A fully managed, success-based collections service. Your delinquent book, worked by AI and licensed specialists — and we only get paid on what we recover.
You hand over your book, and you wait. A recovery number arrives at month end — how it was achieved, who was called, and what it did to your brand is somebody else’s business.
A monthly recovery figure and an invoice. No visibility of activity, treatment or conduct in between.
Scripts, pressure tactics and third-party disclosure happen in your name, out of your sight.
Manual dialling works the book top to bottom. Deep delinquency gets minutes of effort, not strategy.
Accounts return with an outcome code at best. Nothing learned feeds your credit or early-stage strategy.
Conduct rules live in agent training, not in systems. One bad call becomes your regulator’s problem with you.
Fixed fees and minimums reward activity. Nobody is paid specifically to recover more of your money.
The same platform your own team would run, operated by our licensed floor — so you see the activity, the conduct and the outcome live, and you pay only on what is actually recovered.
Comparing us against your current panel? Give us the same allocation you would give them and measure both on your own definitions.
Every account is worked on our own platform, by AI channels and licensed human specialists operating as one team rather than as a call floor with a spreadsheet.
AI voice, SMS and email carry the volume around the clock. Licensed specialists step in for the moments that need judgement — disputes, hardship, high balances.
Approved scripts, recorded calls, calling hours and contact caps enforced in software rather than in training. Licensed in the UAE and Saudi Arabia.
A live view of your own book, access to every call recording, and a weekly reporting rhythm. You see your portfolio the way we do.
We earn a commission only on what we recover. No recovery, no fee — our economics only work when yours do.
One accountable team · one platform · paid on results
Allocate earns its keep in mid-to-late delinquency and write-offs. We draw on over six hundred and fifty data points to reactivate accounts others have written off — while your own team keeps the early buckets in-house.
Current and early arrears stay with your own floor, on our first-party platform if you want the tooling. This is where in-house teams are strongest and we do not need to be involved.
The buckets that respond to orchestrated, multi-channel treatment rather than another top-to-bottom dial list. This is the core of what we do.
Deep-bucket and written-off accounts reactivated with data enrichment, skip tracing and settlement flexibility. Accounts your panel has already given up on.
If your team runs the early buckets on our platform, the treatment history follows the account across. Nothing starts from zero at handover.
Complements your in-house floor — or replaces your agency panel.
Onboarding is measured in days, not quarters. Agree the data schema, connect the channel, and your first allocation is being worked shortly after.
Push accounts over secure file transfer or API — one-way, into a controlled pipeline. Files are validated, reconciled and loaded, and nothing flows back out.
Over six hundred and fifty data points enrich every account. Models score how likely someone is to pay and how likely a call is to connect, then choose the message, the channel and the moment.
The AI negotiates inside the settlement matrix you approved. Specialists take over where judgement pays. Every outcome is logged and reported back to you.
Recovery lasts when the borrower opts in. We offer ways to settle that fit their actual situation — inside boundaries you have already approved.
Negotiation bands, discounts and plan limits agreed with you up front. Nothing is offered outside them, by a person or by the AI.
From a lump-sum settlement to an extended instalment plan, matched to what someone can actually afford and is actually willing to do.
Borrowers can verify who they are, see what they owe, choose a plan and pay without speaking to anyone and without waiting for office hours.
The agreement is generated and confirmed as soon as the borrower commits, so there is no paperwork lag for a commitment to decay in.
Dignified collections protect the relationships behind the book.
Everything an in-house floor would see, you see: live performance, every interaction, and the guardrails you set.
Allocation, recovery, bucket performance and channel activity as they happen, filtered however you need to look at them.
Recordings you can pull yourself, against the account they belong to. You do not have to ask us for them.
A weekly cadence and a monthly review from day one, on definitions agreed up front rather than in our template.
The calling hours, contact caps and conduct rules you set are the ones enforced, and you can see that they held.
This is the part agencies will not give you. Ask to see the live view on a real book before you allocate anything.
Personal loans · credit cards · auto loans · BNPL · telecom · SME receivables.
Banks · BNPL providers · fintech lenders · telecoms.
Licensed in the UAE and Saudi Arabia, operating across the wider GCC.
We are. A commission on recovery, nothing up front, and no fee if we collect nothing.
Live, on your own book, down to individual call recordings — not a figure at month end.
Calling hours and contact caps are enforced by the platform, every call is recorded, and conduct is scored against the rules you set.
Reachability, channel preference and treatment history on every account — so what we learn improves your early-stage strategy rather than disappearing.
No system to replace and no heavy integration. Four steps from signature to a working book.
Commercial agreement signed, with your conduct conditions — calling hours, channels, escalation — captured up front rather than discovered later.
Data schema agreed, and the secure channel stood up and tested end to end.
Your file validated, reconciled and loaded, campaigns configured to your guardrails, and outreach begins.
Weekly cadence and monthly reviews from day one. Add buckets, products and volume as the results land.
Start with one segment, a fixed window, measured against your current recovery.
Allocate is for lenders who would rather hand the book over than build the operation. If you want your own team collecting with better tooling, that is Command. If you want your team on the early buckets and ours on the rest, that is Hybrid. The same platform runs underneath all three.
If your servicer fails or you want to sell the book, that is Securitize.
Bring one segment and your current recovery rate. We will tell you what we would do differently and what we think it is worth.