcing.

We build AI agents that reconcile every invoice inside your systems, by your rules — you keep the team, the rules, and the IP.

  • AI implementation services
  • AI agents in your cloud
  • Only exceptions reach your team
  • The rules are yours to keep

Built with the leading AI platforms

NVIDIAAnthropic
Peter Enestrom, founder of Zaigo

Led by Peter Enestrom and the Zaigo AI & engineering team

YaleColumbia UniversityMicrosoft

The broken Friday

The invoice fires never stop.

From an AP floor we have sat with: an interim CFO at a waste-services broker — 2,300 hauler vendors, 29,000 customer locations, every invoice keyed by hand — weighing outsourced capacity against a better answer.

  • Fighting invoice fires

    Duplicates from the email-plus-scan double channel, late payments straining hauler relationships, an inbox that never empties — every week is triage.

  • The PO was there — “not found, not truly missing”

    The purchase order exists; nobody can find it at keying time. The match fails, the exception queue grows, and the bill waits.

  • What did it cost me last year?

    A six-yard container, serviced twice weekly, costs one number this week. What it cost last year means pulling the actual invoice, line by line.

  • “Slapped with 40% inflation — and we don’t see it”

    Vendor price increases stay invisible unless someone goes and pulls the actual invoice. At line level, across 2,300 vendors, nobody does.

  • The vendor that consistently overbills

    Everyone suspects it; nobody holds the line-level pricing history to prove it, and the follow-up call on the material variance never happens.

What manual costs

The manual way is a line item, not a feeling.

What we heard on one discovery call with a waste-services broker weighing a BPO against automation. Your numbers will differ — the first engagement puts figures on yours.

~20%Field accuracy of the nine-year-old OCR every invoice passes through before a person keys it anyway
2,300Hauler vendors on the ledger — national fleets down to one-truck operators billing from QuickBooks
90 daysJust to stand up the outsourced team — before one invoice clears faster or one rule improves

From an anonymized discovery call — a waste-services broker, 29,000 customer locations

How it works

Vendor payment automation that starts with your rules.

No new system, no outsourced floor. The rules your best AP person carries become the agents’ instructions — inside the systems you already run.

  1. 01

    Map the invoice rules

    We write down every rule a bill gets judged by — contract rates, surcharge tables, PO tolerances, what each service cost last year.

    Weeks 1–2
  2. 02

    Build the agents in your cloud

    Build invoice extraction and proposed PO matching against the agreed vendor and contract data. Test uncertain matches and approval routing with your AP team before enabling automated steps.

    Weeks 3–8
  3. 03

    Your team takes only exceptions

    Invoices that meet the tested rules can move to the next approved step. Potential duplicates, price changes, and missing rates go to a review queue, with payment approval controls agreed during scoping.

    Human in the loop
The build-or-outsource call

AP outsourcing moves the work to their floor. Encoding the rules keeps it on yours.

A BPO quotes seats and a 90-day ramp. The people learning your vendors sit on their floor, turn over, and take the knowledge with them when the contract ends.

We build AI agents that reconcile invoices inside your systems, against your encoded rules. The work stays with your team, the rules run in your cloud, and the IP stays yours.

Peter Enestrom, founder of Zaigo
Who builds it

Led by Peter Enestrom.

Co-Founder — leads AI & Engineering

Pete Enestrom

Every engagement is led personally by Pete, working with the Zaigo AI & engineering team from the two-week audit through the production handover. The person who scopes the work is the person who builds it.

Education
Yale & ColumbiaGraduate
Background
Microsoft & IntelFormer
Experience
Exited FounderVenture-Backed

Background

Questions

Asked by finance leaders weighing a BPO.

The straight answers, before you book anything.

What’s holding your business back?

A workflow ready for automation. An AI product you want to build. A problem that has sat on the roadmap for years. Let’s talk about what it would take to solve it.

Talk to Zaigo