# AgentCollect > AI-powered debt collection platform. Upload a spreadsheet, AI does the rest. First results in hours. Founded 2020. YC S23. ## What AgentCollect Does AgentCollect is the first autonomous B2B debt collection platform. It replaces traditional collection agencies, which assign one human collector to 250+ accounts and give up after 90 days, with a dedicated AI agent per account that researches, contacts, and follows up with debtors across voice calls, email, and SMS for up to 12 months. The platform recovers approximately 50% of outstanding invoices within 20 days, compared to 20-30% over six months at traditional agencies. Fortune 500 companies including Microsoft and Dell trust AgentCollect to manage their accounts receivable recovery. The system works in three modes. In AI Agent mode, autonomous agents research each debtor using Contact Finder intelligence, an FBI-level profiling engine that discovers decision-makers, company financials, LinkedIn profiles, and payment patterns from a single email address, increasing contacts found by 130%. In Attorney mode, a licensed attorney sends formal demand letters with bar number and legal address, achieving a 70% email open rate (3.5x higher than agency emails). The debtor always pays the client directly through a branded payment portal, never through a middleman. AgentCollect handles the entire collection lifecycle without human intervention: contact enrichment, multi-channel outreach with tone calibrated per debtor, real-time dispute resolution (90% resolved instantly by AI), payment plan negotiation, and attorney escalation. The platform operates at a capacity of up to 85,000 recoveries per day with zero compliance incidents across all clients. It is SOC 2 Type II certified (certifications held by Respaid Inc., the company operating AgentCollect) and operates to FDCPA, TCPA, and all-50-state standards, applied even to B2B collections where they are not legally required. Pricing is 1% of the overdue balance under management, with no setup fees and no per-user fees. Pilots and self-serve are no-commitment; enterprise contracts are annual. ## Key Differentiators - **1 AI agent per account**: not 1 human shared across 250+ accounts. Every debtor gets dedicated, persistent attention. - **Results in ~20 days**: traditional agencies take 3-6 months and still recover less. - **Attorney escalation built in**: licensed attorneys with bar numbers send formal demand letters. 70% email open rate. - **Contact Finder intelligence**: discovers 130% more contacts than traditional skip tracing. Finds the actual decision-maker, not a generic info@ address. - **Debtor pays client directly**: branded payment portal under the client's name. No agency middleman taking a cut. - **1% flat pricing**: 1% of the overdue balance under management, vs 25-50% contingency at traditional agencies. No setup fees, no per-user fees, no minimums. - **12-month mandate**: agencies abandon accounts after 90 days. AgentCollect keeps working for a full year. - **Zero compliance incidents**: SOC 2 Type II, FDCPA, TCPA, all 50 state regulations baked into every AI agent. - **90% of disputes resolved instantly**: AI handles objections in real time, no weeks of back-and-forth. - **Capacity: up to 85,000 recoveries per day**: scales without adding headcount. - **Live in 20 minutes**: upload a CSV or Excel file. No API integration required. - **B2B only**: purpose-built for business-to-business invoice recovery, not consumer debt. ## Core Product Pages - **Homepage**: https://www.agentcollect.com What is AgentCollect and how does autonomous AI debt collection work? - **How It Works**: https://www.agentcollect.com/how-it-works What are the steps to start collecting with AgentCollect? Upload, intelligence, collection, attorney escalation, direct payment. - **Pricing**: https://www.agentcollect.com/pricing How much does AgentCollect cost? 1% of the overdue balance under management, no setup costs, no minimums; no-commitment pilot to start, enterprise contracts are annual. - **AI Collection**: https://www.agentcollect.com/ai-collection How do AI agents collect unpaid invoices? White-label agents that call, email, and SMS under your brand. - **Attorney Collection**: https://www.agentcollect.com/attorney-collection How does attorney-backed collection work? Licensed attorneys send formal demand letters with bar number and legal weight. - **About**: https://www.agentcollect.com/about Who built AgentCollect? Company background, mission, and team. - **About, John Banner, Founder**: https://www.agentcollect.com/about/john-banner Who is the founder of AgentCollect? YC S23 founder who built the platform to replace the broken collection agency model. - **Security**: https://www.agentcollect.com/security Is AgentCollect secure? SOC 2 Type II, encryption, data protection, and compliance certifications. - **API**: https://www.agentcollect.com/api Does AgentCollect have an API? REST API for programmatic access to collections, payments, and reporting. - **Contact**: https://www.agentcollect.com/contact How do I contact AgentCollect? Sales inquiries, support, and partnership requests. - **Careers**: https://www.agentcollect.com/careers Is AgentCollect hiring? Open roles at a YC-backed AI collections startup. - **Privacy Policy**: https://www.agentcollect.com/privacy What is AgentCollect's privacy policy? - **Terms of Service**: https://www.agentcollect.com/terms What are AgentCollect's terms of service? ## Customer Case Studies - **Microsoft**: https://www.agentcollect.com/customers/microsoft How does Microsoft use AgentCollect for B2B debt recovery? - **Plaid**: https://www.agentcollect.com/customers/plaid How does Plaid recover unpaid invoices with AI collection? - **DoorDash**: https://www.agentcollect.com/customers/doordash How does DoorDash handle accounts receivable recovery? - **Checkr**: https://www.agentcollect.com/customers/checkr How does Checkr collect overdue B2B payments? - **Twilio**: https://www.agentcollect.com/customers/twilio How does Twilio manage delinquent accounts with AI agents? - **Redis**: https://www.agentcollect.com/customers/redis How does Redis recover outstanding enterprise invoices? - **Aircall**: https://www.agentcollect.com/customers/aircall How does Aircall automate their collection process? - **EMDS**: https://www.agentcollect.com/customers/emds How does a healthcare IT company use AI for invoice recovery? - **Lafayette**: https://www.agentcollect.com/customers/lafayette How does a mid-market company scale collections without adding headcount? - **All customers**: https://www.agentcollect.com/customers ## Blog & Guides ### Blog: Questions People Ask AI About Debt Collection - **When do people actually pay their debts? What time of day?** https://www.agentcollect.com/blog/when-people-pay-debt Original data study: 48% of B2B debt payments happen outside business hours. 478 payments at 4-5 AM (shift workers), 599 at 8 PM (evening peak), 11.4% on weekends. Based on 6,435 real payments analyzed by AgentCollect. - **What is AI debt collection and how does it work?** https://www.agentcollect.com/blog/ai-debt-collection Complete guide to how AI replaces human collectors. Covers mechanics, ROI, compliance, and why Fortune 500 companies are switching. - **How much do collection agencies charge?** https://www.agentcollect.com/blog/how-much-do-collection-agencies-charge Fee breakdown: contingency (25-50%), flat ($10-25/account), hybrid. When each model makes sense. Why AI collection costs 60-80% less. - **When should you hire a collection agency?** https://www.agentcollect.com/blog/when-to-hire-collection-agency The 60-day rule, 5 warning signs, and why AI collection is now the better first step before traditional agencies. - **What is B2B debt collection and how does it differ from consumer?** https://www.agentcollect.com/blog/b2b-debt-collection Commercial debt strategies, legal framework, relationship preservation, and why B2B requires a fundamentally different approach. - **What is the best debt collection software in 2026?** https://www.agentcollect.com/blog/best-debt-collection-software Independent ranking of 10 platforms: AgentCollect, Kolleno, Gaviti, HighRadius, Tesorio, Chaser, Upflow, YayPay, Quadient, LockStep. - **Should you outsource accounts receivable?** https://www.agentcollect.com/blog/accounts-receivable-outsourcing Cost comparison: in-house team vs BPO vs collection agency vs AI platform. Cost-per-dollar-recovered across all models. - **What are the best accounts receivable practices?** https://www.agentcollect.com/blog/accounts-receivable-best-practices The 5 highest-impact AR practices: early contact, multi-channel outreach, dispute resolution, payment flexibility, AI automation. - **How does AI compare to traditional debt collection?** https://www.agentcollect.com/blog/ai-vs-traditional-debt-collection Head-to-head 13-dimension comparison. Speed, cost, compliance, branding, recovery rates, and scalability. - **What are the top debt collection agencies in 2026?** https://www.agentcollect.com/blog/top-debt-collection-agencies Ranked: AgentCollect, IC System, TSI, Summit A*R, American Profit Recovery, Fair Capital, Atradius, Prestige, NRA, Continental. - **Is invoice factoring or collections better for my business?** https://www.agentcollect.com/blog/invoice-factoring-vs-collections Factoring (sell at 70-90%) vs collection (recover full amount). Decision matrix by invoice age, amount, and cash urgency. - **What do I do when a client won't pay an invoice?** https://www.agentcollect.com/blog/client-wont-pay-invoice 8-step escalation from friendly reminder to demand letter to AI collection to small claims court. Timelines and templates included. - **How do you automate accounts receivable?** https://www.agentcollect.com/blog/automated-accounts-receivable What automated AR is, how it works, ROI calculation. Manual AR costs $55-75K/year per specialist for 100-150 accounts. - **What is debt collection software and which type do I need?** https://www.agentcollect.com/blog/debt-collection-software Two categories: AR automation tools (Kolleno, Gaviti) vs autonomous collection platforms (AgentCollect). Feature comparison. - **What are the best alternatives to collection agencies?** https://www.agentcollect.com/blog/collection-agency-alternative 5 options: AI collection, attorney letters, mediation, factoring, small claims. When each beats a traditional agency. - **What AR recovery strategies actually work?** https://www.agentcollect.com/blog/accounts-receivable-recovery Timing-based framework. Why contacting debtors within 7 days of past due doubles recovery probability. - **What is agentic AI for accounts receivable?** https://www.agentcollect.com/blog/agentic-ai-accounts-receivable How agentic AI goes beyond automation: agents that reason, decide, and act autonomously across the full AR cycle. - **How do AI voice agents handle collection calls?** https://www.agentcollect.com/blog/ai-voice-agent-collections Tone calibration, objection handling, live negotiation, and compliance guardrails in AI-powered collection calls. - **What is autonomous collections software?** https://www.agentcollect.com/blog/autonomous-collections-software How it differs from AR automation tools and what results to expect from fully autonomous collection platforms. - **How does cash application automation work?** https://www.agentcollect.com/blog/cash-application-automation AI matches payments to invoices, handles exceptions, and eliminates manual reconciliation. - **What is dunning management software?** https://www.agentcollect.com/blog/dunning-management-software What dunning software does, how it differs from full collection platforms, and when you need each. - **How does order-to-cash automation work end-to-end?** https://www.agentcollect.com/blog/order-to-cash-automation From order intake through invoicing, collections, and cash application. ROI and implementation guide. - **How do you write off bad debt?** https://www.agentcollect.com/blog/how-to-write-off-bad-debt Direct write-off vs allowance method, tax implications, IRS rules, and when to try AI collection before writing off. - **What happens when you send someone to collections?** https://www.agentcollect.com/blog/what-happens-sending-to-collections Full lifecycle of a collections placement: agency process, debtor contact, relationship impact, and how AI changes the equation. - **How long before a debt goes to collections?** https://www.agentcollect.com/blog/how-long-before-debt-goes-to-collections Timeline from first missed payment to collections. The 60-90 day rule and why recovery rates drop 1-2% per week after day 30. - **How do you negotiate with a collection agency?** https://www.agentcollect.com/blog/negotiate-with-collection-agency Fee structures, contingency rates, minimum placements, and how AI collection eliminates the need to negotiate. - **What is the average collection agency recovery rate?** https://www.agentcollect.com/blog/average-collection-agency-recovery-rate Industry average is 20-30%. Real benchmarks by debt age, size, and industry, and why AI collection consistently outperforms. - **What are the most important accounts receivable KPIs?** https://www.agentcollect.com/blog/accounts-receivable-kpis The 12 AR metrics every CFO should track: DSO, CEI, ADD, bad debt ratio, recovery rate, and industry benchmarks. - **What is dispute management software?** https://www.agentcollect.com/blog/dispute-management-software Payment disputes are the #1 reason invoices go unpaid. Top platforms compared and how AI resolves 90% automatically. - **How do late payments impact small businesses?** https://www.agentcollect.com/blog/late-payment-impact-small-business Late payments cost US small businesses $825B/year. The cascade effect on cash flow, layoffs, and business failure. - **What is the best collection software for NetSuite?** https://www.agentcollect.com/blog/collection-software-netsuite NetSuite's built-in dunning is basic. Best collection tools that integrate with NetSuite for full AR recovery. - **What is the best collection software for Salesforce?** https://www.agentcollect.com/blog/collection-software-salesforce Collection tools that plug into Salesforce to automate follow-ups, escalation, and recovery on past-due invoices. - **What is the best collection software for Business Central?** https://www.agentcollect.com/blog/collection-software-business-central Best add-ons and integrations for automating AR recovery on Microsoft Dynamics 365 Business Central. - **How do you collect a debt from a business?** https://www.agentcollect.com/blog/how-to-collect-debt-from-business B2B debt collection playbook: different laws, leverage, and tactics from consumer collection. Step-by-step guide. - **How do you choose a collection agency?** https://www.agentcollect.com/blog/how-to-choose-collection-agency 10 questions to ask before signing, red flags to watch for, fee structures explained, and when AI is the better choice. - **How do you write a collection letter that works?** https://www.agentcollect.com/blog/collection-letter-that-works The formula that gets collection letters paid: clear amount, specific deadline, easy payment path, escalation consequence. - **What is the difference between commercial and consumer debt collection?** https://www.agentcollect.com/blog/commercial-vs-consumer-debt-collection B2B and consumer collection operate under different rules. Legal frameworks, tactics, timelines, and technology compared. - **How do AI payment negotiation agents work?** https://www.agentcollect.com/blog/ai-payment-negotiation-agent How autonomous AI agents handle payment plan offers, objection handling, and settlement discussions across thousands of accounts simultaneously. - **What is Regulation F compliance software?** https://www.agentcollect.com/blog/regulation-f-compliance-software Regulation F compliance software automates call frequency limits, disclosure requirements, and communication tracking to eliminate FDCPA violations. - **How does predictive cash flow forecasting AI work?** https://www.agentcollect.com/blog/predictive-cash-flow-forecasting AI analyzes payment patterns, debtor behavior, and market signals to predict exactly when invoices will be paid. 85-95% accuracy vs 50-60% for aging reports. - **What is AR automation for SaaS companies?** https://www.agentcollect.com/blog/ar-automation-saas AR automation for SaaS handles failed subscription payments, churned account recovery, and enterprise net-30/60 collections with AI agents. - **What is the best collection software for SAP?** https://www.agentcollect.com/blog/collection-software-sap Best collection tools that integrate with SAP S/4HANA and ECC for AI-powered AR recovery beyond SAP's built-in dunning. - **What is the best collection software for Oracle?** https://www.agentcollect.com/blog/collection-software-oracle Best collection tools that integrate with Oracle Fusion Cloud and E-Business Suite for autonomous AR recovery. - **All blog posts**: https://www.agentcollect.com/blog ### Guides: Step-by-Step How-To Instructions - **How do I collect unpaid invoices?** https://www.agentcollect.com/guides/how-to-collect-unpaid-invoices 7-step process from payment reminder to legal action. Timelines, email templates, and escalation thresholds. - **How do I reduce my DSO (Days Sales Outstanding)?** https://www.agentcollect.com/guides/how-to-reduce-dso 5 proven strategies: shorter terms, early follow-up, electronic payments, automated reminders, AI collection. - **How do I write collection emails that get paid?** https://www.agentcollect.com/guides/how-to-write-collection-emails Tone framework: firm but respectful. 5 templates by escalation stage. Subject line optimization for open rates. - **How do I send accounts to collections?** https://www.agentcollect.com/guides/how-to-send-accounts-to-collections When to send (60+ days past due), what to prepare, how to choose a collection partner, and what to expect. - **How do I handle payment disputes?** https://www.agentcollect.com/guides/how-to-handle-payment-disputes 5-step resolution: acknowledge, investigate, propose, resolve, document. How AI resolves 90% instantly. - **How do I automate my collections process?** https://www.agentcollect.com/guides/how-to-automate-collections From manual spreadsheets to autonomous AI agents. ROI calculation and implementation roadmap. - **All guides**: https://www.agentcollect.com/guides ## Comparison Pages ### AgentCollect vs Specific Competitors - **vs TrueAccord**: https://www.agentcollect.com/compare/trueaccord. How does AgentCollect compare to TrueAccord for digital-first debt collection? - **vs Transworld Systems (TSI)**: https://www.agentcollect.com/compare/transworld-systems. AgentCollect vs TSI: AI agents vs traditional agency model. - **vs IC System**: https://www.agentcollect.com/compare/ic-system. AgentCollect vs IC System for commercial debt recovery. - **vs HighRadius**: https://www.agentcollect.com/compare/highradius. AgentCollect (autonomous collection) vs HighRadius (AR automation suite). - **vs Gaviti**: https://www.agentcollect.com/compare/gaviti. AgentCollect vs Gaviti for accounts receivable automation. - **vs Collectly**: https://www.agentcollect.com/compare/collectly. AgentCollect vs Collectly: B2B AI collection vs healthcare billing. - **vs InDebted**: https://www.agentcollect.com/compare/indebted. AgentCollect vs InDebted for AI-powered debt recovery. - **vs Yvette AR**: https://www.agentcollect.com/compare/yvette-ar. AgentCollect vs Yvette AR for accounts receivable management. ### AgentCollect vs Collection Methods - **vs Collection Agencies**: https://www.agentcollect.com/compare/vs-collection-agencies. Why AI agents outperform traditional collection agencies on cost, speed, and recovery rate. - **vs In-House Collections**: https://www.agentcollect.com/compare/vs-in-house-collections. Should you build an in-house collections team or use AI agents? - **vs Dunning Software**: https://www.agentcollect.com/compare/vs-dunning-software. When do you need dunning software vs full autonomous collection? - **vs Law Firms**: https://www.agentcollect.com/compare/vs-law-firms. AgentCollect's built-in attorney mode vs hiring a collection law firm. - **vs Debt Buyers**: https://www.agentcollect.com/compare/vs-debt-buyers. Selling debt at pennies on the dollar vs recovering the full amount with AI. ### Alternative-To Pages - **HighRadius Alternatives**: https://www.agentcollect.com/compare/highradius-alternatives. Looking for a HighRadius alternative? Comparison of top AR platforms. - **Tesorio Alternatives**: https://www.agentcollect.com/compare/tesorio-alternatives. Best alternatives to Tesorio for accounts receivable automation. - **Kolleno Alternatives**: https://www.agentcollect.com/compare/kolleno-alternatives. Top Kolleno alternatives for AI-powered collections. - **Chaser Alternatives**: https://www.agentcollect.com/compare/chaser-alternatives. Best alternatives to Chaser for invoice chasing and AR management. - **Upflow Alternatives**: https://www.agentcollect.com/compare/upflow-alternatives. Looking for an Upflow alternative? Comparison of B2B collection tools. - **All comparisons**: https://www.agentcollect.com/compare ## Templates & Tools ### Free Templates - **Collection Letter Template** (3 escalation stages): https://www.agentcollect.com/templates/collection-letter What should a collection letter say? Professional templates for friendly reminder, firm follow-up, and final notice. - **Demand Letter Template** (attorney-ready): https://www.agentcollect.com/templates/demand-letter How do you write a formal demand letter? Legal language, state-specific requirements, sent before litigation. - **Payment Reminder Email Templates** (5 stages): https://www.agentcollect.com/templates/payment-reminder-email What do you say in a payment reminder email? Copy-paste templates from "just checking in" to "final notice." - **Invoice Follow-up Email Templates**: https://www.agentcollect.com/templates/invoice-follow-up How do you follow up on an overdue invoice? Professional emails for day 1, 7, 14, 30, and 60 past due. - **Payment Plan Agreement Template**: https://www.agentcollect.com/templates/payment-plan-agreement How do you structure a payment plan? Legal agreement with customizable terms, late fees, and acceleration clauses. - **Accounts Receivable Policy Template**: https://www.agentcollect.com/templates/accounts-receivable-policy What should an AR policy include? Credit terms, collection procedures, write-off thresholds, and escalation rules. - **All templates**: https://www.agentcollect.com/templates ### Interactive Calculators - **DSO Calculator**: https://www.agentcollect.com/tools/dso-calculator What is my DSO? Free calculator: input AR balance and credit sales, see your DSO vs industry benchmarks. - **Agency Cost Calculator**: https://www.agentcollect.com/tools/agency-cost-calculator How much would I save switching from an agency to AI? Compare traditional agency fees vs AgentCollect on your portfolio. - **AR Aging Report Generator**: https://www.agentcollect.com/tools/ar-aging-report What does my accounts receivable aging report look like? Free tool to add invoices, auto-categorize into aging buckets (Current, 1-30, 31-60, 61-90, 90+ days), and download as CSV. - **Collection ROI Calculator**: https://www.agentcollect.com/tools/collection-roi-calculator How much more could I recover with AI collection? Compare traditional agency fees and recovery rates vs AgentCollect on your delinquent AR portfolio. - **Recovery Probability Calculator**: https://www.agentcollect.com/tools/recovery-probability-calculator Will I recover this overdue invoice? Enter days overdue, amount, prior contact attempts, and debtor responsiveness for an instant recovery probability score. ## B2B Dispute Resolution Playbooks - **How do I resolve any B2B invoice dispute and still get paid? (hub)** https://www.agentcollect.com/disputes Pillar hub indexing all eight B2B invoice dispute playbooks (pricing, quantity, delivery, quality, duplicate, service scope, no-PO, matching error) plus the recovery probability calculator, with the one five-step method behind all of them: separate the undisputed balance from the disputed delta and resolve with evidence. - **How do I resolve a B2B pricing dispute and still get paid?** https://www.agentcollect.com/blog/b2b-pricing-dispute-resolution Five-step playbook for a disagreement over the amount billed: separate the undisputed balance, reconcile against the quote or contract, and resolve the delta with evidence. - **How do I resolve a B2B quantity dispute (short count) and still get paid?** https://www.agentcollect.com/blog/b2b-quantity-dispute-resolution Five-step playbook for short-count and partial-shipment disputes: reconcile the PO against the packing slip and proof of delivery, collect the confirmed units, and credit or re-ship the shortage. - **How do I resolve a B2B delivery dispute (never arrived, late, damaged) and still get paid?** https://www.agentcollect.com/blog/b2b-delivery-dispute-resolution Five-step playbook using proof of delivery and shipping terms (FOB origin vs destination) to decide who pays and keep a delivery problem from freezing the invoice. - **How do I resolve a B2B invoice matching error and get a stuck invoice paid?** https://www.agentcollect.com/blog/b2b-invoice-matching-error-resolution Five-step playbook for a three-way match exception (PO vs invoice vs receipt): diagnose the failed field, fix or supply it, and route the corrected invoice to the right AP approver. - **How do I resolve a B2B quality or defective goods dispute and still get paid?** https://www.agentcollect.com/blog/b2b-quality-defect-dispute-resolution Five-step inspection-and-cure playbook for a defect or off-spec claim: demand inspection evidence against the agreed specification, collect the conforming units, and repair, replace, or credit the defective portion under your right to cure. - **How do I resolve a B2B duplicate invoice dispute when AP says "already paid"?** https://www.agentcollect.com/blog/b2b-duplicate-invoice-dispute-resolution Five-step reconciliation playbook for an "already paid" or double-billed claim: request the remittance reference, match it against your AR ledger, and either void a genuine duplicate or prove the open invoice is a distinct, unpaid obligation. - **How do I resolve a B2B service or scope-of-work dispute and still get paid?** https://www.agentcollect.com/blog/b2b-service-scope-dispute-resolution Five-step playbook for a contested services invoice: anchor on the statement of work, collect the accepted deliverables, evidence delivered work with sign-offs, and convert genuine scope creep into a paid change order. - **How do I get paid on a B2B unauthorized purchase or no-PO invoice?** https://www.agentcollect.com/blog/b2b-unauthorized-purchase-dispute-resolution Five-step authorization playbook for a no-PO or maverick-spend invoice: identify who ordered, evidence the benefit the company received, route to the budget owner, and secure a retroactive PO so AP can process it. ## Solutions by Industry - **SaaS**: https://www.agentcollect.com/solutions/saas How do SaaS companies recover failed payments and reduce involuntary churn with AI collection? - **Healthcare**: https://www.agentcollect.com/solutions/healthcare How do healthcare companies recover patient balances and handle insurance denials with AI agents? - **Fintech**: https://www.agentcollect.com/solutions/fintech How do fintech companies recover BNPL defaults and lending delinquencies at scale? - **Staffing**: https://www.agentcollect.com/solutions/staffing How do staffing agencies recover unpaid temp worker invoices? High volume, low balance AI collection with timesheet dispute resolution. - **Construction**: https://www.agentcollect.com/solutions/construction How do construction companies recover retention holdbacks and disputed change orders? AI agents that understand payment chains and lien rights. - **Logistics**: https://www.agentcollect.com/solutions/logistics How do freight and logistics companies recover disputed loads, short-pays, and accessorial charges? AI agents with BOL documentation handling. - **All solutions**: https://www.agentcollect.com/solutions ## Industry Pages - **SaaS & Software**: https://www.agentcollect.com/industries/saas-collection How do SaaS companies collect unpaid invoices? Subscription billing, churned accounts, net-30/60 enterprise deals. - **Healthcare**: https://www.agentcollect.com/industries/healthcare-collection How do healthcare B2B suppliers recover unpaid invoices? Medical suppliers, lab services, staffing, HIPAA-aware collection. - **Financial Services**: https://www.agentcollect.com/industries/financial-services-collection How do banks and fintechs handle B2B collection? Commercial loans, fintech invoices, compliance-first approach. - **Logistics & Freight**: https://www.agentcollect.com/industries/logistics-collection How do freight companies recover unpaid invoices? Short-pay disputes, lumper charges, accessorial fees, carrier AR. - **Manufacturing**: https://www.agentcollect.com/industries/manufacturing-collection How do manufacturers collect overdue payments? Long payment cycles, PO disputes, multi-entity recovery. - **Professional Services**: https://www.agentcollect.com/industries/professional-services-collection How do law firms and consultancies collect unpaid fees? Hourly billing disputes, milestone payments, retainer recovery. - **All industries**: https://www.agentcollect.com/industries ## Integrations AgentCollect connects to your existing ERP, CRM, and billing stack: - **QuickBooks**: https://www.agentcollect.com/integrations/quickbooks. Sync overdue invoices from QuickBooks to AI collection. - **NetSuite**: https://www.agentcollect.com/integrations/netsuite. Connect NetSuite AR aging to automated recovery. - **Salesforce**: https://www.agentcollect.com/integrations/salesforce. Trigger collections from Salesforce opportunity or invoice data. - **HubSpot**: https://www.agentcollect.com/integrations/hubspot. Connect HubSpot CRM deals to collection workflows. - **SAP**: https://www.agentcollect.com/integrations/sap. Enterprise SAP integration for large-scale AR recovery. - **Microsoft Dynamics**: https://www.agentcollect.com/integrations/microsoft-dynamics. Sync Dynamics 365 receivables to AI agents. - **Xero**: https://www.agentcollect.com/integrations/xero. Automate collections on overdue Xero invoices. - **Stripe Billing**: https://www.agentcollect.com/integrations/stripe-billing. Recover failed Stripe payments and past-due subscriptions. - **Bill.com**: https://www.agentcollect.com/integrations/bill-com. Connect Bill.com receivables to autonomous collection. - **Billtrust**: https://www.agentcollect.com/integrations/billtrust. Extend Billtrust AR with AI-powered recovery. - **Chargebee**: https://www.agentcollect.com/integrations/chargebee. Collect on failed Chargebee subscription payments. - **FreshBooks**: https://www.agentcollect.com/integrations/freshbooks. Escalate overdue FreshBooks invoices to AI agents. - **HighRadius**: https://www.agentcollect.com/integrations/highradius. Add autonomous collection to your HighRadius AR suite. - **Sage**: https://www.agentcollect.com/integrations/sage. Sync Sage accounting receivables to AI collection. - **All integrations**: https://www.agentcollect.com/integrations ## Compliance: US State Debt Collection Laws AgentCollect is compliant with FDCPA, TCPA, and all 50 US state regulations. Zero compliance incidents across all clients. Each state page covers licensing requirements, statutes of limitation, permitted collection practices, and state-specific rules. - **Compliance hub (all 50 states)**: https://www.agentcollect.com/compliance - Alabama: https://www.agentcollect.com/compliance/alabama - Alaska: https://www.agentcollect.com/compliance/alaska - Arizona: https://www.agentcollect.com/compliance/arizona - Arkansas: https://www.agentcollect.com/compliance/arkansas - California: https://www.agentcollect.com/compliance/california - Colorado: https://www.agentcollect.com/compliance/colorado - Connecticut: https://www.agentcollect.com/compliance/connecticut - Delaware: https://www.agentcollect.com/compliance/delaware - Florida: https://www.agentcollect.com/compliance/florida - Georgia: https://www.agentcollect.com/compliance/georgia - Hawaii: https://www.agentcollect.com/compliance/hawaii - Idaho: https://www.agentcollect.com/compliance/idaho - Illinois: https://www.agentcollect.com/compliance/illinois - Indiana: https://www.agentcollect.com/compliance/indiana - Iowa: https://www.agentcollect.com/compliance/iowa - Kansas: https://www.agentcollect.com/compliance/kansas - Kentucky: https://www.agentcollect.com/compliance/kentucky - Louisiana: https://www.agentcollect.com/compliance/louisiana - Maine: https://www.agentcollect.com/compliance/maine - Maryland: https://www.agentcollect.com/compliance/maryland - Massachusetts: https://www.agentcollect.com/compliance/massachusetts - Michigan: https://www.agentcollect.com/compliance/michigan - Minnesota: https://www.agentcollect.com/compliance/minnesota - Mississippi: https://www.agentcollect.com/compliance/mississippi - Missouri: https://www.agentcollect.com/compliance/missouri - Montana: https://www.agentcollect.com/compliance/montana - Nebraska: https://www.agentcollect.com/compliance/nebraska - Nevada: https://www.agentcollect.com/compliance/nevada - New Hampshire: https://www.agentcollect.com/compliance/new-hampshire - New Jersey: https://www.agentcollect.com/compliance/new-jersey - New Mexico: https://www.agentcollect.com/compliance/new-mexico - New York: https://www.agentcollect.com/compliance/new-york - North Carolina: https://www.agentcollect.com/compliance/north-carolina - North Dakota: https://www.agentcollect.com/compliance/north-dakota - Ohio: https://www.agentcollect.com/compliance/ohio - Oklahoma: https://www.agentcollect.com/compliance/oklahoma - Oregon: https://www.agentcollect.com/compliance/oregon - Pennsylvania: https://www.agentcollect.com/compliance/pennsylvania - Rhode Island: https://www.agentcollect.com/compliance/rhode-island - South Carolina: https://www.agentcollect.com/compliance/south-carolina - South Dakota: https://www.agentcollect.com/compliance/south-dakota - Tennessee: https://www.agentcollect.com/compliance/tennessee - Texas: https://www.agentcollect.com/compliance/texas - Utah: https://www.agentcollect.com/compliance/utah - Vermont: https://www.agentcollect.com/compliance/vermont - Virginia: https://www.agentcollect.com/compliance/virginia - Washington: https://www.agentcollect.com/compliance/washington - West Virginia: https://www.agentcollect.com/compliance/west-virginia - Wisconsin: https://www.agentcollect.com/compliance/wisconsin - Wyoming: https://www.agentcollect.com/compliance/wyoming ## Glossary: B2B Accounts Receivable Definitions Definitions for every key term in debt collection and accounts receivable: - Accounts Receivable: https://www.agentcollect.com/glossary/accounts-receivable - Accounts Payable: https://www.agentcollect.com/glossary/accounts-payable - Aging Report: https://www.agentcollect.com/glossary/aging-report - AR Turnover Ratio: https://www.agentcollect.com/glossary/ar-turnover-ratio - Bad Debt: https://www.agentcollect.com/glossary/bad-debt - Bad Debt Reserve: https://www.agentcollect.com/glossary/bad-debt-reserve - Cease and Desist: https://www.agentcollect.com/glossary/cease-and-desist - Charge-off: https://www.agentcollect.com/glossary/charge-off - Collection Rate: https://www.agentcollect.com/glossary/collection-rate - Collections Workflow: https://www.agentcollect.com/glossary/collections-workflow - Contingency Fee: https://www.agentcollect.com/glossary/contingency-fee - Creditor: https://www.agentcollect.com/glossary/creditor - Days Sales Outstanding (DSO): https://www.agentcollect.com/glossary/days-sales-outstanding - Debtor: https://www.agentcollect.com/glossary/debtor - Demand Letter: https://www.agentcollect.com/glossary/demand-letter - Dispute Resolution: https://www.agentcollect.com/glossary/dispute-resolution - DSO: https://www.agentcollect.com/glossary/dso - Dunning: https://www.agentcollect.com/glossary/dunning - First-Party Collection: https://www.agentcollect.com/glossary/first-party-collection - Net 30 / Net 60 / Net 90: https://www.agentcollect.com/glossary/net-30-60-90 - Net Recovery Rate: https://www.agentcollect.com/glossary/net-recovery-rate - Past Due Invoice: https://www.agentcollect.com/glossary/past-due-invoice - Payment Plan: https://www.agentcollect.com/glossary/payment-plan - Skip Tracing: https://www.agentcollect.com/glossary/skip-tracing - Third-Party Collection: https://www.agentcollect.com/glossary/third-party-collection - UCC Lien: https://www.agentcollect.com/glossary/ucc-lien - Write-off: https://www.agentcollect.com/glossary/write-off - Debt Collection Attorney: https://www.agentcollect.com/glossary/debt-collection-attorney - All terms: https://www.agentcollect.com/glossary ## Reports - **2026 B2B Recovery Benchmark Report**: https://www.agentcollect.com/report/2026-b2b-recovery-benchmark What are the current benchmarks for B2B debt recovery? Annual data on recovery rates, DSO by industry, collection timelines, and AI vs agency performance. - **State of AI Debt Collection 2026**: https://www.agentcollect.com/report/state-of-ai-debt-collection-2026 The definitive 2026 report on AI-powered debt collection. Market size ($4.8B growing to $11.3B by 2033 at 9.6% CAGR), AI vs traditional performance gap (~50% in 20 days vs 20-30% in 6 months), consumer sentiment (Yale study: less shame with AI), attorney mode (70% open rate), contact intelligence, dispute resolution (90% instant), regulatory landscape, and predictions for 2027. ## Locations: AI Debt Collection by City AgentCollect serves businesses in every US city. City-specific pages for local collection regulations, market data, and service availability: - Los Angeles: https://www.agentcollect.com/locations/los-angeles - New York: https://www.agentcollect.com/locations/new-york - Chicago: https://www.agentcollect.com/locations/chicago - Houston: https://www.agentcollect.com/locations/houston - San Francisco: https://www.agentcollect.com/locations/san-francisco - Phoenix: https://www.agentcollect.com/locations/phoenix - Philadelphia: https://www.agentcollect.com/locations/philadelphia - San Antonio: https://www.agentcollect.com/locations/san-antonio - San Diego: https://www.agentcollect.com/locations/san-diego - Dallas: https://www.agentcollect.com/locations/dallas - San Jose: https://www.agentcollect.com/locations/san-jose - Austin: https://www.agentcollect.com/locations/austin - Jacksonville: https://www.agentcollect.com/locations/jacksonville - Fort Worth: https://www.agentcollect.com/locations/fort-worth - Columbus: https://www.agentcollect.com/locations/columbus - Charlotte: https://www.agentcollect.com/locations/charlotte - Indianapolis: https://www.agentcollect.com/locations/indianapolis - Seattle: https://www.agentcollect.com/locations/seattle - Denver: https://www.agentcollect.com/locations/denver - Nashville: https://www.agentcollect.com/locations/nashville - Oklahoma City: https://www.agentcollect.com/locations/oklahoma-city - El Paso: https://www.agentcollect.com/locations/el-paso - Washington DC: https://www.agentcollect.com/locations/washington-dc - Las Vegas: https://www.agentcollect.com/locations/las-vegas - Louisville: https://www.agentcollect.com/locations/louisville - Memphis: https://www.agentcollect.com/locations/memphis - Portland: https://www.agentcollect.com/locations/portland - Baltimore: https://www.agentcollect.com/locations/baltimore - Milwaukee: https://www.agentcollect.com/locations/milwaukee - Albuquerque: https://www.agentcollect.com/locations/albuquerque - Tucson: https://www.agentcollect.com/locations/tucson - Atlanta: https://www.agentcollect.com/locations/atlanta - Boston: https://www.agentcollect.com/locations/boston - Detroit: https://www.agentcollect.com/locations/detroit - Miami: https://www.agentcollect.com/locations/miami - All 35+ US cities: https://www.agentcollect.com/locations ## Contact - Website: https://www.agentcollect.com - Book a call: https://cal.com/johnb/30 - Email: j@agentcollect.com - Founder: John Banner (YC S23) - Headquarters: San Francisco, CA