Free: see which past customers want another loan. Then you pay only per booked meeting or reactivated customer. Never for calls or minutes. Show me who's ready →
See who's ready
For consumer lenders with branches

Paid-off borrowers, back for their next loan.

The easiest next loan is often a borrower who already paid you back.

Get my 100 free calls $0 until it works
Branch staff on the phone with customers
📋Paid-off borrowers100
📞We callEN · ES
✅Ready ones✓ ✓ ✓
🏦To the branchLive now
Your Booked WeekFirst 100 calls on us
100📞Free callsPaid-off borrowers who want another loan, passed live to the branch
$0🛡️Until it worksYou pay only per live transfer. Nobody transferred, you pay $0.
7⏱️DaysThe first 100 calls, done in 7 days
1📋List from youYou send one branch's list. We do the rest.
  1. Day 1You send your paid-off borrowers
  2. Day 2You hear the call and approve it
  3. Days 3 to 7We call 100 of them
  4. Day 7You get who is ready, and the ones already passed live to the branch
  5. ThenKeep calling the rest? Only then you pay, per live transfer.

It's an AI, not a person. But it calls every single one the same day, in English or Spanish, and only passes you the ones who want to talk.

🎁 Bonus: your list report. Who answered, who wants it, and why the rest said no.

November is the busiest lending month of the year. Your staff will be at the counter, not on the phone.

We don't replace people. We give you your life back.

Whoever builds a business deserves to live it, not just run it. The copilot works while you live, flags only what matters, and always has a human at the wheel.

43,000past customers on the list
13,159calls in the first 14 days
224live transfers to branches, and counting
10 → 28branches, pilot to today
For one lender: 13,159 calls in 14 days, over 100 customers passed live to the branch in the pilot, 224 so far, and it grew from 10 to 28 branches.
The real problem

You don't have a lead problem. You have a calling problem.

You haveThousands of customers who paid off a loan and trusted you once, and new applications every week, many after the branch closes.

ButYour branch staff are handling walk-ins, payments and collections. The call list is the thing that waits.

SoPaid-off borrowers take their next loan somewhere else, and new applicants go with whoever called first.

3 mistakes that leave your best past customers sitting in the system

  1. Leaving the paid-off list to a branch that's busy with late payments all morning.
  2. Calling an unfinished application once, then waiting for paperwork that never comes.
  3. Texting "Get $1,000 today" and getting your phone lines blocked.

You pay only per live transfer. Nobody transferred, you pay $0.

Get my 100 free calls
Two minutes, your numbers

The 2-minute check that shows how many next loans are sitting in your paid-off list.

Four taps and two numbers. You'll see what is waiting in your list of customers who paid off a loan, and what walks away every month nobody calls.

What happened at one lender

43,000 customers. Nobody calling them.

A consumer lender runs branches across Georgia. It had 43,000 past customers, people who had already borrowed once, and an offer ready for them: a pre-approved loan of up to $1,000.

The list was never the problem. Mail was slow and expensive, and no branch was ever going to dial 43,000 numbers.

So we ran a pilot. In the first 14 days, the AI placed 13,159 calls and handed about 100 interested borrowers, live, to their own branch. Nobody at the branch dialed a number.

From idle list to live transfers

  • 43,000 past customersBorrowed once. Sitting in the database, going cold.
  • A 14-day pilot, 10 branches13,159 calls. About 100 live transfers.
  • About 8 per 1,000 callsLive transfers for every thousand calls placed.
  • 28 branches today224 live transfers and counting.
How it works

Picture every branch phone ringing only when there's an interested borrower on the line.

We deploy an AI voice agent trained on your loan products and plug it into your customer list. It does the dialing. Your branch does the lending.

1First

It calls every customer.

All of them, not a sample. Only while the branch is open, from that branch's local number.

2Then

It finds the interested ones.

It explains the offer, answers questions, and asks the same qualifying question the same way on every call.

3Finally

It hands them to their branch, live.

While the borrower is still holding the phone, to their own local branch. The call logs itself.

The part nobody wants to do. We do it.

AI that can make a phone call is easy to buy now. Making it work inside a branch network is the hard part, and that's the work we take off your plate.

A clean listPhone-verified before it's dialed. No dead numbers.
A local number per branchCaller ID and carrier registration, set up for every branch.
Calls at the right hourOnly while the branch is open and someone can pick up.
Their own branchEach interested borrower goes to their local branch, not a shared queue.
No-answers, called againA number that didn't pick up isn't a number that's done.
Your CRM, same dayEvery outcome written down, plus a board by branch.
The proof

Not a projection. A pilot that's still running.

Real numbers from a consumer lender's branches in Georgia, calling borrowers they already had.

~8live transfers per 1,000 calls

In the pilot, about 8 interested borrowers were transferred live for every 1,000 calls placed. That's the only number you can hold up against your own list. It tells you what happened at that lender, not a promise of what happens for you. Which is exactly why you start with one branch.

You pay only per live transfer. Nobody transferred, you pay $0.

Get my 100 free calls

You pay only per live transfer. Nobody transferred, you pay $0.

Get my 100 free calls
Which borrowers want a loan, in 7 days

100 calls that show you which past customers want another loan, in 7 days.

Let us call your paid-off list before November. Free to start, and you only pay when it works. A lender with 28 branches gets about 8 live transfers for every 1,000 past customers called.

What you getOne branch's first 100 past customers, called.

The interested ones transferred live to the branch. The rest sorted: call back, not now, do not call.

How fast7 days.

From the day you send the list to the first live transfers.

What you doSend one branch's list. Approve the script.

We set up the local number, the agent and the CRM. You hear it before any borrower does.

If it doesn't workYou pay $0.

No install fee, no monthly fee, nothing per call. If nobody is transferred, you owe nothing.

  • Your list, cleaned and phone-verifiedNo dead numbers get dialed.
  • Your lender's name, your script, your approvalThe agent calls you first. No borrower hears it until you say yes.
  • Each branch's local number and caller IDBorrowers pick up the branch they know.
  • Only your past customers, only while the branch is openAnyone who says stop is recorded and never called again.
  • Interested borrowers transferred live to their own branchWhile they're still on the line.
  • Every outcome in your CRM, the same dayPlus a board by branch.
  • Included: your List ReportHow many picked up, how many are interested and why the rest said no. Counted, not guessed.
  1. Send us your list. We set up the agent with your local number and your script.
  2. Within 7 days it calls your first 100. Interested people are transferred live to your team.
  3. You see every result. If you like it, we keep going with the rest of the list, and you pay only per booked meeting or reactivated customer.

The lender in our case study started with a pilot too. Today it runs across 28 branches.

How you pay
$0 for the first 100 calls.

Then you pay per result: a booked meeting or a reactivated customer. No results, nothing to pay.

No install feeNo monthly feeNothing per call or per minute
Show me who's ready

We only set up companies a month.

Somebody running these systems is already calling the same people. Pilots start in the order the lists arrive.

The amount per result is quoted on the call. You'll talk to the same agent your borrowers would.

 How AI calling is usually soldPTS AI
Setup feePaid up front, before a single callNone
Monthly feeEvery month, whether it works or notNone
You're billed forSeats, minutes, calls placedBooked meetings and reactivated customers
You payBefore you see a resultAfter you get one
If nothing happensYou've already paidYou pay nothing

We take the risk that used to be yours. That's the whole difference, and it's the reason we're careful about who we start with.

Built for

  • Consumer installment lenders with physical branches
  • A list of past customers you're not calling today
  • Applications arriving faster than branches can call back
  • Operations leaders who want to see it work before scaling it

Not built for

  • Banks and credit unions
  • Commercial or SBA lending
  • Online-only lenders with no branches
  • Collections

If that's you, we're probably not the right fit, and we'd rather say so now.

Questions lenders ask

Before you decide.

How much do you charge?

There's no install fee and nothing up front. PTS AI only charges for results: a booked meeting or a reactivated customer. The amount per result is quoted on the call. How pay-per-result works.

Will it sound like a robot to my borrowers?

Leave your number below and judge for yourself. The same agent your borrowers would talk to calls you, so you hear exactly what they would hear.

Does it replace my loan officers?

No. It does the dialing. Your people have the loan conversation. The branch only picks up when there's already an interested customer on the line.

How does it handle calling hours and caller ID?

Calls go out only while the branch is open, from a local number with the branch's caller ID, and we handle carrier registration. Consent and state rules are your compliance team's call. We'll walk them through exactly how it works. Here's a plain-English checklist to start that conversation.

Do we have to change our CRM?

No. Outcomes are written to the CRM you already run, the same day. Whether it's Zoho, HubSpot or GoHighLevel changes the field names, not the system.

What if it doesn't work for us?

You start with one branch and pay nothing up front. PTS AI only charges for results, so if there are no booked meetings and no reactivated customers, there's nothing to pay.

Optional add-on

Want new borrowers too? We bring them.

Start with your list. The borrowers it brings back can pay for this. When you want more, we run ads to people near your branches looking for a loan, and the AI calls every new lead within 5 minutes and passes the ready ones live to the branch.

📣Ads near your branchesMeta · Google
🤖AI calls in 5 minEN · ES
✅Qualified✓ ✓ ✓
🏦To the branchLive now
Premium · done for you

We do it all for you

US$2,000 a month + your ad budget (we suggest US$1,500, paid to Meta or Google from your own account).

  • Ads, landing page and AI calls, set up for you
  • Every new lead called in under 5 minutes
  • Month 1 sets what one live transfer costs you
  • Your number in your report every Monday
  • We scale only what works
Billed at the start of each month. Starts once your list is running.
No budget yet?

We teach you how

On your call we show you how to launch your first ads yourself, step by step. When you are ready, we take it from there.

  • What to post and where
  • How much to start with
  • How to connect it to your calls

Either way, we are here to help you grow. Ask for it on your call.

Start here

Can we test 100 of one branch's records first?

Ask to see who on your list is ready, or have our AI call you first. Within minutes, the same AI your borrowers would talk to calls you, and on that call it books a time with our team.

Why this can't wait

Your past customers are on other lenders' radar.

Lenders can ask a credit bureau for a list of people whose credit reports meet their criteria, then send them offers. The FTC explains how prescreened offers work. A borrower who just paid you off can end up on someone else's list.

Every month your list sits, it gets older. The lender who calls first gets the conversation.

Somebody running these systems is already calling the same people. Pilots start in the order the lists arrive.

✓Whatever happens, after the first 100 calls you'll know how many of your past customers wanted to talk, counted by branch.
It worksA lender with branches in Georgia: 13,159 calls in 14 days and about 100 interested borrowers transferred live. It now runs in 28 branches.
You talk to the founderYour first call is with Mauricio Esparza, who runs this for that lender. No pitch deck: your list on the screen.
We do the workDedicated engineers set up your list, each branch's number, your script and your CRM. You approve it and watch the results.

See who's ready on your list

Talk to our team

Leave your details and we'll get your list. The AI also calls you within minutes, so you hear exactly what your borrowers would hear.

Leave your details. The AI calls you within minutes and books a time with us.

✓

Keep your phone close.

The AI is about to call the number you left. Pick up: you'll hear exactly what your borrowers would hear.

Someone is going to call your past customers. It should be the lender they already trust.