EQ Engage
Automated debt collection that borrowers actually respond to
Your borrowers aren't ignoring you. They're ignoring your call center.
Manual outreach is expensive, slow, and easy to screen out.
EQ Engage reaches borrowers through the channels they actually use (SMS, email, self-service portals) with messages timed to behavior, not a schedule.
Built by collections veterans who got tired of watching good accounts go to voicemail.
Illustrative.
Capture preferences, apply your rules, and keep the record ready.
Every message logged, every consent captured, every rule update reflected right away. If anyone asks how an account was worked, the record is already there.
Reach borrowers where they are
Portfolios
Manage rules and offers separately for every client, product, and portfolio, without duplicating setup for each one.
Offers
Present a payment plan, a settlement, or a combination of the two, and let EQ Engine's valuation decide which options actually make sense for that account.
Payment Portal
A branded, self-service page where a borrower can view a balance and complete a payment without needing an agent.
Borrowers
One consolidated view of every borrower's contact history, preferences, and open offers, so no two channels are working from different information.
Segmentation
Build segments on any combination of filters, including Equabli's proprietary value score, so campaigns reach the accounts most likely to respond instead of the whole portfolio at once.
Campaigns
Built-in A/B testing on messaging and offers, so what's working keeps running and what isn't gets replaced.
Intelligent communication paths that adapt to borrower activity
A borrower gets an email offer, doesn't respond, gets an SMS check-in, then visits your portal- each interaction routes them down a different path. Borrowers can also reply directly inside the text message to pick and complete a payment option without leaving the conversation.
Built for how you collect
Creditors
Reach borrowers in your own brand voice, not a third-party collector's.
Debt Buyers
Run in-house outreach on accounts before placing with agency.
Collection Agencies
Fewer calls needed per completion, higher self-service conversion.
Credit Unions
Give members a branded, self-service way to handle a missed payment, no new headcount required.
Auto Lending
Catch a missed auto payment with a digital nudge and a self-service option before it becomes a repossession.
Make it easy for borrowers to pay
Omnichannel outreach and self-service payment, running on your own segments.