Is there an AI alternative to using a collections agency?
Yes: AI Collections Agent Instead of a Collections Agency
Collections agencies take 25–50% of what they recover. You lose half your money to commission, wait weeks for results, and your customer relationship gets damaged by aggressive third-party calls.
Cash, Relvexa's AI Collections Agent ($249/month), handles overdue invoices differently. It sends personalized payment reminders, tracks which invoices are overdue, follows up automatically, and gets paid customers to respond—without the predatory agency approach. You keep 100% of what you collect.
How It Works vs. Collections Agencies
- Speed: Cash starts work immediately. Agencies take 2–4 weeks to onboard your accounts.
- Cost: $249/month flat fee vs. 25–50% commission per dollar collected.
- Customer relationships: Friendly reminders preserve goodwill. Agencies burn bridges.
- Visibility: You see every interaction. Agencies hand you a summary at the end.
- Control: You set tone and terms. Agencies use their script.
If you're collecting $1,000+ per month in overdue invoices, Cash pays for itself immediately. A single recovered invoice covers the monthly cost.
Collections agencies make sense if you have $100K+ in bad debt that's already 90+ days past due and you're willing to lose half. For businesses with steady cash flow problems—recurring late payers, customers who need one nudge—an AI agent costs less and works faster.
Cash integrates with your invoice data, pulls overdue accounts automatically, and sends reminders on your schedule. No setup fees. No contracts. Cancel anytime.
Next step: Hire Cash and connect your invoicing system. You'll see overdue invoices start getting replies within days, not weeks.