Every time a borrower pays off, that account has a good chance of coming back. PTS AI's outbound bot — Billy — calls them consistently, on your behalf, under your company's name. Your team focuses on the conversations that matter.
Hear Billy before you book anything. Get a live demo call.
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8-second call
Speed to contact
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Callback booked
Auto-scheduled
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Customer reactivated
Back in conversation
9:41100% ▋
T
Customer list loaded
Maria Garcia · Former borrower
READY
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Calling in 8 seconds…
📞 Try Billy free — no commitment
Free demo call · Billy calls you in under 2 minutes
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Billy is calling you now.
Pick up — this is exactly what your borrowers will hear.
The real problem
The real problem
Every paid-off loan
is a borrower walking toward someone else.
You earned that account. You built that relationship. But if you don't call first — a fintech will.
01
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The portfolio already exists
You didn't buy those names from a vendor. You earned them. They walked into your branch, trusted your terms, and paid you back. They're yours to keep.
02
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Your team is running the floor
Nobody has bandwidth to call hundreds of paid-off accounts on top of active loans, walk-ins, and compliance. The portfolio grows. The calls don't happen.
03
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The branch that calls first wins
Boomerang borrowers go to whoever reaches them first. Most independent lenders never call at all. That's the only gap fintech is actually filling.
What PTS.AI does
It works the portfolio.
Your team gets the conversation.
Billy handles the repetitive outbound calls. Your people handle the decisions — and the relationships.
When the lead is ready
What happens next
Two outcomes. Both put loans on the books.
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Live Transfer
✓
When the borrower wants to talk now
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Your rep enters the call — warm, not cold
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Close while the interest is still there
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Meeting Booked
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When timing matters more than urgency
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Context captured before the conversation starts
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Your rep arrives knowing the account — not guessing
One thing worth saying
One thing worth saying
Billy does not replace your loan officers.
It gives them back capacity.
Billy never calls in sick. He shows up on time, has a pleasant demeanor, and can call 500 of your paid-out customers every week — without adding a single line to payroll.
What you see
Not promises. Loan outcomes.
Every call. Every callback. Every return borrower. Every outcome — tracked in real time. Full transcripts available for every call.
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Live Summary
Today ▾
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Calls Completed
24 ↑
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Interested Borrowers
16 ↑
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Callbacks Booked
11 ↑
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Boomerang Borrowers
8 ↑
Recent activity
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Jorge M.
Live transfer
2m ago
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Ana R.
Callback booked
8m ago
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Carlos V.
Live transfer
14m ago
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David P.
Filtered out
19m ago
What your rep receives
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Conversation qualified — no wasted pickups
Billy finds out who's actually interested before your team ever gets on the line. Good fit, bad timing, not now — all sorted before the handoff.
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Live transfer — rep enters warm
Borrower is ready and on the line. Your rep gets a quick briefing before connecting. No cold intros. They already know the account.
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Callback booked — branch notified
Customer was busy when Billy called — asked to be reached back. Callback is booked and your branch receives the full conversation summary before the call. Your rep already knows the account.
Scroll down to reveal the diagram
Data SourcesThe EngineOutcomes
Not just a dialer.
PTS.AI doesn't just make calls.
Billy qualifies, routes, and closes — using your own borrower history to know exactly who to reach, when, and what to say.
Keep scrolling
Is this for you?
The 250 Borrower Test
Use a real portfolio. See which paid-off accounts are ready to come back.
What's included
Everything to run the test
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Portfolio review
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Billy calling setup
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Borrower qualification logic
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Routing — live transfer or appointment
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End-of-test reporting
What gets measured
Numbers that tell the truth
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Contact rate on paid-off accounts
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Borrowers who expressed interest
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Callbacks booked
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Boomerang borrowers identified
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Whether scaling makes sense for your branch
Not for everyone. That's the point.
Good fit
This is built for you if…
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You have a portfolio of paid-off borrowers sitting inactive
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You want repeat loans from accounts you already own
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Your team has capacity to handle incoming conversations
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You believe in relationships — not just transactions
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You want real data before you commit to anything
Not a fit
We'll pass if…
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You don't have an existing borrower base to call
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Nobody on your team can take a warm handoff
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Your loan terms for returning borrowers aren't clear
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You're looking for new borrowers, not repeat ones
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You want a presentation, not a real test
Coming Soon
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Text outreach — same precision, new opportunity
We're building interactive text as a second touchpoint for borrower reactivation — same qualification logic, same routing, delivered as a text. It's not a blast. It's a targeted, two-way conversation with the right account at the right moment.
To activate text outreach
→Registered business name & EIN
→10DLC brand registration (we guide this)
→Written consent on file for each borrower
→Opt-out policy documented
Beta access
✓Limited cohort — early lenders only
✓Start free, measure results first
✓Coordinated with voice — not duplicate outreach
✓Full compliance setup included
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This is precision technology for a specific niche.
We're testing with a select group of independent lenders — not rolling this out broadly. Beta participants start free and get real results before committing to anything. If the data works, you'll know.
