Your clients pay late because no one is chasing them

Some invoices are too small to send to collections, and there are too many to chase one by one. So they sit, and some get written off.

Sunbay chases every one of them for you, recovers the money, and does it without wrecking your client relationships.

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Trusted by finance and operations leaders

Like renting a whole collections department

Except you do not have to build it. You get soft collections at the highest level, the full hard collections and the people who run it.

Proactive soft collections

We chase overdue invoice for you across email, SMS and AI voice calls, on a cadence that doesn't quit until you get paid.

Hard collections & legal backing

Formal demands, interest calculation, and legal escalation run by our experts. No hunting for lawyers and no surrendering commissions to debt agencies.

Dedicated collections partner

You are paired with a specific specialist who acts as an extension of your team. They learn your business, understand your clients' quirks, and apply deep collections expertise to recover funds.

You get

A team, a system and a hard collections expert

You pay

Roughly what a junior finance hire costs

Automation alone is not enough.
Neither is hard collections

It takes three things at once:

A premium software that never lets go
Knowledge and collections expertise
People who push once politeness runs out

Soft & hard in one system with an expert

We design and run both tracks.

The soft one holds the due date, the hard one steps in when someone needs pushing and underneath sits our person,

There is one model that works

	Reminder tool	Collections agency	A collections hire	Sunbay
When it starts	After the due date	Once the case is old	When they have time	Before the due date
Channels	Email	Letters and phone	Email and phone	Email, text, phone
Voice calls	No	Yes, a person	Yes, a person	Yes, an AI bot and an expert
Who decides to escalate	You	They do	That person	The system, thresholds set by an expert
Who designs the process	You do	They do, their way	That person, as best they can	Together, on proven practice
Hard collections	No	Yes	Rarely	Yes, our experts
What happens to the relationship	Neutral	Usually burned	Depends on the person	Protected from the start
Cost model	Subscription	15-30% commission	Salary and contributions	Flat fee, about a junior

How we run it, step by step

You do not get a login and good luck. We take your collections on and run them, from setup through to the difficult cases.

We map your clients and set the rules

We go through your terms, your industry and what is breaking today.

We build it into the system

Both tracks, escalation thresholds, channels, accounting, bank and CRM. That part is on us.

We run it and improve it

The daily work is ours. Each month we show what worked and we tune it together.

An outsourced collections department at the price of a junior

Soft collections

Sequences that run.

Reminders before the due date and just after
Email, text, AI voice calls
One tone for regulars, another for repeat offenders
Replies from a human, not an autoresponder

Hard collections

When the gentle route ends.

A formal demand with statutory interest
Escalation run by our own people
Legal steps when nothing else works
The case stays with us, not an agency

An expert over all of it

Someone actually steering.

Designs the path together with you
Decides when a case turns firm
Each month looks at what brings payments in
Is on the phone when something happens

“

I 100% recommend Sunbay. We no longer have invoices sitting 90+ days overdue, and our payment time dropped from 26 to 14 days, all while the business kept scaling.

Bart Czerkies

Co-founder, Tequipy

26 to 14 days

Time to payment at Tequipy, while the business kept scaling

Let us make your collections

AI Collections Outsourcing. Fully covered by Sunbay