Stop chasing. Let AI recover your overdue accounts.
BLU365 analyzes each borrower, chooses the channel, message, and timing, then runs recovery conversations automatically on WhatsApp, SMS, or email.
Collections that serve lenders and borrowers
BLU365 replaces call-center volume with tailored outreach that earns real borrower responses.
AI Channel Choice
BLU365 reads each borrower's engagement history and picks WhatsApp, SMS, or email based on where they are most likely to respond, not a generic blast.
Behavioral Profiles
AI adapts tone, timing, and message structure for each account, making outreach feel helpful rather than threatening and increasing engagement across the portfolio.
Payment Confirmation
When a borrower agrees to pay via PIX or boleto, BLU365 manages the payment link, tracks confirmation in real time, and closes the loop in your portfolio system.
Resolve overdue accounts in 3 steps
BLU365 connects to your portfolio, runs conversations, and reports results. No manual steps or call-center queue.
Connect your portfolio
Import overdue accounts via API or CSV. BLU365 segments by balance, days overdue, and product type, giving each account the right approach from day one.
AI Borrower Profiles
The platform reads channel preference, engagement windows, and message tone for every account. It selects the channel and moment most likely to get a response, then sends.
Run conversations, receive payments
BLU365 manages replies, sends payment links, confirms receipts, and updates your system. Your team sees outcomes instead of call volume.
From flagged to cleared
Each overdue account moves through a structured AI recovery path, while your team controls the parameters.
BLU365 pulls the account via API. Balance, DPD, and product type are read instantly.
Profile built. WhatsApp, SMS, or email chosen. Send window calculated.
The first outreach goes out. BLU365 tracks opens and replies, then adjusts the follow-up cadence.
AI handles objections and negotiates by message. PIX or boleto link sent when the borrower commits.
Payment confirmed in real time. Portfolio updated. Account removed from the active campaign queue.
What lenders see in 30 days
Combined results from our early-access pilot: three lender clients and approximately 2,400 accounts, from Q4 2025 through Q1 2026.
After connecting our portfolio, BLU365 started conversations in week one with accounts our team had not touched in 60 days. We recovered 31% of that segment in two weeks, with zero additional headcount.
Plans for each portfolio size
Begin with today's accounts and scale with recovery volume. Every plan includes AI channel selection and automatic payment confirmation.
- Personalized AI messages
- Email and SMS
- Core recovery analytics
- CSV portfolio import
- Email help
- All Starter
- WhatsApp included
- Borrower engagement scores
- Advanced analytics dashboard
- Read-only API
- Priority help
- All Growth
- Manage multiple portfolios
- Complete API
- Dedicated customer success manager
- Custom connections
- Uptime SLA
Ready to chase less and recover more?
Talk to our team and see BLU365 handle your overdue portfolio, from first contact to payment confirmation.