Ever looked at your 2025 collections numbers and thought: “There must be a smarter way?”
Debt keeps piling up, roll rates are stuck on repeat, and your collectors are burning out chasing the same names.
Operators call me asking why their roll rates refuse to budge even after doubling down on training and scripts.
The answer? You can't fix a leaky boat with more buckets.
It’s time to rethink the engine: AI-assisted collections aren’t just buzz, they’re already stomping old-school approaches, and serious lenders are quietly halving roll rates…without doubling headcount.
Problem: “The same borrowers roll, over and over.”
- Your queue is flooded with non-contacts and late-payers.
- Your top collectors spend 80% of their time on cases that never close cleanly.
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You’re swamped in regulatory risk
- calls per day
- right-party contact rules
- mini-Miranda
- all tracked on sticky notes and hope.
Here’s what’s working RIGHT NOW (I’m seeing it in payday, title and installment shops running lean):
- AI-Directed Queue Shuffling – No more “latest is loudest.” Smart systems score borrowers daily and push the right ones to the top at the right time. Late payers who actually respond at 7:10 p.m.? Your system knows and hits them first (not 9 a.m. robo-calls to voicemail).
- Personalization at Scale – No more stale, reheated scripts. AI-driven SMS, email and voicebots emulate your top collector’s best moves down to the local slang if needed. I’ve watched payment rates jump 20% in weeks just by letting the tech talk like your humans.
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Trigger-Based Compliance – Audit trails, call recordings, consent tracking, and regulatory overlays, all codified and logged. When state examiners show up, you click, download, and say, “Next?”
- First-Contact Focus – Old model: Throw six calls/day at every account. New model: Target the hour they paid last time, nudge with a personalized message, escalate only if needed. Less volume, higher contacts, way more cures.
I’ve watched roll rates drop 30–50% on portfolios that were “hopeless” all because operators stopped fighting last year’s battle.
One Nevada team I advised cut monthly 31+ roll volume in half, simply by letting the system recalibrate who gets called (and when) based on real response data, not collector gut instinct.
Not theory.
If your LMS is just a spreadsheet with prettier colors, it’s time to ask what your tech is really doing for you.
Need the full checklist? My playbook, How to Loan Money to Strangers Without Getting Your Butt Handed to You, details winning AI workflows plus the compliance checks to keep the examiners at bay.
What should you do in January?
- Audit your 30+ queue: Are you still working every account the same? (If yes, you’re feeding your competitors reactivated borrowers; don’t do it.)
- Ask your LMS provider how they’re using AI for routing, scripting, and compliance logs. If the answer is “uh, not really,” it’s time to make noise.
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Check the blog for case studies and field-tested plays—I break down what’s getting paid, and what’s just vendor vaporware.
- Don’t chase “shiny AI” alone. Pair algorithms with your best collector, tune every month, and keep your compliance binder up to date. Regulators can and will ask for proof.
P.S. Run the numbers: If you drop roll rates even 30% this quarter, what does it do for your bottom line?
If you want to skip to the front, grab the manual: How to Loan Money to Strangers Without Getting Your Butt Handed to You. it’s been battle-tested by hundreds of lenders like you.
Or,
book a call for custom advice. we’ll spot your biggest collection leaks fast.
Loan smarter. Cure faster. Let the robots hustle for you (while your compliance dreams come true).
Jer Ayles
How to Loan Money to the Masses
Jer - 702-208-6736 Cell
Jer@theBusinessOfLending.com
https://theBusinessOflending.com
Trihouse Consulting:
Cash advances, installment loans, car title lending, payday lending
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