Stop reminding.Start collecting.
Chasing an overdue invoice means weeks of follow-ups with no idea if the money is ever coming. recovry takes it off your plate entirely — our AI recovery agent does the chasing across every channel, gives you live visibility into every case, and only charges when we actually collect.
- Done for you, end to end
- Live visibility, no guesswork
- Only pay when we collect
Recovered this case
S$24,800
The most expensive way to handle an overdue invoice is to keep chasing it yourself
Most Singapore SMEs and finance teams try to recover debts in-house — until the cost adds up. Traditional collectors aren't much better: slow, expensive, and a black box that leaves you anxious and your clients alienated.
Hours every week
Your time, gone
Drafting reminders, making awkward calls, following up again and again — time you should be spending running the business.
30–90+ days
Cash stuck in limbo
Every week an invoice sits unpaid is working capital you can't deploy — and the longer it ages, the harder it gets to recover.
Relationships at risk
Bridges you can't rebuild
Push too hard and you lose the client. Stay too soft and you never get paid. It's a no-win position to be in.
There's a calmer, faster, fully transparent way.
Watch your debt get chased — across every channel
The moment you hand us an invoice, our AI recovery agent goes to work: firmly, professionally, and on the channels Singapore businesses actually respond to. You see every move it makes.
Where Singapore businesses actually reply
Smart sequences that adapt to each response
SMS
Timely nudges with a one-tap payment link
Phone
Human-sounding AI calls, with live de-escalation
Acme Trading Pte Ltd
Invoice #SG-1042 · S$24,800
- Day 1 · EmailOpened
Friendly reminder: Invoice #SG-1042 (S$24,800) is now 47 days overdue.
- Day 3 · WhatsAppRead
Hi Acme team — following up on #SG-1042. Happy to share a payment link or discuss terms.
- Day 6 · SMSClicked
Secure payment link for S$24,800 → pay.recovry.sg/sg-1042
- Day 9 · PhoneCallback set
AI call · 2:34 — debtor asked for time. De-escalated, callback set for Thursday.
- Day 12 · WhatsAppPlan agreed
Debtor: “Can we split this into two payments?” — agreed a 2-instalment plan.
- Day 14 · ResolvedRecovered
Paid in full — S$24,800 recovered and released to you.
Meet the AI recovery agent doing the hard part
Firm enough to get you paid, professional enough to protect your name. It chases, negotiates, and handles disputes around the clock — and de-escalates the moment things get tense.
recovry agent · Acme Trading
WhatsApp Business
WhatsApp · Day 3
Plan agreed
1-minute dispute replies
Auto-handledDebtor claims a missing PO? The agent reads your terms and replies with an accurate, on-policy answer in under a minute.
Live call de-escalation
On the callIf a debtor gets frustrated on a call, the agent detects it instantly, softens the tone, and reschedules — never burns the bridge.
Payment received
RecoveredS$24,800 recovered from Acme Trading Pte Ltd. Our fee deducted, the rest released straight to you.
Three ways to recover a debt. Only one is built for you.
Chasing it yourself eats your time. Traditional collectors are slow, costly, and a black box. recovry is the modern middle path — aligned, transparent, and relationship-safe.
| What matters to you | Chase it yourself | Traditional collector | recovry |
|---|---|---|---|
| No upfront fees or retainer | |||
| You only pay when money is recovered | N/A | ||
| Time to get started | On you | Days–weeks | Minutes |
| Chases on WhatsApp, email, SMS & calls | Limited | ||
| Live, transparent progress | You're it | ||
| Firm, but protects the relationship | Awkward | ||
| Frees up your team's time | |||
| Licensed in Singapore (DCA 2022) | — | Varies |
Recovery in four simple steps
No black box, no chasing for updates. From the first invoice to the moment you're paid, you always know exactly where things stand.
Send us the debt
Share the unpaid invoice and a few details — amount owed and how overdue. It takes a few minutes.
We assess your take-rate
We review how recoverable the debt is and tell you the success fee up front. No surprises, no obligation.
We recover, you watch live
Our AI recovery agent chases the debtor across channels — firmly and professionally — while you track progress in real time.
You get paid
We collect the money, take our agreed fee, and pay the rest to you. If nothing is recovered, you owe nothing.
Built for owners and finance teams alike
Whether it's one invoice keeping you up at night or a stack of overdue accounts, recovry works the way you need it to.
Business owners with an overdue invoice
You did the work. You sent the invoice. Now a client won't pay — and chasing them yourself is costing you time, focus, and sleep.
- Recover one stubborn debt without hiring anyone
- No upfront cost — pay only if we collect
- Stay out of the awkward conversations
Finance & credit-control teams
Your team is buried in accounts receivable. You want a recovery partner who can take overdue accounts off your plate — reliably and on brand.
- Outsource AR and debt recovery end to end
- Live visibility your whole team can see
- Professional handling that protects client relationships
No win, no fee. It's that simple.
We only get paid when you do. After a free recoverability assessment, we agree a success fee — a percentage of what we actually collect. There's no upfront cost and no retainer, so our only job is getting you paid.
We can't promise guaranteed recovery — no honest collector can. What we can promise is a straight answer on what's recoverable before you commit a single dollar.
You pay
Then a simple success fee on what we recover — agreed with you in advance.
- No upfront fee to get started
- Free recoverability assessment
- A success fee only on what we collect
- Your agreed rate, confirmed before we start
- No monthly retainer, ever
Legitimate, licensed, and discreet
You're handing over money that's owed to you — trust is everything. recovry operates to the standards this responsibility demands.
Licensed & legitimate
A registered debt collection business operating in compliance with Singapore's Debt Collection Act 2022.
Strictly confidential
Your matter is handled discreetly. Recovering a debt should never embarrass you or expose your business.
Professional conduct
Firm and persistent, never aggressive. We protect your reputation and your commercial relationships.
B2B recovery specialists
We focus exclusively on commercial debt between businesses — so every case is handled by specialists who understand B2B terms, disputes, and relationships.
recovry.sg is operated by Fingentix Pte Ltd, a licensed debt collection business in Singapore (Licence No. L/DCA/2026/000019), operating in compliance with the Debt Collection Act 2022.
Questions, answered
Everything you need to know before you hand us a debt. Still unsure? Request a free assessment and just ask.
Nothing to start. There's no upfront fee and no retainer. You pay a success fee — a percentage of what we actually recover — and we agree that rate with you before any work begins. If we don't recover anything, you owe nothing.
Commercial (B2B) debt only — unpaid invoices and amounts owed between businesses. We do not collect personal or consumer debt.
Yes. Every matter is handled discreetly and professionally. Recovering a debt should never embarrass you or damage your reputation, so we keep your involvement private and act on your behalf with care.
Yes. recovry.sg is operated by Fingentix Pte Ltd, a licensed debt collection business in Singapore (Licence No. L/DCA/2026/000019), operating in compliance with the Debt Collection Act 2022.
It depends on the debtor, the size of the debt, and how overdue it is. Our AI recovery agent begins outreach quickly across multiple channels, and we'll give you an honest timeline after the free assessment. We never promise guaranteed recovery — but you'll always know where things stand.
We assess every case first. Where a debtor raises a genuine dispute, we handle it professionally and lawfully, and we'll advise you honestly on the best way forward. We pursue legitimate commercial debts firmly, never through unlawful or aggressive tactics.
Get a free recoverability assessment
Tell us about the debt and we'll come back with an honest view of how recoverable it is and the success fee — usually within one business day. No cost, no commitment.
- Free, no obligation
- No upfront fees
- Handled in strict confidence
Prefer to talk first?