45%
Delinquency recovery rate
Automated and multichannel approach reaches debtors who ignore call center calls.
AI Collection Agent: Negotiates Within Your Policy, Logs Agreements
Five negotiators cover the largest contracts, which is smart. But most accounts, by number, have no one contacting them.
Our Clients Companies that trust the operation
+180k
Messages and media exchanged every day
+1,200
Companies that trust our solutions
+40k
Automations built on our platform
O que é Agente de IA para Cobrança
The AI Agent for Collections from Nexloo transforms delinquency recovery into a scalable and less invasive process. The agent sends due date reminders, provides duplicate invoices, offers installment conditions, and negotiates deadlines — all via WhatsApp, in a friendly and non-embarrassing manner.
Traditional phone call collections have low effectiveness and high operational costs. The agent reaches debtors on the channels where they actually read messages, with an empathetic approach that preserves relationships and maximizes recovery. Connected to the Nexloo omnichannel platform, it manages the entire collection cycle.
Results
Benefícios do Agente de IA para Cobrança
What changes in recovery when the entire portfolio is addressed, not just the top.
80%
Reduction in collection costs
Eliminate dedicated teams for manual calls and individual reminders and invoices.
24/7
Active collections without night team
Messages sent at the best time for each debtor, including outside business hours.
3x
More agreements closed per month
The ease of negotiating installments directly through chat increases agreement adherence.
Features
Funcionalidades do Agente de IA para Cobrança
Recursos projetados para transformar o atendimento no segmento de cobrança.
Automated collection cadence
Progressive reminders: pre-due, on due date, 3 days after, 7 days after, each with an appropriate tone.
Automatic sending of duplicate invoices
Debtor requests a new invoice and receives it instantly without needing to access portals or call.
Installment negotiation via chat
The agent offers pre-approved installment conditions and formalizes agreements directly in the conversation.
Payment status update
Consults the financial system in real-time to confirm payments and automatically close collections.
Risk profile escalation
High-value debtors or those with long delinquency receive differentiated approaches with special options.
Conversational context memory
The agent remembers information from previous interactions with the same contact for continuous and personalized conversations.
Training through your knowledge base
The agent learns from their documents, price lists, policies, and website pages. The responses come from what your company wrote, not from generic internet knowledge.
Qualification through sequential questions
Instead of a disguised form, the agent guides the conversation: each response defines the next question, and what they discover becomes a filled field in the contact.
Handoff with context for the human
When the conversation needs human input, it reaches the agent with the entire history and a summary of what has already been gathered — no one asks the customer to repeat their story.
Configurable escalation rules
You define what the agent never responds to alone: out-of-table values, complaints, cancellation requests. Anything on the list goes straight to a person.
Conversation memory between sessions
The customer who returns two weeks later doesn't start from scratch. The agent picks up where they left off, with what has already been agreed upon and what is still pending.
Brand's tone of voice and vocabulary
Formal or casual, with or without emoji, using the terms your market uses. The agent writes like your company writes, not like a generic assistant.
Subject limits and secure response
Outside of what was trained, the agent doesn't make things up: they say they'll confirm and forward. It's the difference between a reliable assistant and one that invents prices.
Scheduling within the conversation
The agent checks availability, offers time slots, and confirms without switching apps. The client leaves the conversation with the appointment booked.
Sending documents and media
Catalog, price list, contract, invoice, or instructional video: the agent sends the right file at the moment they respond to the inquiry.
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Segments
Para quem é o Agente de IA para Cobrança
Billing operations that benefit the most from an AI agent in negotiations.
Empresas com recorrência e mensalidades
SaaS, academias e escolas com 500+ clientes
Monthly delinquency accumulates and the finance team cannot collect from everyone manually.
E-commerces com boleto como meio de pagamento
Lojas com 30%+ de vendas por boleto
Generated invoices that are not paid represent confirmed revenue that never enters the cash flow.
Empresas de serviços com contratos
Prestadores com 100+ contratos ativos
Clients delay invoices and the strain of manual collection harms the business relationship.
Sales and pre-sales operations
Starting from 3 users
They need to respond to the lead within the first few minutes and enter the human conversation already knowing the size, pain, and urgency.
Scheduling and confirmation
Starting from 3 users
They schedule, reschedule, and confirm all day long — repetitive tasks that consume the team and require no judgment.
Support and post-sale
Starting from 3 users
They receive the same question hundreds of times a month and need to reserve the human team for what is truly specific.
Billing and negotiation
Starting from 3 users
They need to approach at scale, record what was agreed, and escalate to a person when the negotiation deviates from the standard.
Recruitment and HR
Starting from 3 users
Handles candidates, collects documents, and explains benefits — high volume, low variation conversations.
Health and wellness services
Starting from 3 users
Handles appointment requests, exam results, and preparation guidance outside of business hours, when the reception is already closed.
Retail and e-commerce
Starting from 3 users
They concentrate pre-purchase questions and order tracking, with peaks on commercial dates that a fixed team cannot absorb.
Professional services and education
Starting from 3 users
They screen interested candidates and respond to the same list of questions before any conversation is worth a specialist's time.
Deals with long consultative selling
Starting from 3 users
They have cycles of weeks and need to keep the interested party warm between each human contact, without relying on someone to remember.
What sets us apart
Por que escolher Nexloo para Cobrança
What's included in the plan for those who charge via WhatsApp.
Empathetic tone that preserves relationships
Friendly messages that treat the debtor with respect, unlike aggressive call centers.
Autonomous installment negotiation
The agent offers and formalizes agreements within defined parameters without human intervention.
Multichannel to maximize reach
WhatsApp, SMS, and email combined increase the likelihood of the debtor receiving and reading the collection.
Compliance with collection legislation
Sending times, contact frequency, and language comply with CDC and LGPD regulations.
Ecosystem
Integrations that simply work.
Connect Nexloo to the tools you already run on, without friction — more than 5,000 apps available to extend your support hub and automate the work around it
Where the conversation flows to
- Parceiro OficialMeta
- Zapier
- HubSpot
- Salesforce
- RD Station
- Pipedrive
- API REST
Where the lead comes from, and where the team works after
- Mais pedidaMeta Ads
- Google Ads
- Meta Lead Forms
- Google Sheets
- Google Calendar
- Shopify
- Slack
What's changing
The tail of the portfolio. never receives a call.
Five negotiators cover the largest contracts, and it's the right decision with a limited team. The problem is that most of the portfolio, in terms of number of contracts, goes without anyone talking to it — month after month.
In practice
How the agent negotiates within your policy
Automated billing is not just sending a message. It's about maintaining a negotiation with clear rules, recording what was agreed upon, and recognizing when a case needs a person.
Addresses the entire portfolio
The schedule applies to all contracts, not just the higher value ones — and those who respond enter a conversation, not a waiting line.
Negotiate with defined authority
Discount, installment options, and deadlines follow the configured policy. Outside of that, the agent does not decide.
Records the agreement
Price, date, and payment method are recorded in the contact history, with time and author.
Charge the promise on the due date
The appointment becomes a task: the conversation resumes on the agreed day, without relying on someone to remember.
FAQ
Before negotiating with an agent.
The most common questions about discount thresholds, agreement registration, approach tone, and compliance.
How does the AI Agent for Collections approach debtors without being invasive?
The AI Agent for Collections uses respectful and empathetic communication that acknowledges the debtor's situation without embarrassment. Messages are sent at appropriate times according to legislation, with a tone that offers solutions instead of pressure. The agent starts with a friendly reminder, evolves to offers of facilitation like installment plans, and only escalates to firmer approaches after unanswered attempts.
Can the AI Agent for Collections negotiate installments automatically?
Yes, the agent negotiates installments within rules pre-configured by the company. You define parameters such as maximum number of installments, minimum amount, allowed discount for upfront payment, and special conditions by delay range. The agent presents options to the debtor and formalizes the agreement when accepted, generating a new invoice or payment link automatically without financial intervention.
Does the AI Agent for Collections send duplicate invoices via WhatsApp?
Yes, the agent generates and sends a duplicate invoice or payment link directly in the WhatsApp conversation. When the debtor informs that they lost the invoice or need an update, the agent consults the financial system, generates a new version with the updated date, and sends it in PDF format or as a clickable link. This removes friction and facilitates immediate payment during the conversation.
Does the AI Agent for Collections respect contact times and frequency?
Absolutely. The AI Agent for Collections respects the norms of the Consumer Defense Code and LGPD regarding contact times and frequency. Messages are sent only on business days within permitted hours. The frequency is controlled to avoid embarrassment or harassment. Each contact is recorded, and the debtor can request to stop receiving messages at any time.
Can I configure different collection cadences by customer type?
Yes, the AI Agent for Collections allows you to create customized cadences by customer type, debt amount, and delay time. VIP clients may receive a softer approach with a longer deadline. Recent debts may have a short and friendly cadence. Old delinquency may have larger discount offers. Each profile has its own message flow, intervals, and specific negotiation conditions.
How much does the Nexloo AI Agent for Collections cost?
Nexloo offers a free trial of the AI Agent for Collections without a credit card. The investment varies according to the volume of collections and functionalities such as integration with the financial system and invoice issuance. Considering that recovering just a few delinquents per month already exceeds the platform's cost, the return on investment is typically positive in the first month for companies with an active collection portfolio.
Last step
Where is your portfolio left without outreach
A short conversation to gauge how much of your overdue accounts no one can reach in the month.
- No credit card
- Set up in 5 minutes
- Cancel whenever you like
Request your free assessment
No commitment. One conversation to map where your operation is losing sales.
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