Loan Repayment & Collections Solution That Works for You and Your Community.
Unlock a better way to collect with Eltropy Collections 2.0 – A people-first debt repayment and collections stack that empowers credit unions and community banks to collect more with less friction.
Measurable impact
Trust the ROI
Eltropy transforms debt repayment and collections into a proactive, non-intrusive, and empathetic process via a unified conversations platform for credit unions and community banks.
Do More With Less
Eltropy Collections 2.0 Suite
Empower your collections team with empathetic outreach, self-serve flexible payments, automated AI workflows,
and analytics that refine your collections strategy for better collection outcomes.
Automate
Smart Workflows & Outreach
Strategic collections outreach delivered via text and email sequences at the right day & time.
Engage
Borrower-Focused Messaging
Make borrowers feel supported with empathetic, personalized, and people-first communication.
Collect
Flexible, Secure & Self-Serve
Collect using fast, secure, and easy payment options via a custom-branded payment portal.
Report
Real-Time Dashboards
Make better decisions leveraging detailed insights into borrower activity & engagement.
Eltropy AI
Safe, Powerful & CFI-Focused
Do more with less – AI-powered automation, engagement, insights, and assistance.
Ecosystem
Out-of-the-box Integrations
Deliver better outcomes with minimal disruption, supported by 35+ powerful integrations.
Collection 2.0
A Better Way To Collect!
Automate
Strategic sequence of Texts & Emails (reminders, follow-ups, or alerts) triggered by pre-defined rules and actions – designed to maximize payment rates & enhance the overall experience for your members and customers.
Maintain Consistent & Balanced Outreach
- Deliver consistent and balanced collections communication over emails and texts to make member/customer feel valued and supported during the challenging times in a non-intrusive yet empathetic manner.
Improve Response Rates & Engagement
- Automate the campaign deployment schedule for the best time and day - based on AI and ML insights (past member/customer behaviour, trends, and more). Meet members and customers where they are, at their schedules.
Engage
Empathetic, non-intrusive, personalized, and people-first collection communications outreach, that feels like a natural extension of your brand experience – enhances engagement and builds trust.
Ensure People-First Collections Experience
- Provide borrowers a non-intrusive, convenient, fast, and secure way to connect with agents in real-time over 1:1 Text or Email. If needed agent can switch from a Text session to a Voice call with just one-click using Text to Talk (A no-dial option that reduces call charges).
Personalize Engagement at Scale
- Use multi-language, pre-defined, and highly customizable Text and Email templates [1:1 and 1: Many - Text & Email Templates] to personalize every communication and maintain consistency across the organization. Also branded with your brand colors and logos.
Real Stories, Real Success
“Within three months of implementing Eltropy, we saw a huge drop in delinquencies. When I saw the numbers, I almost couldn’t believe it. It was mind-blowing – We knew we made the right choice.“
Katie Bendyk
Director of eServices & Payment Solutions
“The moment we sent out the first campaign, we started taking payments right away. It was just amazing. The receptivity from the member base was automatic. It’s not embarrassing, members just click here, they execute the transaction, and it’s done.”
Anthony Mero
Chief Executive Officer
“With Eltropy texting, we’re collecting way more than ever before in our history – collecting $48.3 million and recovering $9.9 million in principal from charged-off loans, and we continue to see these positive results year after year.”
Lisa Weinstein
VP of Member Relations
“Some collectors don’t like change. But as soon as they started using it, they realized how helpful Texting can be. It’s an easier way to communicate. And the collectors are happy that they can actually make contact with people.”
Leticia Amado
Collections Manager
“Our members who would never pick up our collection’s calls opened up their hearts on Text. I continue to be blown away with how effective Text Messaging is for loss mitigation.”
Shawn Spratte
VP of Collections
Collect
Branded payment portals that guide borrowers using a clear, focused process to resolve their due balances with ease. Let borrowers pay anytime, anywhere with self-serve & flexible payment options.
Remove Payment Friction
- Provide easy, secure, and convenient payment methods to maximize payment rates. Embed secure payment links directly in Text and Email which borrowers can use to pay instantly from the browser – no unnecessary logins or redirects!
Provide Payment Flexibility
- Empower members and customers facing financial difficulties to pay on their own terms with empathetic payment options such as full and partial instalment plans, and flexible payment options.
Resolve Payment Issues - Fast!
- Resolve payment issues instantly via AI-powered Agents or let borrowers schedule an appointment at their convenience - directly within the payment portal.
Report
Data-driven insights on campaigns, member/customer behavior, payment activity, and more, in a granular dashboard or reports – that helps provide full visibility into borrower and agent interactions to improve future outcomes.
Improve Collections Efficacy & Efficiency
- Leverage strategic insights into payment activity, engagement, trends, and more to optimize future loan repayment and collection campaign outcomes.
Refine Loan Repayment & Collections Strategy
- Streamline collection efforts with performance analytics on messaging templates, trend identification, and refining tactics for faster recoveries.
Simplify Loan Repayment & Collections Tracking
- Leverage embedded audit trails and proof reports to ensure transparency, accountability, and improved compliance.
The Eltropy Collections 2.0 Effect
240
Credit Unions and Community Banks
$59M
Dollars collected last year
+15M
Reminders sent (text & emails) last year
35+ Integrations
Supported By An Integrated Ecosystem
Eltropy Collections 2.0 seamlessly integrates with your existing and future systems—Collections, Contact Center, Core, CRM, and more—to drive better loan repayment and collection outcomes with minimal disruption.
Quickly and securely connect your workflows with 35+ turnkey integrations for Collections, Core, CRM, LOS, AOS, Marketing, Contact Center, and more.
Artificial Intelligence
Powered By Eltropy Safe AI
Eltropy Collections 2.0 is powered by Safe AI which delivers sharp collection insights, smart automation, personalized engagement, and AI-driven assistance for maximum efficiency and results.
AI Contact Preference
“Show them you know them”
Securely analyze member and customer engagement to identify the best time, channel, and language for communication, keeping collections officers informed and enhancing personalized interactions.
Automated Intelligent Reminders
Sends personalized automatic text reminders, optimizing message timing based on member/customer preferences.
#Enhanced Engagement #Increased click-through rates for higher efficiency
Collection Insights
“Data Rules!!”
Deep insights into collections campaigns.
Comprehensive dashboards with campaign performance analysis that allow collections teams to make data-driven decisions for improved outcomes.
Advanced Collection Intelligence
Rich insights into delinquent members and customers inclusive of underlying reasons.
Enables collectors to approach members and customer with empathy, making each interaction more effective & compassionate.
Assure Quality with AI Scoring
The system automatically scores each call by meticulously analyzing it – to identify reasons for delinquency and ensure adherence to quality standards.
AI Assistant for Collectors
Provides collectors with instant access to policies and procedures [Powered by advanced language models]
#Reduced Average Handle Time (AHT) #Increased First Contact Resolution (FCR) #Improved overall efficiency
Get Started
Get The Winning Workflow
Empower your collections team with empathetic outreach, self-serve flexible payments, automated AI workflows,
and analytics that refine your collections strategy for better collection outcomes.
