AI-powered debt recovery for emerging markets.
We believe debt recovery doesn't have to be adversarial. Orbit Flow exists to make the process more humane, more efficient, and fully compliant — for lenders and borrowers alike. By replacing rigid scripts and aggressive tactics with intelligent, adaptive AI, we help lenders recover what they're owed while treating borrowers with respect.
Across emerging markets, debt collection is broken. Agencies rely on abusive practices — harassment, threats, public shaming — that hurt borrowers and expose lenders to regulatory risk. Processes are manual, slow, and expensive. And as new regulations like the Philippines' Fair Debt Collection Practices Act take effect, the old playbook simply doesn't work anymore. There's a better way.
Orbit Flow deploys autonomous AI agents that learn and improve with every interaction. Unlike fixed-script systems, our agents use multi-armed bandit algorithms to continuously test and optimize outreach strategies — the right message, channel, timing, and tone for each borrower. The result: higher recovery rates, lower costs, and zero compliance violations.
The Philippines is our first market — a fast-growing alternative lending ecosystem with over 140 registered online lending platforms and a clear need for compliant, AI-driven recovery solutions. From here, we plan to expand across Southeast Asia, bringing the same technology to Indonesia, Vietnam, and beyond.
We're a small team of engineers, data scientists, and fintech operators building at the intersection of AI and financial inclusion.
Founder profiles coming soon.
Send us your overdue accounts. Compare the results. That's it.
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