A New Kind of Loan Servicing

Personalized voice, text, email, chat, and direct mail with integrated payments and default compliance—because consumer servicing should be seamless.

Request a DemoBorrower Portal

Payment Trends

Transaction volumes, amounts, and autopay success rates over time

Monthly
2400$220k1800$170k1200$110k600$60k0$0kJulAugSepOctNovDecJanFebMar
TransactionsAmountSuccess Rate
WHO WE SERVE

Built for modern originators

  • Personal installment loans
  • Personal lines of credit
  • BNPL
  • Credit Card
  • Rent-to-own & Lease-to-own
WHAT WE DO

Full-stack servicing across the borrower lifecycle

Our modular AI platform adapts seamlessly to your business, whether you need a full servicing solution or just selected components.

Performance Analytics

Campaign outcomes and payment trends

Weekly Activity

Contacts, responses & payments this week

Contacted Responded Paid
6004503001500MonTueWedThuFriSatSun

Scale effortlessly

Segment portfolios by risk score or custom criteria. Automated workflows adjust dynamically to each borrower’s situation — with detailed outcome analytics to track what’s working.

Payment Transactions

All payment transactions across all payment methods.

Upload Payments Export CSV

Status

All statuses

Type

All types

Method

All

Limit

100

From

Start date

To

End date

Total

3,942

$1,284,772.90

Pending

204

$88,214.50

Successful

2,918

$931,662.40

Failed

233

$74,228.30

ACH

1,024

$312,440.60

Settlements

806

$264,118.20

Payment Transactions

Autopay ErrorsACH & NACHA
IDStatusTypeMethodAmountCustomer
2b4dd673…SuccessfulAutopayCard$30.00

Jane Cooper

Ref: 006W20

4bd104be…SuccessfulAutopayCard$206.32

Cameron W.

Ref: 1151923

2dba9228…PendingAutopayACH$52.53

Guy Hawkins

Ref: 875226

9801dce1…DeclinedAutopayCard$94.32

Robert Fox

Ref: 1125407

d1137542…PendingRegularACH$120.00

Jacob Jones

Ref: 993021

a8f29c10…FailedRegularCard$75.00

Arlene M.

Ref: 1042887

Real-time QA & Oversight

Continuously monitor and score borrower interactions for instant action on requests and clear oversight of compliance and engagement.

Portfolio Overview

Customize segments, campaigns, and recovery workflows to match your portfolio, delinquency buckets, and servicing strategy.

Total Accounts

5,673

+4.3%

Outstanding Balance

$19.5M

-2.1%

Recovery Rate

28.4%

+1.8%

Avg Days to Resolve

34

-3 days

Your Portfolio Segments

Delinquency Stage
Low

Early Intervention

1 - 30 DPD

2,847

$4.2M outstanding

+12% MoM

Medium

At-Risk Accounts

31 - 60 DPD

1,523

$6.8M outstanding

+3% MoM

High

Priority Recovery

61 - 90 DPD

891

$5.1M outstanding

-5% MoM

Critical

Charge-Off

90+ DPD

412

$3.4M outstanding

-8% MoM

Campaigns configured for your portfolio

5 campaigns across all segments

New Campaign
CampaignSegmentChannelStatusProgressResponseCollected

First Payment Reminder

Mar 01, 2026

Early InterventionCallActive
34%$142K

Delinquency Follow-Up

Mar 02, 2026

At RiskCall · SMSActive
22%$98K

Recovery Outreach

Mar 06, 2026

RecoveryCallScheduled
0%$0

Pre-Charge-Off Notice

Feb 28, 2026

Charge-OffCallPaused
18%$67K

High Risk Workflow

Feb 25, 2026

CustomCall · EmailCompleted
41%$210K

Customizable

Choose the full platform or only the modules you need. Get started instantly with out-of-the-box integrations for leading loan management systems, or easily adapt to a custom LMS — no integration required to launch.

HOW IT WORKS

One system for the entire servicing workflow

Finosu handles borrower communication, payments, QA, and compliance so lenders can deliver a better borrower experience, strengthen portfolio performance, and spend their time building — not managing.

01

A complete borrower record

Every payment, promise to pay, call, text, email, dispute, and account event lives in one timeline your team can actually use.

Call Details

Matt Smith · +1 (234) 567-8991

Call Result

Voicemail Left Message

Call Type

OUTBOUND

Call Started

Mar 7, 2026 at 8:02 PM EST

Duration

0:14

Post Processing Flags

CONNECTVOICEMAIL_CONNECTMESSAGE_LEFT

Recording

0:000:14
WHY LENDERS CHOOSE FINOSU

Servicing that costs less, performs better, and is easier to control

Finosu helps lenders replace manual servicing work and disconnected vendors with one platform for borrower engagement, payments, and oversight.

Lower servicing cost

Do more without adding headcount

Automate routine servicing workflows so your team can handle more volume with less manual effort.

Better borrower outcomes

Reach more borrowers and resolve accounts faster

Coordinate voice, SMS, email, portal flows, and payments in one system so borrowers get clearer communication and easier paths to action.

More control

See servicing activity real time in one place

Track conversations, payments, account activity, and performance from a single system instead of piecing together updates across teams and vendors.

Less operational complexity

Replace a fragmented servicing stack

Unify borrower communications, payment workflows, compliance controls, and reporting in one platform instead of managing disconnected tools and partners.

What changes over time...

Less busywork. More leverage for your team.

When servicing runs through one system, your team spends less time coordinating vendors, reviewing scattered data, and handling repetitive work—and more time improving borrower experience and portfolio results.

WE ARE BUILDING TRUST

Let’s Explore a Partnership

We work closely with lenders to design servicing strategies aligned to their portfolio, compliance requirements, and performance goals.