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Unifi

Every loan.Every stage.A better bottom line.

Your partner for the life of the loan.

Unifi partners with consumer lenders across the entire life of a loan, from the day it's funded through delinquency, charge-off and recovery.

Talk to usSell or place a portfolio

The life of the loan

We work alongside you at every stage, not just after charge-off.

Accounts by stage

Sample data

Sample lender

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  1. Funded

    Welcome and onboarding messages that start each borrower relationship on the right foot.

    Welcome series

    Welcome emailSent
    Welcome textSent

  2. Performing

    Payment reminders and early-warning analytics that flag accounts before they slip.

    Payment reminder

    Sample data
    PaymentDue soonPaid
    On-time payments

  3. Delinquent

    Outreach with compliance checks on every contact, and hardship support that helps borrowers get back on track.

    Hardship plan

    Options sent by email

    Checked

  4. Charged-off

    Recovery by Unifi, with the option to sell or place the portfolio.

    Recovery call

    Record saved to the account

  5. Recovered

    Every payment and result reported to you the same day.

    Report

    Sample data
    Payment posted
    $1,284.50Posted today

One platform for every account

Engagement, analytics, compliance and reporting share one place, so you see each account's full story.

Engagement at every stage

Welcome messages and reminders by text and email, hardship support and collections by voice and email, timed to each borrower.

Account timeline

  • Welcome messageFunded
  • Payment reminderPerforming
  • Hardship plan offeredDelinquent
  • Recovery callCharged-off

Analytics on every account

See how each account performs and spot early signs of trouble while there is still time to act.

Outcomes this month

Sample data

Sample lender

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Every contact on the record

Every call, text and email is checked, and the full record stays with the account.

Contacts checked

Sample data

Last 7 daysSample lender

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Record saved to the account

Reporting the same day

Every dollar collected shows up in your lender dashboard the same day, next to each account's history and results.

Posted the same day

Sample data

Collections posted, last 30 daysSample lender

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  • Payment postedProcessingPosted today
  • Account history updatedProcessingUpdated today
  • Report refreshedProcessingUpdated today

Liquidity when you want it

When you'd rather move accounts off your books, you can choose how.

You decide when to sell or place. Results report the same day either way, and any offer to buy is priced on its own.

Sell outright

We buy the portfolio and the accounts leave your books at closing. One-time sales and ongoing agreements are both available.

Accounts move from your books to Unifi at closing.

Accounts on your books

Sample data

Sample lender

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Place with Unifi

You keep the accounts, Unifi works them, and you keep the upside as they resolve.

Accounts are placed with Unifi, which works them, with results reported the same day.

Results posted

Sample data

Sample lender

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Either way, you get clean files and transparent reporting on every account.

Sell or place a portfolio

Built for a regulated industry

Consumer lending is closely regulated, so we build care into every contact and every file.

Compliance checks on every contact

Every call, text and email is checked, and the record stays with the account.

Contacts checked

Sample data

Sample lender, this month

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Careful data handling

Payments are processed by a PCI DSS compliant payment processor. Unifi never stores consumer card information.

SOC 2 Type II audit in progress

Talk to us

Tell us about your loans and what you need, and we'll get back to you.

Prefer to call or email? Reach us at

833-736-5674admin@unifipro.ai
About you
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What happens next

We read every message.
You'll hear from us by email or phone to set up a short call about your loans and what you need.

No consumer data is needed to start.