5–15%
higher recovery rate · estimated
Recover more overdue balances
Keep conversations moving toward payment. Follow up on agreed dates and missed commitments so recoverable balances do not sit untouched.
Credit lifecycle / Collections
Move every collections case toward resolution.
An API-first AI agent that understands account history, handles borrower conversations, and moves cases forward within your collections policy.
Designed to work with your lending, CRM, and collections systems. No system replacement required.
Live demo / Outbound voice
Hear how the agent discusses a payment date, answers a question, or responds to a partial-payment request.
Hear the agent in action
Enter your details, verify your number by SMS, and receive a live demo call about a fictional overdue payment.
This is a simulated collections conversation. No real debt or payment is involved. Use fictional information during the call and a fictional date of birth in the form.
After the call, how did it go?Share feedback
Outcomes
More recoveries. Less manual work.
Put consistent conversations and follow-up to work for your collections team. The ranges below are illustrative estimates to test in a pilot, not measured CredMotion results.
20–40%
lower cost to collect · estimated
Lower your cost to collect
Reduce time spent chasing replies, checking account history, and recording outcomes. Give your team more time for cases that need their judgment.
2–3×
account coverage · estimated
Cover more accounts with the same team
Extend follow-up to accounts your team cannot reach today. Keep work moving as volumes grow, within your contact limits.
People first
Protect borrower relationships
Use account history to keep conversations relevant and repayment options within policy. Bring in a person when hardship or a sensitive case needs attention.
Estimates assume comparable accounts and the same measurement period: relative recovery-rate uplift, cost per amount recovered, and eligible accounts followed up by the same team. Actual outcomes depend on your portfolio, contactability, and permitted workflows.
Beyond the reminder
Keep cases moving after the borrower responds.
Reminders start the conversation. Resolving the case means understanding what the borrower says, what happened before, and what your policy allows next.
CredMotion carries that context from the first response to an arrangement, follow-up, or human handoff.
Context for every conversation
Provide the balance, repayment history, previous conversations, commitments, and case notes. Keep that context up to date as the case changes.
Your policy sets the boundaries
Define contact limits, permitted repayment options, and when a person must approve or take over. Include your hardship and vulnerability procedures.
Follow-through across days and weeks
The agent tracks promises, responds to new information, and resumes work when a payment arrives or a commitment is missed.
Your systems. Your process.
Plug into the process you already run.
The API lets you start a case, supply its context, and define the agent’s permitted activities. Your systems remain the source of truth.
Your systems supply updates. The agent returns conversation outcomes, payment commitments, status changes, and requests for human review through webhooks.
Connected to your systems
- Your systems → Case context
- Account history, policy, communications, and payment updates.
- Collections Agent → Next step
- Borrower conversations within the limits you define.
- Webhooks → Your team
- Outcomes, commitments, status updates, and review requests.
Supported channels
Phone · SMS · WhatsApp · Telegram
The live demo showcases outbound voice, payment-date discussion, and partial-payment negotiation. Discuss your channels and integration requirements with us when scoping a pilot.
How it works
From case context to the next action.
- 01
Provide the case
Supply account information, previous interactions, and the outcome you want to achieve.
- 02
Set the rules
Define communication limits, permitted arrangements, and approval requirements.
- 03
Let the agent work
The agent engages the borrower and works toward an allowed next step.
- 04
Keep your team informed
Receive outcomes and review requests in the systems your team already uses.
Start focused
Start with one collections workflow.
Start with a focused deployment around your team’s existing process. Tell us where conversations become manual, which systems hold the context, and what a successful resolution looks like.