01
Segmented receivables
by aging, balance, status, and priority
Debt collection for businesses
Business debt collection with specialized management
We help companies collect receivables and recover overdue accounts through an organized, multichannel, and traceable collection operation built on the data and policies they already manage.
The scope covers preventive, administrative, and pre-legal out-of-court collection. Certeza does not file lawsuits, seek seizures, or provide legal representation.
- before the scope is defined
- Assessment
- coordinated channels
- 4+
- with visible boundaries
- Out of court
Certeza key points
02
Approved rules
for channels, frequency, messages, and exceptions
03
Arrangements and payments
tracked by obligation
04
Traceability
for every contact, reply, and outcome
Specialized management
A connected collection operation from beginning to end
Certeza combines technology and operational support to run authorized follow-up without replacing the company's ERP, CRM, accounting system, or responsible team.
01
01
Receivables assessment
We review aging, balances, contact quality, sources, recent payments, arrangements, disputes, and exclusions before defining a pilot.
02
02
Segmentation and prioritization
We order obligations by aging, value, status, contactability, and approved rules so the operation focuses on the appropriate accounts.
03
03
Coordinated multichannel contact
We orchestrate WhatsApp, SMS, email, calls, and internal tasks according to the channels available, authorized, and appropriate for each portfolio.
04
04
Arrangements and payment promises
We record replies, promised dates, partial payments, and next steps within the commercial scope and policies defined by the company.
05
05
Reconciliation and exceptions
We relate payments to obligations using references, amounts, dates, and evidence; ambiguous matches, duplicates, and reversals move to review.
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06
Traceability and reporting
We consolidate activity, effective contact, promises, confirmed payments, outstanding balances, and exceptions for operations and management.
How it works
From assessment to reporting, with a rule for every stage
The workflow is configured with a controlled sample and expands after data, messages, exclusions, and measurement criteria have been validated.
- 01
Assess the receivables
Understand volume, aging, balances, sources, contacts, existing arrangements, disputes, and restrictions.
- 02
Segment and prioritize
Separate obligations by stage and define which accounts enter, which are excluded, and the next permitted step.
- 03
Coordinate multichannel contact
Activate messages and tasks with approved schedules, frequency, tone, channels, and review points.
- 04
Manage arrangements
Record replies, commitments, dates, partial payments, and authorized terms without inventing discounts or payment conditions.
- 05
Reconcile payments
Match confirmations to obligations and separate uncertain matches for human review.
- 06
Preserve traceability
Keep the history of contacts, decisions, promises, payments, exceptions, and account owners.
- 07
Report outcomes and next steps
Separate activity, contact, commitments, and recovery, and hand judicial matters to the legal provider appointed by the company.
Information sources
Work with the data your company already manages
A pilot can begin with files or exports. API connections are assessed based on access, security, and source quality; naming a system does not imply a native integration or partnership.
1ERP or accounting system
2CRM or commercial system
3Excel, CSV, or assessed files
4Available and authorized API
Verifiable measurement
Separating activity, contact, and recovery prevents misleading conclusions
Outcomes depend on aging, data quality, contactability, and portfolio rules. The pilot defines the baseline, period, attribution, and exclusions before measurement.
Every obligation retains its context, and every exception retains an owner.
- Activity and effective contact measured separately.
- Promises and partial payments tracked independently.
- Confirmed payments stop the corresponding sequence.
- Judicial matters remain outside Certeza's scope.
Frequently asked questions
What business debt collection with Certeza includes
Specialized, out-of-court management connected to the existing operation.
Business scope
01What type of receivables can Certeza manage?
It can support business receivables with identifiable obligations, verifiable balances, authorized contacts, and defined rules. Feasibility depends on the industry, data quality, aging, and exclusions.
02Which collection stages are included?
The scope can include preventive reminders, administrative overdue follow-up, and pre-legal collection understood as persuasive out-of-court work, as agreed for each operation.
03Does Certeza file lawsuits, seek seizures, or provide legal representation?
No. Certeza is not a law firm, does not file lawsuits, does not seek seizures, and does not represent the company before courts. Matters requiring judicial action are documented and handed to the appointed legal provider.
04Must we replace our ERP, CRM, or accounting system?
No. Certeza works with files, exports, or authorized connections from the current system. An API integration is only offered after access and the source have been validated.
05How are arrangements and payments recorded?
Each reply, commitment, date, partial payment, and confirmation remains associated with the obligation. If a payment cannot be reconciled with sufficient evidence, it remains an exception for review.
06What is required to assess a pilot?
An estimate of the number of obligations, portfolio value and aging, source systems, available channels, current process, and common exceptions. The first conversation does not require debtor personal data.
Business receivables assessment
Define which receivables enter the pilot and how outcomes will be measured
Tell us the approximate size, aging, current process, and main bottleneck. Do not include debtor names, identity numbers, or personal information.