Fiscor AI

Fiscor is an AI-native collections platform for lenders and finance teams that want to recover outstanding balances without sending every account through a manual queue. It monitors accounts, selects the next compliant action, communicates with customers across voice, email, and messaging, and routes exceptions to human teams with the relevant context.

The platform is built around two specialized AI agents: MARS for overdue borrower recovery and ORCA for receivables operations. Both operate within policy and regulatory guardrails, with decisions logged for review and audit. This gives finance and lending teams a way to automate routine recovery work while keeping human oversight for sensitive or higher-risk situations.

Key Features

MARS Borrower Recovery Agent

MARS handles overdue borrower recovery workflows for lending organizations.

Its work can include:

• Customer outreach
• Payment negotiation
• Escalation
• Policy-aware action selection
• Exception handling

MARS is designed to keep routine recovery activity moving while selecting actions within defined policies and compliance requirements.

ORCA Receivables Agent

ORCA focuses on accounts receivable and finance operations rather than borrower collections.

It supports workflows including:

• Invoice follow-up
• Payment matching
• Reconciliation
• Dispute routing

This makes Fiscor applicable to finance teams that need to improve cash collection and reduce repetitive follow-up work.

Voice, Email & Messaging Outreach

Fiscor can communicate with customers through multiple channels.

Supported outreach includes:

• Voice
• Email
• Messaging

This allows routine collection and receivables activity to continue across the communication channels already used by customers.

Policy & Regulatory Guardrails

Every action taken by the agents is checked against defined policy and regulatory requirements.

The platform is designed so automated actions operate within established boundaries rather than making unrestricted decisions.

This provides a control layer for organizations where collections activity needs to remain compliant and reviewable.

Decision Logging & Auditability

Fiscor logs agent decisions and actions for review and audit.

Teams can maintain visibility into:

• Actions taken
• Decisions made
• Policy checks
• Escalations
• Human overrides

This creates an audit trail around automated collections activity.

Human Exception Handling

Fiscor is designed to automate routine work without eliminating human involvement.

Cases can be handed to experienced team members when they involve:

• Hardship situations
• High-risk decisions
• Disputes
• Other exceptions

When a case is escalated, the relevant context is passed along so human teams do not have to start the investigation from scratch.

Role-Based Access

Control who can interact with collections workflows through role-based access.

Organizations can determine who is able to:

• View information
• Approve actions
• Override decisions

This provides additional governance for teams operating automated financial workflows.

Controlled Data Environment

Customer and account information remains governed within a controlled environment.

This supports organizations that need to maintain oversight of sensitive borrower and financial data while introducing AI into operational workflows.

Existing System Integrations

Fiscor is designed to fit into existing financial operations rather than requiring teams to replace their current stack.

It connects across systems such as:

• CRMs
• Loan management systems
• ERPs
• Communication providers
• Dialers
• Payment rails

This allows lenders and finance teams to incorporate automated collections and receivables workflows into their existing infrastructure.

Built For Lenders & Finance Teams

Fiscor is designed for organizations managing recurring collections, receivables, and payment follow-up at scale.

It is particularly useful for:

• Lenders managing overdue borrower accounts
• Collections teams handling recurring recovery workflows
• Finance teams managing receivables and cash application
• Accounts receivable teams following up on outstanding invoices
• Operations teams looking to reduce repetitive financial workflows
• Organizations with compliance requirements that need controlled AI actions and audit trails

Common Use Cases

• Borrower collections: Automate routine outreach and recovery actions for overdue accounts.
• Payment negotiation: Support policy-aware customer negotiations through the MARS agent.
• Collections escalation: Route sensitive or higher-risk cases to experienced staff.
• Hardship handling: Move hardship situations out of routine automation and into human review.
• Invoice follow-up: Automate recurring receivables reminders and customer outreach.
• Cash application: Match payments and support reconciliation workflows through ORCA.
• Dispute routing: Identify and route receivables disputes to the appropriate team.
• Multi-channel recovery: Communicate through voice, email, and messaging.
• Audit workflows: Maintain logged decisions and actions for review.
• Financial system integration: Connect collections workflows to existing CRMs, ERPs, loan systems, and payment infrastructure.

Why It Matters

Collections and receivables teams often spend significant time on repetitive follow-up, while more sensitive cases require experienced staff and careful decision-making. Sending every account through the same manual queue can make it difficult to scale routine work without increasing operational workload.

Fiscor separates these responsibilities through specialized agents and human exception handling. MARS focuses on overdue borrower recovery, while ORCA handles receivables operations. Routine work can continue automatically, while hardship cases, disputes, high-risk decisions, and other exceptions are routed to people with the context needed to act.

The platform also treats governance as part of the workflow rather than an afterthought. Actions are checked against policy and regulation, decisions are logged, and role-based permissions control who can view, approve, or override automated actions.

For organizations with established financial systems, its integration layer provides another practical advantage. Fiscor can connect with CRMs, loan management systems, ERPs, communication providers, dialers, and payment rails, allowing teams to introduce AI-driven recovery workflows without rebuilding their existing operations.

Automate Collections With Human Oversight

Use AI agents to handle routine borrower recovery and receivables work while keeping sensitive decisions under human control. With MARS and ORCA, policy-aware actions, multi-channel outreach, decision logging, exception routing, and existing-system integrations, Fiscor provides a controlled way to bring AI into collections and finance operations.