| What it does | AI debt collection software that scales teams, sharpens targeting, and outperforms agency-led models
| Private lending software that drafts promissory notes, computes schedules, tracks payments, and keeps both parties on one ledger
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| Stage | Established
| Startup
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| Founded | Not given
| 2026
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| Based in | US
| US
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| Pricing model | Contact for pricing
| Freemium
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| Pricing | Not given
| Free plan: $0, up to 2 open loans. Standard plan: $12 per month or $120 per year, unlimited open loans.
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| Key features | - Collection Intelligence: decisioning, journey design, and optimization for smarter collections
- Specialized AI agents coordinating decisions, conversations, and learning across seven specialist roles
- Omnichannel outreach via voice, SMS, email and chat
- Built-in compliance with FDCPA, TCPA, Reg F, HIPAA, SOC 2 Type II, PCI-DSS, UDAAP, HITECH
- Real-time propensity scoring and account intelligence
- Skip-tracing and contact recovery for unreachable accounts
- Performance coaching and quality management at scale
- Integration with CRMs, dialers, payment systems, and data sources
- Real-time performance insights and analytics
- Pre-call account scrubbing with DNC, bankruptcy, statute of limitations checks
| - Promissory note generation from loan terms
- Amortization schedule computation
- Payment confirmation by both parties
- E-signature with document hashing
- Payment reminders before due dates
- Bank debit collection on Standard plan
- Loan modification and forgiveness agreements
- Write-off record for unpaid loans
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| What makes it different | - AI-native since 2016, a decade of head start on teams retrofitting AI today
- Performance-based contingency models that align incentives
- Compliance built into the core, not bolted on
- End-to-end ownership from integration to performance, fully automated and auditable
- Deep focus on collections recovery, not a generalist platform
| - Append-only, hash-chained ledger that cannot be secretly altered
- Never holds funds or acts as a financial institution
- Legally-structured promissory notes with all required terms
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| Free plan | Not given
| Not given
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| Open source | Not given
| Not given
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| Platforms | Not given
| Not given
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| Public API | Not given
| Not given
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 58 ▲ +1 (up) since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 12 | 1 |
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| Citation Flow (Majestic) | 27 | 22 |
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| Referring domains (Majestic) | 311 | 7 |
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Skit.ai
NoteHouse