Recover more, respectfully.
Move overdue accounts through a structured, multi-stage collections funnel — automated outreach early, human intervention later, settlement and write-off workflows when it's time.
Auto-escalation rules
Loans move into collections stages automatically — 1-7 days, 8-30 days, 30-90 days, 90+ — each with its own playbook.
Staged outreach
Early stages: automated reminders. Mid stages: officer outreach. Late stages: legal track or write-off.
Configurable playbooks
Define what happens at each delinquency stage. Different playbooks per product or per borrower segment.
Settlement workflows
Negotiate partial settlements with audit trail. Track agreed terms vs. actual recovery.
Activity logs
Every call, message, and promise-to-pay is logged against the loan. Officers see the full history.
Recovery analytics
Recovery rate by stage, by officer, by product. See what's working and what isn't.
How a missed payment becomes a recovered loan.
- 01
Detect the miss
Loan flags as delinquent on day 1. Borrower auto-notified, internal collections queue updated.
- 02
Stage outreach
Automated reminders for the first week; then officer outreach with full borrower history at hand.
- 03
Negotiate or escalate
Promises-to-pay, partial settlements, restructures — all logged. Or escalate to legal/write-off.
- 04
Track recovery
Recovery actions tied back to the loan. Reporting feeds your portfolio metrics in real time.
Collections that respect borrowers and the law.
Collections plays out across SMS, email, voice, and in-app messages — with frequency caps and quiet hours built in, so you stay on the right side of consumer-protection rules.
Better recovery without the bad-actor playbook.
Configure your collections stages and let LoanHQ run the cadence.