The client had the world-class legal network but no digital product. We built RecoverIQ — an AI-powered platform that assesses any overdue invoice's recovery probability using 111 indicators, generates a customised success fee in real time, and activates a global collection mandate with a single e-signature. Zero upfront cost. No legal expertise required.
Risk Indicators
Across 7 scoring categories powering every assessment
Questions to Assess
From debtor name to full AI risk report in minutes
Entry Cost
Pure success-fee model — client pays only on recovery
Day Recovery Window
Average out-of-court mandate duration before escalation
Industry
Legaltech · Fintech
International debt recovery & credit risk intelligence
Services
Full Product Build
AI engine · UX/UI design · Platform architecture · Legal integration
Timeline
12 Weeks · 4 Sprints
Infra → AI Core → UI & Reporting → Testing & Delivery
Team
7 Specialists
1 Strategist · 1 AI Engineer · 1 ML Engineer · 2 Backend Devs · 1 Frontend Dev · 1 QA
Technology
React · Python · Node.js
PostgreSQL · AWS · DocuSign · Auth0 · CreditSafe API
SMEs, exporters, and CFOs dealing with overdue international invoices face a silent, expensive problem. Traditional credit scoring tells you if a company is financially healthy — it doesn't tell you whether your specific debt, in your specific jurisdiction, under your specific contract terms, is actually recoverable.
The alternatives were costly and inaccessible. Hiring international law firms required expensive retainers with no outcome guarantee. Debt collection agencies charged upfront fees regardless of success. Most SMEs simply wrote the debt off, absorbing a loss they couldn't afford.
The client had built something rare over 30 years: deep expertise in international debt recovery, a 250+ partner global legal network, and a proven methodology covering 100+ jurisdictions. But their operations were entirely manual. Every assessment required a legal expert's time. Every mandate meant paperwork and physical signatures. The knowledge couldn't scale, couldn't be accessed at 2am before a new export deal, and couldn't serve SMEs who couldn't afford enterprise legal fees.
The core problem: Expert-level credit risk intelligence was locked inside human specialists. It couldn't scale beyond the capacity of the internal legal team, couldn't reach the millions of SMEs who needed it most, and couldn't activate recovery operations without significant manual friction at every step.
A purpose-built system designed around the specific constraint — not a generic tool configured to fit.
The conversational AI guides users through a maximum of 10 targeted questions — debtor identity, VAT number, invoice aging, contract basis, governing law, amount and currency, partial payments, dispute status, relationship history, and additional context. Each question simultaneously triggers background API lookups: CreditSafe financial data, country risk databases, forex conversion, legal framework indices, and CRM history. Users aren't just answering questions — the system is building a 111-indicator scoring profile in real time behind every response.
Behind every assessment is a composite scoring model that no human analyst could replicate at scale. The engine evaluates 111 indicators spanning seven dimensions of recovery risk — Country & Macroeconomic Risk, Legal & Judicial Environment, Company Financial Health, Credit & Contract Quality, Credit Behavior & Dynamics, Reputation/Compliance/ESG, and Relational & Sector Factors — each weighted to produce a composite recovery probability score (0–100) and a credit rating of A through E.
The platform generates a customised success fee percentage in real time — derived from the same 111-indicator model — and presents it to the user before they commit to anything. No hidden costs, no retainers, no fixed entry fee of any kind. Users see exactly what they'll pay (only on recovery), the projected timeline (typically 60–90 days out-of-court), and the recommended strategy. An automated fee concession system proactively offers discounts if recovery exceeds the promised timeline.
Once a user accepts the assessment and pricing, the system generates a legally binding debt collection mandate covering worldwide recovery operations. E-signature via OTP or AES-compliant digital signature (DocuSign/Adobe Sign) constitutes full legal authorization under eIDAS. The moment the user signs, the 250+ global partner network is activated. Every consent event is logged with timestamp, IP, user ID, document version, and signature method — retained for 10 years for legal auditability.
After mandate activation, users land on a dedicated Case Detail Page showing a full visual recovery timeline: Day 1 reminder, Day 7 follow-up, Day 21 negotiation, and escalation milestones. The AI chat is embedded directly in the case view — users can ask about status, understand next steps, and receive alerts without ever needing to contact a human agent. The system handles the complete resolution spectrum across payment received, partial recovery, new proposed timeline, frozen case, and case closed states.
The internal team operates a parallel platform purpose-built for ops management. The Super Admin dashboard surfaces financial overview metrics, a Cases Overview with donut chart breakdown (Recovered / In Recovery / Frozen / Closed), and a prioritised Action Required panel that surfaces only frozen cases needing human intervention. A real-time activity feed tracks every system event — new submissions, status changes, payments, plan upgrades, and new company registrations.
For large companies managing ongoing international receivables, the platform supports bulk CSV upload or API feed of debtor records — handling hundreds of cases simultaneously. The automated triage engine applies country/jurisdiction risk scoring to every record and segments them into tracks: High Recovery (amicable wave), Medium Risk (watch list), and Low/Disputed (manual review). Wave-based collection actions roll out automatically. Analytics dashboards track DSO reduction and country-by-country recovery rates.
No bolt-on integrations. Every tool chosen for the specific constraints of this project.
The client went from zero digital product to a fully operational AI-powered credit risk and debt recovery platform — covering the complete journey from first case submission to global mandate activation to case resolution, at scale, with no upfront cost to end users.
The 30-year legal expertise that previously existed only inside the client's specialists is now codified into a scoring engine that runs 24/7 across 100+ jurisdictions, accessible to any SME with an overdue invoice and an internet connection.
The zero-cost model wasn't just a pricing decision — it's now the foundation of how the client goes to market. Removing the single biggest barrier to adoption (upfront cost) unlocked a segment of businesses that simply had no viable alternative before.
Before
After
“We had spent 30 years building one of the most capable international debt recovery networks in the world — but we could only reach a fraction of the businesses that needed us. The team took everything we knew and turned it into something any SME can use in minutes. The zero-cost model wasn't just a pricing decision — it's now the foundation of how we go to market.”
Co-Founder
RecoverIQ
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