01 Performance
Higher net recoveries. Lower unit costs.
Finosu evaluates eligible accounts and carries out the next action across channels, with payments built into the workflow. Measure results in cash recovered after fees.
Make every account worth collecting
Finosu is an AI-native servicer for consumer lenders. We combine personalized borrower engagement, integrated payments, and built-in compliance controls to increase net recoveries and improve the borrower experience.
Send a CSV. Go live in 2–5 days.
Illustrative animation. Coin-shaped tokens fall onto a floor that slopes into a gap from both sides, with two bins beyond. The Human agent bin is small and fills up; Finosu's is far larger and takes what it turned away. Tokens that drift into the gap fall out of frame. The counters count animated tokens, not servicing performance.
Finosu is an autonomous servicing platform.
From borrower conversations to repayment, Finosu runs the work across voice, text, email, chat, and direct mail. Your team sees account activity, outcomes, and exceptions in one place.
- Personal installment loans
- Personal lines of credit
- BNPL
- Credit cards
- Rent-to-own
- Voice
- Text
- Chat
- Direct mail
- Payments
02The whole book
Work more of your portfolio.
Manual servicing costs limit how much attention smaller balances receive. Finosu lowers the cost of consistent engagement so more eligible accounts can be worked, from early delinquency through charge-off.
Below your floorAbove your floor
Balance
FinosuOffshore agentUS agent
Accounts, smallest to largestYour cost floor
Drag the line, or use the arrow keys.
Accounts below39,000
Principal below$11,783,330
Manual servicing
Staffing costs
Account coverage depends on available people and time.
With Finosu
Lower unit cost
AI handles routine engagement across more eligible accounts.
Scale coverage without scaling manual work.
03What you get
Better outcomes. Clear visibility.
More recovered. Consistent borrower care. Control over how the work gets done.
02 Transparency
From portfolio results to individual conversations.
See account activity, payment outcomes, and communication history in one place. Review the conversations and exceptions behind the numbers.
03 Brand-aware
Your standards shape every interaction.
Set the tone, repayment options, and escalation paths. Borrowers get clear choices, a simple way to pay, and access to human support.
04 Compliance
Built-in compliance controls.
Controls for consent, timing, contact frequency, and opt-outs guide outreach. Conversation records and flagged exceptions give your team a clear review trail.
First-party or third-party
One platform. Two ways to work with Finosu.
Third-party: Finosu manages collections under its own name. First-party: Finosu automates servicing and collections under your brand. Both bring borrower engagement, payments, and account reporting into one workflow.
- Your brand
- Finosu
04Modules
The full platform. Built to work together.
End-to-end third-party collections, or first-party capabilities within your operation.
- Module on
- Its wire carries traffic through the account timeline.
- Module off
- The wire retracts to a dashed ghost. Everything else keeps working.
- Locked on
- Compliance & QA never switches off. Under third-party, nothing does.
Interactive schematic
Your brand. Your program. Select the capabilities Finosu runs for your team.Finosu runs the collections program, from borrower outreach to payments and reporting.
Borrower
Account timelineOne borrower record
Borrowers hear fromYour CompanyFinosu, Inc.
Engagement
Money
Control
Your team
9 of 9 modules on. Finosu's program. Switch to first-party to set the board.
Explore a sample configuration. Channels and actions follow account status and program rules.
05The work
Decide. Act. Follow through.
Account data, borrower responses, and payments inform the next step. Finosu carries it out within your program's rules.
Architecture, not effort.
01
Build oversight into the work.
Capture borrower conversations, flag account changes, and route exceptions for review. Finosu brings communication history and follow-up into the same workflow.
02
Lower the cost of consistent engagement.
AI handles routine outreach and follow-up, making consistent engagement practical across balances. Third-party pricing is based on recoveries; first-party pricing reflects your scope and volume.
03
Turn account signals into action.
Payment history, borrower responses, and engagement guide timing, channel, and follow-up. Finosu executes the next step within your program's rules.
- Consent tracking
- Contact timing
- Contact frequency
- Opt-out handling
- Exception review
- Audit trail
06Who built it
Built by former lenders.
Finosu's founders built and scaled a $200M consumer specialty finance platform. Finosu is the servicer we wished existed.
Better recoveries, a better borrower experience, and visibility into the work behind both.
07The run
Start with a CSV upload.
Begin with a defined group of accounts. Agree the program, connect the data, and measure results against your current approach.
- Placement
Choose the starting accounts
Place accounts by CSV or connect your loan management system. We review account data and eligibility with your team before outreach begins.
- Program
Configure your program
Set contact preferences, repayment options, and escalation paths. Built-in controls check account status, consent, and contact settings before outreach.
- Contact
Finosu engages borrowers
Coordinate voice, text, email, chat, and direct mail around account status, borrower responses, and your program's rules.
- Payment
Make repayment straightforward
Borrowers can pay by ACH or card, choose an approved payment plan, or request help. Payment activity feeds into the account record.
- Outcomes
Track outcomes
Review payments, active plans, disputes, opt-outs, and accounts needing attention. Track net recoveries and the next steps for each account.
Issued by Finosu, Inc.
NMLS ID 267149908Partnership
Put better servicing to work.
Tell us about your portfolio. We'll walk through the borrower experience, reporting, integration, and pricing, and identify a clear starting point.
- Servicing model
- Third-party or first-party
- Channels
- Voice · SMS · Email · Chat · Mail
- Payments
- ACH and card
- Onboarding
- Start with a CSV upload
From due to done.