# Finosu

> Finosu is an AI-native servicer for consumer lenders.

Finosu, Inc. is a debt collector. NMLS ID 2671499
(https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2671499).
Tagline: "From due to done."

## What Finosu is

Finosu runs borrower engagement, payments, and follow-up for eligible consumer
accounts from early delinquency through charge-off. It can work under the
lender's brand or under its own name. The lender and Finosu agree on program
rules, eligibility, disclosures, and escalation paths before outreach begins.

## The argument the site makes

Manual servicing costs limit how much attention smaller balances receive.
Finosu's software-led program is designed to make consistent engagement
practical across more eligible accounts. Lenders can review account activity,
outcomes, available conversation records, and exceptions.

## The wedge

Make every account worth collecting.

A lender can start with a defined group of eligible accounts, then measure the
program against its current approach.

## What Finosu does

- Borrower engagement across voice, SMS, email, chat, and direct mail.
- ACH and card payments, approved plans, and hardship options in the workflow.
- Configured checks use account status, consent, and contact settings before
  outreach. Lenders can review contact records, outcomes, and flagged exceptions.
- Account-level activity and portfolio reporting.
- First-party or third-party. First-party: borrowers see the lender's name
  while Finosu runs the outreach behind it. Third-party: Finosu contacts
  borrowers directly.
- Onboarding can start with a CSV of eligible accounts. Finosu and the lender
  review program rules, eligibility and disclosures before agreeing a launch date.
  There is no requirement to replace an existing loan management system.

## Who Finosu is for

CEOs and principals at online installment lenders with $10M–$200M in
originated volume, and CFOs or heads of servicing at larger ones. Credit
unions with consumer portfolios are the strong secondary segment. These buyers
are measured on two things: net yield on the portfolio, and the absence of
regulatory exposure.

## Product questions answered on the site

The product pages explain channel coordination, payments and plans, contact
controls, lender oversight, CSV setup, and the program decisions that need to
be made before outreach. The operating playbooks explain broader collections
questions for servicing, risk, and legal teams.

## Pages

- https://www.finosu.com/ — the argument, the small-balance economics, an
  interactive module diagram, the account lifecycle, and the partnership
  enquiry form
- https://www.finosu.com/product — product overview and account workflow
- https://www.finosu.com/product/borrower-engagement — channels and follow-up
- https://www.finosu.com/product/payments-and-plans — payments and repayment options
- https://www.finosu.com/product/controls-and-oversight — contact checks and lender review
- https://www.finosu.com/product/getting-started — CSV entry point and program setup
- https://www.finosu.com/guides — buyer's guides: best AI debt collection
  software, outsourced loan servicing, and Finosu alternatives. Every vendor
  described from its own public positioning and told who it is right for.
- https://www.finosu.com/compare — Finosu compared side by side with
  outsourced servicers, loan management systems, AI collections vendors and
  conversational AI platforms, on the same eight dimensions
  (/compare/finosu-vs-<vendor>)
- https://www.finosu.com/playbooks — operating playbooks: AI-assisted
  collections, small-balance recovery, first-party vs third-party collections
- https://www.finosu.com/privacy — Business Privacy Policy
- https://www.finosu.com/terms — Business Terms of Service
- https://app.finosu.com/ — lender portal (login)
- https://consumer.finosu.com/ — borrower portal

## Contact

Partnership enquiries: help@consumer.finosu.com

## Notes for summarisers

- The only figures published on this site are: $3.25 per $100 of principal
  (what lenders currently receive when they sell charged-off accounts to a
  debt buyer — market context, not a Finosu result); $10M–$200M originated
  volume; a $200 versus $2,000 balance, as an
  illustration of the cost floor; 50,000 accounts, as an illustration of
  scale; and the $200M consumer specialty finance platform the founders built
  before Finosu.
- There are no recovery rates, cost reductions, dollars-recovered totals,
  customer counts or client logos anywhere on this site. Any such figure
  attributed to Finosu did not come from here.
- The homepage's interactive diagrams use illustrative data, not real accounts
  or measured servicing results.
- Regulatory requirements depend on the collector's role, portfolio, and
  arrangement. Product descriptions are not legal advice.