FinanceOps
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AI collections. Built for credit unions.

We collect.
You keep
98.5%.

Your members. Your brand. Our AI agents.
Send the past-due accounts you want collected through SFTP. Your white-labelled AI agents handle the outreach. You pay only when we recover.

No setup fee. No subscription. No fee on unrecovered amounts.

$1M+
Collected at LA Federal Credit Union
90%
Lower collection costs at SkyOne FCU
First-year rateCredit union offer
1.5%

of eligible recoveries.

Fixed at 1.5% for your first 12 months.
  • SMS costs covered
  • Email costs covered
  • AI agent costs covered
  • No subscription fee
We cover the costs. You keep the recovery.
Trusted by credit unions
LA Federal Credit UnionSkyOne Federal Credit Union
See their results
How it works

Send the file.
We take it from there.

You choose the accounts. We do the follow-up. Keep your core system, your payment processor, and your member relationships.

01 / Send

Send what you want collected.

Securely transfer your selected past-due member accounts by SFTP. Start with the portfolio you choose. Send updated balances and payment files on an agreed schedule.

02 / Approve

Your brand. Your rules.

We configure your white-labelled AI agents. You approve the member messaging, contact rules, payment options, and when your team steps in.

03 / Collect

Working from day one.

Once setup and approvals are complete, your agents start working the approved accounts on day one of launch. See engagement, payment commitments, and recoveries as they happen.

Member experience

Collect the balance.
Keep the relationship.

A missed payment should start a helpful conversation. FinanceOps brings member servicing and collections together under your credit union's brand.

Your Credit Union
AI member support · Your approved voice
Illustrative conversation after identity verification
Thanks for verifying, Jordan. I'm your credit union's AI assistant. I can help you explore the payment options available for your account.
Can I split this into two payments?
Let's check the options your credit union has approved. What payment schedule would work for you?
The 15th and the end of the month would help.
Your policies guide every next step.

  • White-labelled, two-way conversations

    Members hear from your credit union, with consistent support across SMS, email, and AI agents.

  • Help members find a way forward

    Answer payment questions and offer arrangements within your approved policies. Recognize hardship and route exceptions with care.

  • Your people stay in control

    Your team handles sensitive situations, disputes, and decisions that need human judgment.

Credit union results

Real credit unions.
Real recoveries.

See what LAFCU and SkyOne achieved with FinanceOps. Every number comes from a published case study.

LA Federal Credit UnionCase study
$1M+
Collected
65%
Reduction in delinquency

AI-powered outreach helped LAFCU reach members earlier and resolve past-due balances with less manual collection work.

Read the LAFCU case study
SkyOne Federal Credit UnionCase study
90%
Reduction in costs
8×
Increase in payments

SkyOne used FinanceOps to increase payments and reduce operating costs while scaling collections without adding headcount.

Read the SkyOne case study

Results reported in FinanceOps' published case studies. Portfolio scope and measurement periods differ. Individual results will vary.

Pricing

All we charge is
a 1.5% success fee.

For your first 12 months of live service, pay 1.5% of eligible recoveries from the portfolio defined in your agreement.

  • SMS, email, and AI agent costs included in the FinanceOps fee.
  • No setup fee. No platform subscription.
  • No success fee on amounts not recovered.
  • FinanceOps invoices your credit union and provides a secure payment link.

Your agreement defines eligible recoveries and billing. Members pay through your existing payment processor, and its charges remain separate. Pricing after month 12 is agreed in writing before launch.

On $100,000 of eligible recoveries
Typical collection agency (up to 30%)$30,000
in contingency fees
FinanceOps at 1.5% $1,500
SMS, email, and AI agent costs included
Your credit union keeps
$98,500of every $100,000 recovered

Illustrative fee calculation, before existing payment processor charges. Agency fees vary. This is not a recovery forecast.

Controls

Less chasing.
More control.

Your team sets the boundaries. FinanceOps automates the follow-up and gives you visibility into what happened, what was recovered, and what needs attention.

01

Rules checked before outreach

Apply your approved contact windows, channel permissions, consent requirements, account restrictions, and escalation rules.

02

An auditable record of every interaction

Review member conversations, payment commitments, exceptions, and collection activity in one place.

03

Secure SFTP. Your existing payment flow.

Transfer approved account files securely. Members pay your credit union through its existing processor. FinanceOps invoices your credit union for success fees.

04

Performance you can take to the board

Track recoveries, member engagement, kept payment commitments, and cost to collect across your selected portfolio.

Independently audited security.

Controls reviewed against recognized security standards.

Explore security and controls
AICPA SOC 2
SOC 2 Type II
AICPA
ISO 27001
Certified
FAQ

Clear answers.
No surprises.

For the first 12 months of live service, FinanceOps charges 1.5% of eligible recoveries from the agreed portfolio. Your agreement defines eligibility and billing. There is no setup fee or subscription.

Yes. SMS, email, and AI agent costs are included. Your payment processor's charges are separate.

No. Transfer agreed files through secure SFTP, keep your core and payment processor, and continue using your current payment channels.

From day one of your approved launch. Before that, we complete setup, file validation, required checks, and your go-live approval. Signing up does not start outreach or transfer member data.

Your agents operate under your credit union's approved branding and messaging. AI identity is disclosed as required and configured in your policies. Payment questions, hardship signals, and disputes follow your approved servicing and collections workflows, with human escalation when needed.

Yes. Your team approves the portfolio, contact rules, messaging, payment options, stop conditions, and escalation paths. Implementation confirms how your collection policy applies.

You choose the portfolio to review. FinanceOps confirms eligible account types, delinquency stages, exclusions, and data requirements before launch. Send accounts only through secure SFTP, never through the signup form.

Any pricing after the first 12 months is agreed in writing before launch.

Let's put your AI agents to work

Your members. Your brand. Your next recovery.

Tell us about your credit union. We'll confirm your portfolio, agree your SFTP setup, and configure your white-labelled AI agents.

1.5%
Success fee. That's it.
Fixed for your first 12 months.
  • SMS included
  • Email included
  • AI agents included
  • No setup fee

1.5% of eligible recoveries for your first 12 months of live service. No setup fee or subscription. Processor charges are separate. Pricing after month 12 is agreed in writing before launch.

Join credit unions already working with FinanceOps.
LA Federal Credit UnionSkyOne Federal Credit Union

Register your credit union.

Get the 1.5% offer. No payment details needed.

This is a non-binding request. Offer terms are confirmed before launch. Please do not submit member names, account details, or debt files here. We'll confirm by email right away. Privacy Policy applies. Unsubscribe anytime.