LatePay Uses TabPFN to Flag Freelance Invoices Likely to Be Paid Late

LatePay is an open-source tool that scores outstanding freelance invoices by their risk of late payment using TabPFN, a tabular foundation model. Each invoice receives a risk band from HIGH to LOW, with a suggested action such as chasing payment, requesting upfront deposits, sending a reminder, or keeping standard terms. Users can score invoices individually or upload a CSV for batch scoring, and missing client history falls back to a new-client baseline. The model is trained on a simulated dataset of 4,000 invoices rather than real payment records, so all outputs are labeled as simulated and are intended only for prioritising follow-ups, not as financial advice or credit scores. The project is built with a Python/Flask backend and a static demo that runs without a server, with code available on GitHub.