Most AI does everything. proAgent only collects.

You weren't wrong about AI. Generic AI doesn't know collections or loan servicing.
Your team does. We built around that.

Evaluate proAgent

Elena

I can't pay the past-due amount today.

proAgent

Your account qualifies for a payment arrangement.

Elena

What do I need to pay first?

proAgent

$75 by Friday keeps the arrangement active.

State-aware by design: the AI can't act until each step clears

Outbound call connected

AI identity disclosed

Recording disclosure delivered

Named borrower confirmed

Hi, this is Phoebe, an AI assistant with Summit Auto Finance, on a recorded line. May I speak with Elena Martinez?

This is Elena.

Thank you. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Date of birth verified

Right-party contact confirmed

Account and vehicle matched

Payment status loaded

Before I discuss the account, can you verify your date of birth?

July 22, 1985.

Thank you. I’m calling about the $487 payment due June 18 for your 2018 Toyota Camry.

Reason for nonpayment captured

Payment intent identified

Promise-to-pay eligibility checked

Account restrictions reviewed

Are you able to make that payment today?

Not today. I was laid off last month, but I can pay the full amount next Friday.

I’m sorry to hear that. Let me check what actions are available on your account.

Promise-to-pay allowed

Promise date validated

Payment method available

Approved action selected

I can record your commitment for $487 next Friday. Would you like to schedule the payment now?

Yes, use my bank account on file.

I can use the account ending in 4821. I’ll confirm the details before scheduling it.

Amount and date confirmed

ACH authorization captured

Payment scheduled

Confirmation sent

You authorize a one-time ACH payment of $487 next Friday from the account ending in 4821. Is that correct?

Yes.

Your payment is scheduled. I’ve sent a confirmation to the email address on file.

A controlled test of proAgent in early-stage auto collections

Over three months, 6–30 DPD accounts were randomly split 40/60 between proAgent and the lender’s team, under the same eligibility and payment policies.

31%

Lift in payments

Accounts assigned to proAgent delivered a 31% lift in payments compared with the human-only control group.

43%

More accounts per human hour

proAgent handled 40% of the assigned accounts using only 28% of the human time.

30%

Higher right-party contact rate

More inbound callers completed right-party verification and reached an account-level conversation instead of dropping off during verification.

Designed around how auto finance teams actually run

proAgent goes live as part of your operation, tuned to your strategies and accountable to your numbers.

Compliance built into the workflow

Verification, disclosures, and policy checks fire at the right point in the conversation, enforced before the agent can act. Mini-Miranda after right-party contact, not before. FDCPA, TCPA, and state rules hold on every turn.

Tuned to your strategy, accountable to your results

A forward-deployed team configures proAgent to your collection and servicing playbook, then owns the outcome with you. You are not handed a tool and left to make it work.

One memory across every channel

Each borrower's history carries forward, so the next contact picks up where the last one ended, whatever channel it happened on.

Your brand, your borrower experience

Configured to your voice, your disclosures, and the experience standards your borrowers already know, from the first call.

It meets the borrower on the channel they answer

proAgent carries the borrower’s prior channel, promise, hardship context, payment preferences, and account status into the next interaction.

Understands

SMS Wednesday, 24 June

Hi Elena, your $250 payment is due Friday. I can help you take care of it whenever works

2:30pm

Can I split it across two cards?

4:30pm

Absolutely, you can split it into two payments. Want me to set that up?

4:30pm

Remembers

Email Thursday, 25 June

Quick note about Friday, Daniel

Hi Elena,

Your $250 payment is due Friday. I can help you take care of it whenever works.

Reminds

Call Friday, 26 June

See how proAgent fits your operation

proAgent is configured to your exact scripts, account-level policies, servicing strategy, and escalation paths.

Prodigal stays accountable through deployment and optimization for the outcomes your operation measures, not simply whether the agent completes a call.

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Why choose prodigal?

Consumer finance is the only thing we build for

9 years in consumer finance.

Every model, workflow, and integration is shaped by one domain. What you deploy already understands delinquency, borrower behavior, and the rules your operation runs under.

You are not handed a tool and left to make it work.

A forward-deployed team configures proAgent to your collection and servicing playbook, then owns the outcome with you.

PCI DSS compliant. Every workflow logged for audit.

Verification and disclosures are enforced inside every conversation, not bolted on after. FDCPA, TCPA, and state rules hold on every turn.

Investors

Supported by the best

Our Series A Investment in Prodigal: Humanizing the Lending Process and Ecosystem

Y Combinator Backs Debt-Collection Software Maker Prodigal

Our Journey With Prodigal: Conversational AI With a Purpose

Most AI does everything. proAgent only collects.