Borrower Lifecycle Agent
Automate the borrower journey. Improve recovery and satisfaction.
Results at a glance
100,000+
1:1
30x
+20%
Agent Capabilities
Purpose-built to handle every stage of the borrower lifecycle
Security
Regulatory compliance built-in
Pre-configured to comply with global consumer protection laws. 20+ lending-specific guardrails run on every turn of the conversation to ensure safety and compliance, every time.
United States
FDCPA, TCPA, Reg F, UDAAP, Mini-Miranda disclosures, state-level rules
United Kingdom
FCA Consumer Duty, CONC, vulnerable customer handling, Breathing Space
European Union
GDPR, EU AI Act, country-specific consumer protection, data residency
What makes us different
Treat every borrower like your only borrower.
1:1 personalisation at every touch point
Your AI agent knows your borrower’s, balance, payment history, and available repayment options before it dials. Every call is personalised, no more "let me look that up."
Calls pick up where the last one left off
Conversations and commitments are tracked across the borrower's lifetime and passed as context to the next call. Voicemails, callbacks, and text follow-ups all carry history forward.
Their language, their accent, their terms
30+ languages and regional accents out of the box. Castilian, Catalan, Galician, regional UK dialects: the agent sounds like someone local, not a foreign call centre.
Borrowers are reached when they're most likely to pay
Proprietary models determine who to contact, when, and on which channel. Contact rates and promise-to-pay rates climb together.
Customer story
SteadyPay scales AI-powered collections calls with Gradient Labs
Designed for your systems, and theirs
Makes contact on every channel
Reaches out over voice, email, and SMS. Honours callback requests, and can even leave a voicemail.
Integrates with your existing systems
Plugs into your LMS, contact centre, and payment processor. No migration required.
Getting started
Go live in a day
Partners in your success
People who've done this before,
on your side from day one
Whether you're starting with a single pilot or rolling out across your full borrower lifecycle, our AI delivery team is here to support you throughout the entire process.
We come from finance and have helped dozens of companies navigate the compliance hurdles, integrations, and QA it takes to go live.