Debt Collection

Why Dues Go Unpaid (And Stay That Way)

Most systems don’t follow up fast enough, personalise enough, or escalate smartly - here’s what’s missing.

Delayed or Missed Payment Follow-Ups

Spreadsheets and manual reminders are easy to forget; letting small dues snowball. Over time, one missed nudge can turn into multiple missed payments, hurting cash flow.

Generic Messaging With No Context

Every tenant receives the same email regardless of context, causing disengagement and message fatigue. Without personalisation, reminders feel robotic and are often ignored.

Chasing Low-Value Dues Manually

Time and resources are wasted on small payments that could be resolved with automation. Manual chasing leaves teams overworked while higher-value tasks get neglected.

Limited Channel Flexibility in Communication

Your residents may ignore emails but respond instantly to calls yet most teams can’t switch channel strategies on the fly. This creates gaps and fragmentation where payments slip through.

No Real-Time Visibility into Recovery

Teams have no real-time insight into who was messaged, how many times, and where recovery stands. This leads to scattered efforts, duplicated work, and inconsistent follow-ups.

Inconsistent Escalation & Resolution

Without a clear escalation path, overdue cases either stall or bounce between departments. The lack of structured workflows delays resolution and frustrates both staff and tenants.

Introducing WorkFlo: Campaigns That Collect Without Conflict

VerbaFlo’s WorkFlo lets you build intelligent, automated campaigns that recover payments with speed, consistency, and empathy across every channel.

Drag-and-Drop Campaign Builder

Design recovery campaigns in minutes, map out every message, timing, and channel with an intuitive visual flow. Launch with templates, channel logic, and real-time performance tracking for clear results.

Channel-Agnostic Messaging

Send nudges across WhatsApp, email, SMS automatically if a tenant doesn’t respond on one. Seamlessly switch channels without losing context or conversation history. Ensure every message reaches the tenant on the medium they prefer.

Customisable Tone & Content

Use warm, gentle tones for first reminders and firm but respectful follow-ups for older dues. Every message can be tailored by amount due, time overdue, or tenant type.

Real-Time Tracking & Reporting

Track open rates, click-throughs, replies, and payments in a single dashboard. Get full visibility into campaign effectiveness and tenant engagement.

Escalation Rules Built In

Set clear next steps when a payment isn’t made such as human handoff, additional reminders, or holding further communication. It’s all automated.

GDPR-Compliant & Respectful

WorkFlo ensures all communication complies with data regulations, message frequency caps, and opt-out preferences so you can collect responsibly.

VerbaFlo’s Core Capabilities for Scalable Acquisition

These features enable real-time engagement, personalised qualification, and seamless escalation, eliminating gaps in the acquisition journey and maximising conversion from every enquiry.

Multi-Lingual Conversations

VerbaFlo speaks the language your residents know best. With support for multiple languages across chat, voice, WhatsApp, and email, every reminder feels local, human, and easy to act on; no confusion & no missed payments.

Versatile & Context-Aware AI

Debt collection is rarely the only concern. VerbaFlo’s AI understands context, whether it’s a query about rent, renewals, or maintenance; it continues payment follow-ups in parallel.

Smart Routing

Not every overdue case can be solved with reminders. VerbaFlo automatically routes exceptions; such as disputes & repeated delays to the right team member. This ensures escalation happens at the right time.

Automatic Scheduling & Triggers

With API integrations, VerbaFlo listens to your systems in real time. The moment a due date is crossed or a condition is met, it triggers the right workflow; whether that’s a first reminder, a gentle nudge, or an escalation. No manual effort needed.

Seamless CRM Synchronisation

All communication data flows directly into your CRM. Every reminder, escalation, or response is logged, giving your team complete visibility and allowing them to take the next steps without chasing scattered records.

Customisable Use Cases

Every business has its own process. VerbaFlo lets you build debt collection workflows from scratch. From payment schedules to escalation rules, everything can be customised to match your operational needs.

AI-Powered Communication Across Every Channel

Communicate through every channel with instant, intelligent conversations; automated, synced, and always on.

VerbaCall

Handles inbound and outbound calls with precision 24/7 no wait times, no script fatigue, just fluid, AI-led conversations.

VerbaMail

Reads, understands, and replies to emails instantly; personalised responses, automatic follow-ups, zero backlog.

VerbaChat

Engages visitors in real time with tailored recommendations, and multilingual support.

VerbaMessenger

Engages visitors in real time with tailored recommendations, and multilingual support.

Seamlessly Integrate Into Your Ecosystem

Unify your ecosystem with plug-and-play integrations that sync data and keep every workflow running smoothly.

See What Our Users Are Saying

Working with VerbaFlo has been transformative for Downing. Their innovative AI solutions have significantly enhanced our operational efficiency and project management capabilities. The seamless integration of their technology has not only streamlined our processes but also driven substantial automated improvements in our business outcomes. VerbaFlo's proactive approach to addressing our needs have made them an invaluable partner. We look forward to continuing our successful collaboration and achieving even greater milestones together.

Bay Downing

Co-CEO

Downing

The Verbaflo team match our ambition every step of the way. Their problem solving, commitment and market knowledge have combined to deliver a constantly evolving communications solution that is driving our business performance. We’re looking forward to working with Verbaflo in partnership on this journey to transforming the way we interact with customers, finding them the most suitable accommodation option that will help them succeed at university through a frictionless process.

Max Bielby

COO

Vita Group

Working with VerbaFlo has been a game-changer for our business. Their AI-driven insights have transformed how we understand and engage with our global student audience, leading to sharper decision-making and measurable improvements across our marketing and sales strategies. We've seen a clear uplift in conversions, better alignment with student expectations, and improved campaign performance in key international markets. The platform is intuitive, the support team is outstanding, and the value we've gained far exceeds expectations. VerbaFlo is setting a new standard in data-driven growth for our sector.

Umang Gandecha

Executive Director

Londonist

From the very first conversation, VerbaFlo stood out. They really took the time to understand what we needed and never tried to push a one-size-fits-all solution. The sales process was refreshingly straightforward—no hard sell, just a genuine interest in building something that worked for us. Since then, they’ve been incredibly responsive, collaborative, and open to feedback at every stage. At Unilife, we’ve always said we’d only launch AI solutions if they genuinely improve the student experience, and VerbaFlo have helped us do exactly that. The end product strikes the right tone and adds real value—we’re absolutely delighted with it.

Richard Powell

COO

Unilife

Bay Downing

Co-CEO

Downing

Max Bielby

COO

Vita Group

Umang Gandecha

Executive Director

Londonist

Richard Powell

COO

Unilife

Frequently Asked Questions

Key information to help you explore, understand, and implement VerbaFlo.

Can VerbaFlo integrate with our existing customised workflows?

Yes. VerbaFlo is designed to adapt to your existing workflows. Our system is API-first and modular, allowing seamless integration with your unique processes, tools, and data flows without requiring major operational changes. Plus, our in-house team of top-tier AI engineers can customise and implement specific workflows tailored to your business needs.

What is the typical deployment timeline for VerbaFlo?

Deployment typically takes 4-6 weeks, depending on your current system architecture and integration scope. Our onboarding team works closely with your technology and operations teams to ensure a smooth and efficient rollout.

Can the AI be aligned with our brand’s tone of voice and communication guidelines?

Yes. VerbaFlo’s AI is fully customisable to reflect your brand’s tone, voice, and communication style. Whether you want it to sound professional, warm, witty, or even switch between tones; we make it possible. You’ll have access to a dedicated AI Playground on the dashboard, easy to use and entirely controlled from your end. This gives you the flexibility to update messaging, define tone, choose the AI’s voice or gender, and fine-tune responses as your brand evolves. Every conversation stays consistent, intentional, and on-brand; at scale.

How is the AI trained and updated on an ongoing basis?

VerbaFlo’s AI is continuously improved through supervised learning and real-time feedback loops. Your team can flag conversations, update responses, or request tone adjustments all of which are reviewed and fine-tuned by our AI trainers to keep the system aligned with your evolving needs.

Can VerbaFlo qualify leads automatically?

Yes. VerbaFlo automatically qualifies leads in real time during conversations. It captures key details like location, move-in date, room type, and urgency, then uses AI-based logic to score and categorise leads based on their intent. This helps your team focus on high-priority enquiries while the rest are routed through smart nurturing flows.

What kind of lead details can VerbaFlo capture?

VerbaFlo captures all the essential lead details directly through conversations. This includes location preference, move-in date, budget, room type, university details, nationality, and even intent signals like urgency or interest level. Everything is synced to your dashboard in real time for easy tracking and follow-up.