Automatic debits
When a repayment falls due, Collections debits the borrower's authorised accounts automatically. No chasing, no manual transfers.
Recover more. Chase less.
Collections debits your borrowers' authorised accounts the moment a repayment is due, applies your late-fee rules, and keeps recovering until the balance is cleared, so your team only steps in when it counts.
What Collections does
Every naira owed, recovered automatically
Collections watches authorised accounts, debits when funds are available, and keeps a full record of every attempt.
Balance detection
Collections checks balances across every authorised account and debits where funds are available, splitting a repayment across accounts when needed.
Recovers until cleared
Partial payments count. Collections keeps retrying as new credits land until the full amount, including fees, is recovered.
Late fees by your rules
Set your late-fee rate, grace period and caps once. Collections applies them consistently to every overdue loan.
Manual debits on demand
Your recovery team can trigger a debit at any time, with every attempt logged against the loan and the officer who made it.
Automated recovery calls and SMS
Borrowers get automated calls and SMS before and after due dates, plus a confirmation every time a debit lands.
Automated bureau reporting
Repayment behaviour is reported to the credit bureaus automatically, keeping records accurate and encouraging borrowers to pay on time.
Real-time reconciliation
Every debit is matched to its loan the moment it lands, so balances, fees and arrears are always up to date.
Recovery boards
Accounts that need a human touch are worked Kanban style, with owners, stages and progress in view.
See it in action
From missed payment to money recovered
Watch Collections find funds across a borrower's authorised bank accounts, cards and wallets, debit them, schedule retries for anything that fails, and keep the borrower informed by SMS.
LN-40922Yemi I.₦125,000 repayment
Illustrative demoGTBankSavings ••2210Authorised
OpayWalletAuthorised
VisaDebit ••4821Authorised
KudaCurrent ••7731Authorised
YIOutstanding₦125,000
Recovered₦0
of ₦131,250 due
Recovered in fullTwo debits, no calls needed
SMS Yana Finance · now
Average improvement in recovery rate
More accounts handled per recovery agent