FinanceOps
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First-party recovery infrastructure for enterprises

Recover the revenue your payment stack leaves behind.

FinanceOps uses compliant AI agents to resolve overdue balances, collect payments, and reconcile every dollar back to your existing systems, under your brand, policies, and control.

One governed platform instead of fragmented workflows and 25–40% agency contingency fees.

No upfront platform fee. Pay only when cash is recovered.

Review security, controls, and auditability →
Hello Raul!
Collection Performance+100%Last refreshed: 3 mins ago
$62.47M5:20 PM
Collections Estimated Collections Previous Collections
12:00 AMNow, 5:20 PM06:00 PM11:59 PM
Open amount
$71.46M
CEI+100%
25.78→68.66
Cost to collect-2.12%
$44,160→$38,750
Collected amount
$62.47M
Recovery rate-2.12%
21.11%→18.98%
$0M+
recovered to date
0
compliance violations since 2023
0
portfolios live
0%
average 30-day recovery rate
Trusted across regulated finance
CIBC
Shell
GFL Environmental
City of Ottawa
WSIB
SkyOne Federal Credit Union
Curative
Deferit
Fig
Karat
NFTC
City of Barrie
Cornerstone Caregiving
Swiftstar Emergency
Enamel Dentistry
Veterinary Speciality
LAFCU

Trusted by lenders, credit unions, healthcare providers, utilities, and regulated finance teams managing high-volume receivables.

01
The problem

Most payment and receivables infrastructure was never built for recovery.

Once accounts become delinquent, most organizations rely on fragmented workflows across disconnected tools and third-party vendors. Recovery slows, accounts age, charge-offs rise, and agencies operating in your name take 25–40% of every dollar recovered. On a $50M portfolio, that is $12.5M–$20M leaving your organization every year, and every high-pressure, one-way handoff pushes the consumer to disengage before they pay.

// Money trail · Processor → CollectionsMonitoredSignal lost
Processor
Card rails
Unmonitored
no audit trail
Invoicing
AR system
Unmonitored
disputes age out
Reconciliation
Ledger
Unmonitored
acts in your name
Collections
Outside agency

✕ 3 of 3 handoffs leave the system of record, every one is a place a dollar or a complaint can disappear.

Recovery leakage you're not measuring

Every delinquent account becomes more expensive to recover the longer it ages.

By 90 days, the cost shows up in rising charge-offs and hidden agency fees.

Vendor sprawl with no shared record

A payment processor, an invoicing tool, and a collections agency, disconnected systems with no shared audit trail.

When regulators ask what happened, the liability stays with you.

Third-party compliance exposure you're carrying

Agencies operate in your name on channels you cannot fully monitor.

Their compliance failure becomes your lawsuit. Their tone becomes your brand damage.

The consumer drops out before they pay

High-pressure, one-way outreach creates friction, and borrowers disengage rather than resolve.

Ghosting becomes aging accounts, and aging accounts become write-offs.

The solution

The agentic AI platform for the payment and receivables lifecycle.

FinanceOps embeds into your workflow as your collections and payment infrastructure from day one, under your brand, your rules, and your compliance, inside one system of record.

Payments
Servicing
Reconciliation
Recovery
02
The platform

One governed system, four stages, one contract.

Accept, reconcile, recover, and govern inside one audit trail and one system of record. FinanceOps embeds into your existing workflow and operates as your own collections and payment infrastructure from day one.

// Money trail · now under one system of recordMonitored end-to-end
Processor
Card rails
Unmonitored
no audit trail
Monitored
now fully logged
Invoicing
AR system
Unmonitored
disputes age out
Monitored
resolved in-system
Reconciliation
Ledger
Unmonitored
acts in your name
Monitored
under your control
Collections
Outside agency

✓ 3 of 3 handoffs now inside the system of record, every dollar and complaint stays logged.

Your brand. Your rules. Your compliance. One contract, one audit surface, one system of record.

Accept

Embedded payment infrastructure across ACH, cards, and payment links.

every action logged

Reconcile

Invoices, payment plans, and ledger updates reconciled automatically in real time.

matched in real time

Recover

Compliant, omnichannel recovery 24/7, the right outreach, tone, and timing, without agency handoffs or recovery fees.

screened before send

Govern

Every action logged. Every message pre-screened for compliance.

fully traceable

One contract · one audit surface · one system of record
Solutions built for your workflow

A single solution for receivables, recovery, and customer communication.

One governed platform, under your brand, your rules, and your compliance, across the full receivables lifecycle.

First-Party Collections
Recover more balances with AI-driven outreach and affordability-based payment plans, operating fully under your brand.
Loan Servicing
Prevent delinquency escalation with proactive reminders, hardship detection, and real-time borrower communication.
Customer Communication & Service
Maintain continuous two-way conversations across every channel with a 24/7 multilingual AI customer engagement layer.
Dedicated Payment Infrastructure
Accept payments, automate reconciliation, and manage receivables in real time through one embedded payment platform.
Explore our solutions
03
The product suite

Adopt the modules you need.

Adopt the modules you need, every one is a facet of the same governed substrate: shared data, one audit trail, one engine. First-party collections, loan servicing, customer communication, and dedicated payment infrastructure, all under your brand.

Flagship

Autopilot

Replaces your manual outreach queue entirely, every account worked, every contact optimized, every compliance rule enforced, autonomously.

  • Analyzes every account before first contact
  • Right channel, right moment, compliance enforced before send
  • Escalates only the judgment-intensive cases
Explore Autopilot
10 mindaily human effort per deployment · 12–15% RPC vs 2% norm
Flagship

Copilot

Gives every collections professional the intelligence of your best performer, on every call, every message, every account.

  • Live sentiment and the next best response
  • Compliance coaching in the moment, before violations occur
  • Full conversation context across channel switches
Explore Copilot
<20%promise-to-pay abandonment, from a 38–45% industry norm

Dashboards

Every account, every interaction, every compliance status, one live operational command center, not a month-end report.

  • Portfolio recovery performance in real time
  • Compliance status across every active interaction
Explore Dashboards

Invoicing

Every invoice tracked, every follow-up triggered, every record audit-ready, automatically.

  • Real-time reconciliation against the ledger
  • Behavior-timed reminders and smart retry logic
Explore Invoicing

Strategy Builder

Your rules. Your compliance. The AI executes them across every account, every day, without deviation.

  • Every operational rule in your team's hands
  • Documented decision against every rule
Explore Strategy Builder

Agentic Payments

The entire receivables lifecycle on one governed system, accept, reconcile, recover, and govern under your brand, priced at 1.5% of what you recover.

  • Full payment lifecycle: accept, settle, reconcile
  • Recovery built into the rail, not bolted on after
Explore Agentic Payments
One audit trail · one compliance engine · one system of record
04
The new way to collect and get paid

Automation follows rules. Agentic AI makes decisions.

FinanceOps Agentic AI analyzes every account in real time, determines the next best action, and continuously adapts communication, timing, and payment strategies based on live customer behavior.

FinanceOps Score

Know which accounts will pay before you contact them. One score built from collectibility, delinquency, engagement, and payment-commitment history.

Medium
LowHigh
0/ 100
Proceed with Caution
Engagement (30%)14
P2P Reliability (30%, no data)50
On-time / Delinquency (25%)100
Collectibility (15%)100

Best time. Best channel. Best contact.

Reach the right customer, on the right channel, at the right moment, before balances age further.

Customer Characteristics

Easy to collectTimely paymentsCommunicative
Engagement Score0/100
Ease of collectionsGood
Live sentiment analysis
Collection agent Customer

Live sentiment analysis

Adapt tone and outreach in real time based on hardship signals, payment intent, and customer behavior.

Two-way omnichannel communication

Maintain continuous conversations across SMS, email, Voice AI, portals, and webchat without losing context.

SMSCan I split this into two payments?
Voice AI
0:091x
WebchatPerfect, thank you.
Strategy for MS customers
Choose your customer segment
Choose segments on basis of various filters
Outstanding amountis between$15,000and$45,000
Delinquent daysis between30 daysand45 days
+ Select a filter

User-controlled strategy builder

Define workflows, escalation paths, negotiation rules, and compliance guardrails while FinanceOps executes automatically.

Affordability-based payment plans

Offer realistic plans customers can actually sustain, reducing defaults and repeat delinquency.

Payment plan3 × BIWEEKLY
$0per payment · $930 balance
Monthly capacity$620 / $750
Within verified affordability
Sep 04$310.00Paid
Sep 18$310.00Scheduled
Oct 02$310.00Scheduled
Invoice
Invoice number#1290
Date issuedNov 1, 2024
Due DateNov 30, 2024

Automated invoice management

Automate reminders, retries, reconciliation, disputes, and compliance documentation across the full receivables lifecycle.

05
Security & compliance

Compliance isn't a section. It's the substrate.

Every outbound action is screened against federal, state, and your own policy before it is sent, and logged for audit. The check runs in-line, not after the fact.

0
Violations since 2023
across 48M+ screened actions
0ms
Median pre-send screen
rules evaluated before it leaves
Independently audited
GDPR
AICPA SOC 2
PCI DSS Compliant
HIPAA Compliant
Pre-send compliance engine

Compliance enforced before every customer interaction, not audited after.

Complete audit trail

Every message, decision, and payment logged inside one searchable audit surface.

Data governance

Enterprise-grade security, access control, encryption, and compliance governance built in by default.

Indemnification

If our system causes a compliance violation, we cover it, not you.

06
The math

What your agency is actually costing you.

Modeled on a $50M annually-recovered portfolio. We only win when you recover cash, 1.5% of what we recover, nothing if nothing is recovered.

On a $50M recovered portfolio
Legacy agency · 30% on recovery$15.0M
Industry-standard contingency fee
FinanceOps · 1.5% on recovery$0.75M
No subscription. No upfront cost. No per-call fee.
What it nets you
20×lower fees than a legacy agency
$14.25Mretained per year, before payments + reconciliation savings.
07
Real recoveries. Measurable results.

Real results from real portfolios.

“We recovered over $1M in delinquent balances in just 21 days, while reducing manual effort to under 10 minutes per day.”

Art Sookazian
VP Special Services · LA Federal Credit Union
$1M · 21 days
Built for modern receivables teams

From credit unions to clinics to municipalities.

Banks & Credit Unions
Member-first recovery at scale
Healthcare
Patient balances, handled with care
Consumer Lending
Cures for delinquent loan books
Fintech
Embedded, API-native collections
Utilities
Residential billing at volume
SMB Finance Teams
Automated AR for lean teams
Subscription Billing
Recover failed payments and churn
Government & Municipal
Citizen-friendly public receivables
Before you ask

The questions every CFO
asks first.

If yours isn't here, First 10k accounts free, the fastest way to get it answered against your own portfolio.

1.5% of what we recover, versus the 25–40% contingency a legacy agency charges. No subscription, no upfront cost, no per-call or per-message fee. Nothing if nothing is recovered.

Those are separate contracts with no shared record between them, the seam is where revenue leaks and the audit trail breaks. FinanceOps runs the whole lifecycle on one system of record, one contract, one audit trail, under your brand.

Every outbound action is screened against federal, state, and your own policy before it sends, quiet hours, frequency caps, consent status, and channel rules enforced in-line, not audited after. Median pre-send screen is 38ms, and if our system causes a violation, we cover it.

Every message, decision, and payment is logged inside one searchable audit surface and exportable on demand. No more reconstructing what a third party did in your name on a channel you couldn't see.

No. Each module is a facet of the same governed substrate, start where the pain is, and the rest is already connected. Most teams begin with Autopilot or Copilot and expand from there.

First 10k accounts free. Bring your actual portfolio, not a demo environment, and measure what FinanceOps recovers before you commit. If we do not collect, you pay nothing.

Talk to us

Tell us where payments are slipping.

Share your volume and where collections stall. We'll come back with the fee math on your real numbers and a recovery plan for your book, usually within one business day.

  • See the fee comparison on your actual volume
  • 0 violations, compliance built into every workflow
  • Live in weeks, not quarters
Request a walkthrough

No sales call required, bring your numbers, we'll model it.

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