Equabli

Equabli, Inc. is a financial technology company that provides software for delinquency management, debt collection, and recovery across the credit lifecycle. Its platform combines predictive analytics, decision science, and automated, compliance-oriented workflows to help clients prioritize accounts, personalize borrower outreach, and manage third-party recovery partners.

The product suite is organized into three modules. EQ Engine applies AI-driven scoring and predictive analytics to accounts that have already fallen behind, producing payment projections, collection probability by channel, dynamic score updates, account-level portfolio valuation, and recommended next-best actions grouped by net expected value, with explainable scoring intended to support regulatory justification. EQ Engage handles digital outreach and repayment, using behavior-triggered messaging across SMS, email, and voice, adaptive communication journeys, segmentation, campaign testing, configurable offers such as discounts and installment plans, and a white-labeled self-service payment portal with preference capture and compliance rules applied by location and regulation. EQ Collect serves as a management layer for outsourced recovery, centralizing agencies, law firms, and debt sales in one portal with automated account routing, no-code file mapping for vendor onboarding, real-time data streaming and reporting, document and dispute management, immutable placement-to-disposition records, and network-wide contact-frequency and validation monitoring referenced to Reg F.

Earlier company materials described Equabli's offering as a "Recovery as a Service" platform combining technology, analytics, and a curated network of integrated recovery providers, overseen by a team the company credited with more than 150 years of combined domain experience.

Founding story

The founding team drew on prior roles across lending and debt collection, and that experience shaped the EQ Suite's aim of automating, organizing, and expediting workflows at each stage of the recovery lifecycle.

Business model

Equabli licenses its EQ Suite platform modules (EQ Engine, EQ Engage, EQ Collect) to creditors, servicers, and debt buyers, with implementation and launch support; earlier materials positioned the offering as a "Recovery as a Service" platform bundling technology, analytics, and access to an integrated network of recovery providers.

Sold to creditors, servicers, and debt buyers as a platform for scoring, digital engagement, and outsourced-recovery management; specific pricing terms are not disclosed publicly.

Traction

The company reports more than 50 employees across five countries and has completed SOC 2 examinations for all of its products.

Latest developments

Equabli's current positioning centers on AI-driven delinquency and recovery optimization through its three-module suite, with SOC 2 examinations completed for all products.