Overdue installments, followed up for you.
Collecxo sends payment reminders to your investors from your own WhatsApp number and email, in each investor's language. Replies are read, sorted and logged. Payments go straight to your account.
Marina Heights, Unit 1804 · Investor: R. Sharma
| Installment | Due | Amount (AED) | Status |
|---|---|---|---|
| 3 of 8 | 15 Jul 2026 | 125,000 | Paid |
| 4 of 8 | 15 Sep 2026 | 125,000 | Overdue |
| 5 of 8 | 15 Nov 2026 | 125,000 | Upcoming |
Reminder sent on WhatsApp, 18 Sep · Investor replied: "Transferring on Monday" · Status: Promised, 22 Sep
Chasing payments costs more than time
Most overdue installments are not bad debt. The investor forgot, is travelling, or didn't read a message in a language they don't fully understand. But someone on your team still has to follow up, one by one.
Investors are everywhere.
Different countries, time zones and languages. A message at 10 am in Dubai arrives at 2 am somewhere else.
Follow-up is manual.
Your team copies the same message into WhatsApp again and again, and tracks answers in spreadsheets.
The relationship matters.
Pressure that is too hard loses buyers for your next project. Too soft, and payments slip for months.
How it works
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1
Upload your overdue list.
One Excel file: name, invoice date, due date, amount, description. Download the template
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2
Connect your WhatsApp and email.
Messages go out from your own number and address. Your investors see your name, not ours.
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3
Set your rules.
Contact hours, how often each investor is contacted, and the options an investor can choose when they need time.
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4
Reminders go out.
In each investor's language, at a sensible hour in their time zone. Every reply updates the investor's status.
Know who forgot, who needs time, and who has stopped answering.
Late payments are not all the same. Some investors simply forgot. Some have a real problem and need time. A few stop answering. Each one needs a different next step.
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A heads-up before the due date.
A short message a few days before the installment is due.
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A polite reminder.
With one-tap answers: I have paid, I need more time, talk to someone.
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A simple question.
If there is no answer: "Is something in the way?" Replies are read in the investor's language.
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A plan you approved.
If the investor needs time, they choose from your options, such as a new date or a split installment. Nothing else is promised.
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Your team takes over.
Anyone who still doesn't answer goes to your team with the full history, ready for formal steps if needed.
In Collecxo, each investor has one clear status. You decide where to spend your team's time.
Your name. Their language.
Every message is sent by you, from your number. Collecxo stays in the background.
Also Hindi, Urdu, Chinese, French and more.
Firm, polite and on the record
Right time.
Messages go out only during allowed hours, in the investor's local time. Ramadan hours included.
Right frequency.
You set how often each investor is contacted. The system enforces it.
Stops by itself.
Reminders stop when a payment is confirmed or an amount is disputed.
Reminders, not threats.
Messages remind and inform. Formal notices stay with your legal team.
Every message logged.
Who received what, when, and what they answered. Exportable at any time.
Your data stays yours.
We use your investor data only to send your reminders.
Channels
| WhatsApp, from your business number | Available |
| Email, from your own domain | Available |
| AI voice calls | Coming soon |
Built for real estate. Ready for any overdue invoice.
We started with developers because installments are large and investors are international. The same platform works for schools, clinics, suppliers and any business with overdue invoices.
Try it on one project
Send us the overdue list for one project. We set everything up with you and run the reminders for the first month.
Or write to us: hello@collecxo.com