We recover loans that were never paid back.

AI that chases unpaid loans for lenders and for businesses that lent money, with a law firm behind it. It emails, texts and calls borrowers in their own language, agrees repayment plans within your limits, and checks every repayment on the day it is due.

10% + VAT of what we collect. No sign-up or monthly fee.

Upload your unpaid invoices, with any signed agreement or terms and conditions behind them.

This page is about loans. We collect for any business, in any industry, including loans: if you can prove the debt, the debtor has not disputed it and it is R500 or more, we can collect it. See everything we collect

Want to see it working first? Book a demo

Built for anyone owed a loan

Who owes you

Borrowers who missed repayments or stopped paying: business loans, loans to staff, customers or suppliers, and other money lent under a written agreement.

What to upload

A spreadsheet of who owes what and when it was due, and the signed loan agreements. Repayment statements help too.

Why it gets left

A loan has nothing to switch off and nothing to take back. Once a borrower stops answering, all that is left is to keep asking, and nobody has the time.

How loan recovery works

UploadA spreadsheet of who owes what and when it was due, and the signed loan agreements. Repayment statements help too. Messy is fine.
SortAI turns the pile into tidy accounts, each document matched to the right one. We only ask you when something is missing.
ContactBorrowers hear from us by email, SMS and phone, in their own language, at the time they are most likely to pay. Every reply is answered in minutes.
Get paidPayment plans and settlements are agreed within your limits. Anything outside them comes to you. You see every step as it happens.

Your unpaid invoices and anything that proves them: signed agreements, terms and conditions, statements, orders, delivery notes, emails. Messy is fine.

What it looks like

An example with made-up names and amounts.

A former employee still owes R18,000 on a staff loan. They reply to the first SMS and offer R1,500 a month. That is inside your limits, so the plan is agreed and each repayment is checked on the day it is due.

Two ways to collect. Two plain prices.

The same prices for every industry. Let our law firm collect for a success fee, or have us chase in your own business’s name for a flat monthly fee, and borrowers pay you directly.

Our law firm collects

10% + VATof the money we collect

You pay only on money we collect. From 500 accounts, it drops to 5% + VAT.

Accounts you send us50

1500: fee drops to 5%1,000+

Your debtor pays: R10,000
Our fee, with VAT: R1,150
You get: R8,850

Sent in the name of: Our law firm
Your customers pay into: Our trust account
Each payment checked against the bank: Yes
Fee on a part payment: Only on what is paid
Smallest account: R500
Sign-up or monthly fee: None

Taylor Torrington Inc, a South African law firm, contacts your debtors in the firm's name. They pay into our trust account, and we pay you.

Start debtor handover

Questions lenders ask

Do I need the signed loan agreement?

Upload it if you have it: it proves the loan. List each loan in your spreadsheet and upload the agreements with it. They are matched by the borrower’s name, and if one is missing you are asked for it on the “Start collecting” page.

Whose name do my debtors see?

When our law firm collects, every email, SMS and call, and the letter of demand, goes out in the name of Taylor Torrington Inc, acting for your business. When you collect in your own name, emails, SMS and calls go out in your business's name, and the law firm is not mentioned. Thwipe AI is the name on the messages we send to you. Every message and call to a debtor says that it is automated.

What does it cost when your law firm collects?

10% + VAT of the money we collect, or 5% + VAT if you send us 500 accounts or more. No sign-up fee and no monthly fee. Pricing in full

What does it cost to collect in my own name?

A monthly fee plus VAT, paid by card through PayFast: R650 for 10, R1,450 for 25, R3,900 for 100 or R8,500 for 400 accounts at a time. We take nothing from what you collect. You can change or cancel the plan at any time. How chasing in your own name works

More of what we collect

See all 58 industries

These are examples. Thwipe AI collects unpaid invoices, loans, rent, fees and contracts for any business that can prove what it is owed.

See what we can collect before you commit.

Upload your spreadsheet or invoices. We sort them and show you which accounts are ready. Nothing goes to a debtor until you have checked the accounts and approved them.