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Unifi

Every loan.Every stage.A better bottom line.

Your partner for the life of the loan.

Unifi engages your borrowers from the day a loan is funded, works delinquent and charged-off accounts with its AI and human recovery team, and gives you the option to sell or place portfolios.

Talk to usSell or place a portfolio

What Unifi does for lenders

One partner for every stage of the loan. Start with the stage you need, or hand Unifi the whole loan.

Borrower engagement

Sample lender

Sample data
  1. Funded, covered
  2. Performing, covered
  3. Delinquent, not covered
  4. Charged-off, not covered
  5. Recovered, not covered
Welcome emailYour loan is funded. Here's your payment schedule.Opened
Welcome textHere's how to set up autopay.Delivered
Payment reminder textYour payment is due Friday.Paid on time

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

Interactive sample chart. Turn on JavaScript to view it.

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

Questions lenders ask about AI debt collection

Straight answers on how Unifi works, handles compliance, and fits your portfolio.

Ask UnifiAnswers for consumer lenders

What is AI debt collection software?

AI debt collection software uses AI to plan outreach, offer payment options, and track results on loan accounts. Unifi is a platform and partner rather than software you install: welcome messages and payment reminders after funding, hardship and collections outreach through Unifi's AI and human recovery team, analytics on every account, and the option to sell or place portfolios, with compliance checks on every contact.

Have a question that isn't here?

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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
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