An AI agent that keeps your receivables from aging
Nobody on your team enjoys chasing invoices, so the chasing slips, and the cash sits in other people's accounts. The collections agent follows up on every open invoice with polite, persistent calls, texts, and emails until it is paid or in your hands for a decision.
Runs in your cloud platform or in ours. Voice agents run on Refract, our own platform.
The job your AI Collections Agent shows up for.
Your escalation ladder
Friendly nudge to firm notice, on the schedule you set. Firm is a setting, not a personality.
Every channel
Calls, texts, and emails, sequenced so the message lands without becoming harassment.
Payment in the conversation
Pay links offered in every touch. The distance between agreed and paid shrinks to one tap.
Disputes go to a human
The moment a customer disputes or signals hardship, the agent stops and routes it to you.
Everything documented
Every touch logged with transcripts, so your records are complete if you ever need them.
Consistent by design
The follow-up happens on schedule whether your office had a busy week or not.
How the AI Collections Agent runs, end to end.
Every agent we build starts as a blueprint like this one: the exact path a conversation takes through your business, agreed with you before we build it.
Invoice passes due
Your accounting system flags it and the agent picks it up.
Reminder ladder starts
Polite first touches on the cadence you set.
Payment made easy
Every touch carries a payment link or offers to take details.
Disputes route out
Hardship or disagreement goes straight to a human, immediately.
Paid or escalated
Every invoice ends resolved or on your desk with its history. Never forgotten.
Works with what you already run.
No rip and replace. The agent connects to the systems your business already lives in, and every conversation it has is logged where you can see it.
- Your invoicing or accounting system
- Phone and SMS
- Your payment links
The platform underneath
Runs on Refract, the voice platform we built and operate.
We did not bolt a chatbot onto your phone line. Refract runs script-controlled conversations with real tool calls into calendars and CRMs, warm human handoff with context preserved, and a full transcript of every call. It is built by the same team that ships the AI sales agent and live call coaching inside Luminary Life's insurance CRM and runs realtime voice in production at Tavern Scribe.
Talk to a live Refract agent at refract.hostStrategy to execution, in four phases.
Anyone can demo a voice agent in five minutes. Getting one you can trust with your customers is engineering, and it runs through the same four phases as every LOJI build.
Estimate
We scope your AI Collections Agent against your real call flows, systems, and volume, and map exactly what it will take before you commit to anything.
Validate
You hear the agent and approve its script, voice, knowledge base, and escalation rules before it ever talks to a customer.
Build
We build the agent, wire it into your calendar, CRM, and phone, and test real conversations with you until it earns the job.
Support
We stay on after launch. Transcripts get reviewed, answers get tuned, and the agent stays current as your business changes.
What owners ask before hiring this agent.
Will this damage customer relationships?
It is scripted to be the polite, consistent version of the calls you already should be making. Consistency reads as professionalism. The tone is yours to set, and disputes always reach a human before anything escalates.
Is automated collections even permitted?
Consumer debt collection has strict rules, and we build inside them or not at all. Standard B2B receivables follow-up is the sweet spot: professional reminders about money that is owed for work already delivered.
Can it actually take payments?
It sends your payment links and confirms receipt. Money always moves through your existing processor, never through the agent.
Is our financial data safe with it?
It reads only the invoice data you scope to it, and money moves only through your existing processor. The agent itself can run in your cloud platform or in ours, with every touch documented.
Ready to put a AI Collections Agent to work?
Tell us how your business handles this today and we will map the agent, the workflow blueprint, and what it takes to run it in production.