Agencies take 15-25% of every peso recovered. On delinquent accounts, you lose a quarter of what you get back.
Industry recovery rates sit around 20–25%. Manual teams can't optimize timing, channel, or tone for every borrower — so most delinquent accounts just age out.
Most collections follow a rigid script — same message, same timing, same tone. One approach can't work for thousands of different borrowers.
Most recoverable debt is won or lost in the first 30 days. Delay outreach by a week and recovery rates drop sharply.
Orbit Flow deploys autonomous AI agents that handle borrower outreach end-to-end — from the first missed payment to recovered funds. Each agent learns from every interaction, getting smarter with each cycle.
AI profiles each borrower and picks the strategy most likely to recover
SMS, call, Viber, email — sends, adapts, and responds in real-time
Every outcome feeds back — recovery rates compound over time
Every message checked against regulations before sending — humans can always step in and take over
Your LOS
API integration or CSV
Analyzes, decides, learns
SMS, Email, Viber, Calls
Responds, pays, or doesn't
Routed to your team
API or CSV upload
Analyzes and picks strategy
SMS, Email, Viber, Calls
Pays, negotiates, or doesn't
The compliance landscape is getting stricter. SB 1744 just passed the Senate unanimously. Orbit Flow cross-checks every interaction against current regulations before anything reaches a borrower.
Send us your overdue accounts. Compare the results. That's it.
Request a Demo →