FinanceOps
Book a Demo
Agentic AI for Receivables

Recover More Receivables.

FinanceOps Agentic AI recovers failed and overdue payments, engages customers across every channel, and reconciles every dollar to your existing systems in real time.

Built for the dollars your payment processor leaves behind.

No upfront cost. No subscription. No success fee.

Review security, controls, and auditability →
$400M+
Recovered across customer portfolios.
$1M in 21 days
Recovered by LA Federal Credit Union from legacy accounts.
Hello Raul!
Collection Performance+100%Last refreshed: 3 mins ago
$48.31M5:20 PM
Collections Estimated Collections Previous Collections
12:00 AMNow, 5:20 PM06:00 PM11:59 PM
Open amount
$74.02M
CEI+110.9%
21.15→44.60
Cost to collect-6.1%
$46,980→$44,120
Collected amount
$48.31M
Recovery rate+6.6%
17.47%→18.62%
0
Portfolios live.
0%
Recovery rate across eligible portfolio balances.
0
Recorded compliance violations since 2023.
0M+
Customer actions screened.
0ms
Median compliance screening time.
0.0%
Success fee charged after the new customer offer ends.
Trusted Across Industries
WSIB
SkyOne Federal Credit Union
Curative
Deferit
Fig
Karat
NFTC
City of Barrie
Cornerstone Caregiving
Swiftstar Emergency
Enamel Dentistry
Veterinary Speciality
LAFCU

Trusted by financial services, healthcare, utilities, government, and consumer businesses managing high volume receivables.

01
The problem

Recovery Starts Too Late.

Most payment and receivables infrastructure was built to process transactions.

The Broken Money Trail

Payment fails

The processor stops after its retry logic is exhausted.

Invoice ages

Follow up depends on manual work and disconnected systems.

Context disappears

Customer conversations, disputes, and payment commitments live in different places.

Reconciliation breaks

Payments and payment plans must be matched to invoices and ledgers manually.

Agency charges up to 30%

Traditional agencies can keep a significant share of every dollar recovered.

Every handoff outside your system creates another place for revenue, customer context, and accountability to disappear.

02
The solution
One Connected Platform

Recover. Reconcile. Govern.

FinanceOps Agentic AI connects payments, recovery, and compliance inside one accountable operational record.

Accept

Accept payments through ACH, cards, payment links, and approved payment plans.

Reconcile

Match invoices, settlements, payment plans, and ledger updates automatically in real time.

Govern

Screen every outbound action and log every message, decision, payment, dispute, strategy change, and escalation.

One contract. One audit trail. One accountable record.
What FinanceOps does
Built for your workflow

One Platform. More Recovery.

First Party Collections
Recover overdue balances through personalized outreach and sustainable payment plans operating fully under your brand.
Loan Servicing
Prevent delinquency escalation with proactive reminders, hardship detection, and real time borrower communication.
Customer Communication
Maintain multilingual conversations across SMS, email, Voice AI, webchat, and payment portals without losing context.
Payment Infrastructure
Accept payments, manage payment plans, automate reconciliation, and update account records in real time.
Explore Our Solutions
Connect. Engage. Recover.
Real conversations. Real recoveries.
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
Agentic AI
A smarter way to recover

AI Chooses What Comes Next.

FinanceOps Agentic AI analyzes every account in real time and continuously adapts communication, timing, channel, tone, and payment strategy within the rules your team controls.

FinanceOps Score

Prioritize every account using a live score that combines 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.

Reach each customer through the channel and timing most likely to produce a response.

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 using live signals such as payment intent, dissatisfaction, disputes, and financial hardship.

Omnichannel Conversations

Maintain one continuous conversation across SMS, email, Voice AI, webchat, and payment portals 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

Strategy Builder

Define account segments, workflows, negotiation limits, escalation paths, approvals, and compliance guardrails.

Affordable Payment Plans

Offer realistic payment arrangements within your approved limits that customers are more likely to complete.

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 Workflows

Automate invoice delivery, reminders, retries, disputes, payment plans, reconciliation, and compliance documentation.

05
Compliance
Security and compliance

Compliance Before Contact.

FinanceOps Agentic AI screens every outbound action against applicable requirements and your internal policies before it is sent.

0ms
Median compliance screening time.
0M+
Customer actions screened.
0
Recorded compliance violations since 2023.
Independently audited
GDPR
AICPA SOC 2
PCI DSS Compliant
HIPAA Compliant
Security Standards
  • ISO 27001 Certified
  • SOC 2 Type II
  • HIPAA Compliant
  • GDPR Ready
  • PCI DSS Level 1
Pre Send Compliance

Apply compliance requirements before every customer interaction instead of auditing activity after delivery.

Complete Audit Trail

Search and export every message, decision, payment, dispute, strategy change, and escalation.

Data Governance

Protect customer and payment data through encryption, access controls, role based permissions, monitoring, and documented retention policies.

Controlled Autonomy

Define permitted actions, negotiation limits, communication rules, approval requirements, and escalation triggers.

Human Escalation

Route disputes, hardship exceptions, legal status changes, consent changes, complaints, and low confidence decisions to authorized reviewers.

06
The Economics

Keep More of Every Recovery.

See what your current agency model is actually costing you.

On a $50M Portfolio
Legacy agency at 30%$15M
In recovery fees.
FinanceOps at 1.5%$750,000
In success fees.
Additional cash retained
20×lower fees than a legacy agency
$14.25Mevery year.

This comparison excludes potential savings from reduced manual work, faster reconciliation, earlier intervention, fewer complaints, and fewer accounts reaching charge off.

Simple Success Pricing

New FinanceOps customers receive their first 10,000 eligible accounts free. After the offer ends, FinanceOps Agentic AI charges 1.5% of eligible cash it successfully recovers.

No subscription. No upfront platform cost. No agency contract.

If FinanceOps Agentic AI does not recover eligible cash, you pay no success fee. Payment processing, Voice AI, tracing services, and optional third party costs are disclosed before launch.

FinanceOps wins when you recover cash.

First 10K Accounts Free

  • Submit up to 10,000 eligible accounts without paying a platform fee, subscription, or success fee.
  • Set your policies and approve the recovery strategy before customer outreach begins.
  • Measure performance using your actual receivables instead of a demo environment.
07
Customer results
Real portfolio results

Real Recovery. Real Impact.

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

$1M recovered in 21 days12% to 15% contact rate48% recovery rate
Only six cases required human review.
Art Sookazian
VP Special Services · LA Federal Credit Union
$1M · 21 days
Explore Customer Results
Industries
Built for every industry

One Gap Across Every Sector.

Banks and Credit Unions
Resolve delinquent loans and negative balances while protecting customer and member relationships.
Healthcare and Dental
Resolve patient balances without turning care teams into collections teams.
Consumer Lending and BNPL
Recover missed installments earlier and prevent avoidable accounts from reaching charge off.
Fintech and Payments
Recover failed payments after automated retries stop and reconcile every resolution.
Utilities
Manage residential and commercial arrears using approved assistance and payment plan policies.
Subscription Billing
Recover failed recurring payments, update payment methods, and reduce involuntary churn.
Government and Municipal
Manage citizen receivables with consistent policies and complete auditability.
SMB Finance Teams
Automate invoice follow up, payment collection, and reconciliation without adding headcount.
Explore Industry Solutions
CFO FAQ
Before you ask

Questions CFOs Ask

FinanceOps Agentic AI replaces fragmented recovery workflows, manual outreach queues, and much of the work traditionally outsourced to collection agencies. It connects to your existing payment, billing, servicing, and ledger systems, allowing you to modernize recovery without replacing the infrastructure that already runs your business.

A payment processor attempts to complete a transaction but usually stops after its retry logic is exhausted. FinanceOps Agentic AI takes over when a payment fails or a receivable becomes overdue by engaging the customer, resolving payment obstacles, collecting the balance, and reconciling the outcome.

Your team controls the permitted channels, contact timing, negotiation limits, payment plan rules, communication tone, escalation conditions, and compliance requirements. FinanceOps Agentic AI determines the next best action only within the boundaries your organization approves.

FinanceOps Agentic AI screens every outbound action before it is sent by evaluating applicable requirements, customer consent, permitted channels, contact limits, account status, and your internal policies. Actions outside approved boundaries are blocked or escalated, and every decision is recorded for audit.

New FinanceOps customers can submit up to 10,000 eligible accounts without paying a platform fee, subscription, or success fee. This allows your team to measure FinanceOps Agentic AI against your existing recovery baseline before making a broader commitment.

No. FinanceOps Agentic AI operates as the recovery and engagement layer across your existing infrastructure. You can begin with a controlled portfolio and expand only after the platform demonstrates measurable value.

Get started

See What You Can Recover.

Run FinanceOps Agentic AI on your first 10,000 eligible accounts without paying a platform fee, subscription, or success fee. Use your actual receivables instead of a demo environment, and measure recovery, customer engagement, manual effort, reconciliation, and compliance performance against your existing baseline.

Claim Your First 10K Free
Your first 10,000 eligible accounts are free.
After the offer ends, FinanceOps Agentic AI charges 1.5% only on the cash it recovers.
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.

By submitting, you agree to our Privacy Policy. Unsubscribe anytime.