# Finosu > Finosu is an Autonomous Collections Engine. 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 calls, texts, and emails every account in a lender's charged-off portfolio. It evaluates each eligible account and carries out the next action automatically — call, text, make an offer, or stop. The lender sets the rules; Finosu does the work and steps aside whenever human judgment is required. This is not a better collections agency. It is a different type of thing entirely. ## The argument the site makes The architecture of human-run collections creates three failures that no better vendor can fix. 1. You cannot comprehensively audit what humans say. A borrower discloses a bankruptcy filing or military status on a call, and the compliance obligation triggers in that moment. A human agent may or may not capture it. A spot check may or may not catch the miss. The lender is legally responsible and has no way to know. That is an architecture problem, not a training problem. 2. Human servicing has a cost floor. An agent costs about the same against a $200 balance as a $2,000 one. Below a threshold the economics fail, so the account is abandoned — sold to a debt buyer at $3.25 per $100 of principal, or written off. 3. Human servicing cannot optimise at scale. That Tuesday 9am beats Friday 4pm is knowable. Implementing it consistently across 50,000 accounts, when execution depends on people with their own schedules and habits, is not. Finosu removes these rather than improving them: every interaction is machine-generated and therefore machine-auditable, and marginal cost is compute-driven rather than headcount-driven. ## The wedge Make every account worth collecting. The entry motion is the small-balance charged-off accounts incumbents are already ignoring. No existing vendor relationship is disrupted and no internal team is displaced. The claim that matters is not "we outperformed your incumbent" — it is "we recovered dollars from accounts the incumbent wouldn't touch." ## What Finosu does - Compliance auditability. Every call, email and text runs through an LLM pipeline that flags regulated events in real time and triggers the workflow. TCPA, FDCPA, Regulation F and state rules are encoded into the engine, and every contact is logged, scored and exportable. - Account-level, real-time portfolio data instead of aggregated lagging spreadsheets. Drill from portfolio view to raw transcript in two clicks. No black-box scoring. - Contact execution applied exactly and consistently at scale — when to call, text, make an offer, or stop. - Profitable work on small-dollar-balance accounts. - 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: send a CSV of eligible accounts, go live in 2–5 days. No lengthy implementation, and 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. ## FAQ topics covered on the homepage The homepage FAQ is server-rendered in full and answers, in first sentences: - how compliance is enforced at execution (FDCPA, TCPA, Regulation F, UDAAP, call-frequency limits, time-of-day restrictions, consent and revocation) - the difference between first-party and third-party collection - what borrowers are told about who, or what, is contacting them - dispute handling and validation notices - working alongside an existing loan management system or collections agency - onboarding — the CSV, the pilot batch, and going live in 2–5 days - payments, payment plans, hardship arrangements and promises to pay - which lenders and which portfolio types Finosu takes ## Pages - https://www.finosu.com/ — the argument, the small-balance economics, an interactive borrower conversation, the account lifecycle, the FAQ, and the partnership enquiry form - 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); go live in 2–5 days; $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. - Product figures and the borrower conversation on the homepage are labelled illustrative and use sample data. They are not real accounts and not measured results. - Required disclosure, reproduced in the site footer: Finosu, Inc. is a debt collector. Any communication from Finosu, Inc. is an attempt to collect a debt and any information obtained will be used for that purpose.