AI Back-Office for Repo Companies

The Repo Operating System That Never Sleeps

one platform that handles your front and back office so you can focus on managing recoveries and lowering your cost of operation.

70%
Reduction in admin overhead
3×
Faster RDN case processing
500+
Cases handled per agency/mo
Repo365 platform demo
Products

Everything your repo agency needs

Four AI-powered modules, seamlessly integrated with RDN and your existing workflow.

📁
RepoAIgent

Dedicated VA desk that processes RDN orders, status updates, lender communications, and compliance checks — 24/7.

  • ✓ RDN order management
  • ✓ Lender communication templates
  • ✓ Status update automation
Watch Solution Video
📞
TelephoneAI365

AI voice agent that answers inbound calls, qualifies debtors, logs call outcomes into RDN, and escalates when needed.

  • ✓ 24/7 inbound call handling
  • ✓ Automatic RDN logging
  • ✓ Smart escalation rules
Watch Solution Video
🔍
SkipTrace365

Instant skip trace searches integrated directly into your RDN workflow. Find debtors faster and close more cases.

  • ✓ Multi-source data search
  • ✓ 1-click RDN import
  • ✓ Address & phone verification
Watch Solution Video
💲
FeeManagement365

Upload client rate cards and let AI surface the correct fee codes on every case — eliminating billing errors instantly.

  • ✓ Rate card management
  • ✓ AI fee code lookup
  • ✓ Invoice generation
Watch Solution Video
🖥️
FrontOffice365

Automate your client-facing workflows, case intake, and communications — all in one AI-powered front office

  • ✓ Auto case acceptance
  • ✓ Client communication hub
  • ✓ Compliance risk reduction
Watch Solution Video
RESOURCES

Learn Before You Buy

Watch our webinars and try the platform risk-free before committing.

📊
Repo365 Webinar
PPT Recording · Click to watch
→
📊
DebtorManager365 Webinar
PPT Recording · Click to watch
→
🎯
RepoReceptionist365
Try IT Before You Buy It
→
💬  Let's start a conversation
Simple Onboarding

Up and running in 48 hours

No long implementation projects. We handle setup so you can focus on what matters.

Connect your RDN account

Share your RDN credentials. We configure the integration and import your existing case data.

We configure your VA team

Your dedicated VA desk learns your workflow, lender requirements, and communication preferences.

Go live & watch it work

Within 48 hours, your AI back-office is processing cases, answering calls, and running skip traces.

Transparent Pricing

Plans that scale with your agency

No hidden fees. No long-term contracts. Cancel anytime. Plans are based on the size of your company and your case volume. You only pay for what will save you at least 25% Reduction on your operating costs. To get a custom quotation we will provide you a Proforma ROI based on your actual costs.


Testimonials

Trusted by repo agencies nationwide

"Reduced our inbound call admin by 70%. The VA team knows RDN inside out. It feels like we finally have room to breathe."

ME
Midnight Express Auto Recovery
Virginia · Growth Plan

"SkipTrace365 alone paid for the entire subscription in the first month. We're closing cases we would have written off before."

SR
Summit Recovery Services
Texas · Growth Plan

"FeeManagement365 eliminated billing errors entirely. We recovered $8,000 in the first 60 days from fees we were missing."

LC
Les McCook — Pinnacle Auto Recovery
Georgia · Enterprise Plan

Ready to run a leaner agency?

Join 50+ repo agencies already saving 20+ hours per week with Repo365.ai

30-Minute Live Demo

See Repo365.ai in Action

We'll show you how our AI back-office can cut your admin overhead by 70% — using your own agency's workflow as the example.

Transparent Pricing

Choose your growth engine

Transparent pricing that scales with your agency. No hidden fees. No contracts.

Essential

Ideal for growing agencies (<250 cases/mo)

$799/mo
  • Up to 250 RDN cases/mo · LiveAssist365 (Shared)
  • 500 voice minutes · VirtualReceptionist365
  • 100 skip trace searches · SkipTrace365
  • Business hours support · FeeManagement365 +$299
Most Popular
Growth

Best for active agencies (250–600 cases/mo)

$1,499/mo
  • Up to 600 RDN cases/mo · LiveAssist365 (Shared)
  • 1,500 voice minutes · VirtualReceptionist365
  • 300 skip trace searches · SkipTrace365
  • Extended hours support · FeeManagement365 +$299
Enterprise

For large agencies (600+ cases/mo)

$2,999/mo
  • Up to 1,200 RDN cases/mo · LiveAssist365 (Dedicated VA)
  • 3,000 voice minutes · VirtualReceptionist365
  • 700 skip trace searches · SkipTrace365
  • Priority 24/7 support · FeeManagement365 INCLUDED
💲 Add FeeManagement365 — AI Fee Portal +$299/mo

Upload client rate cards. AI surfaces the correct fee codes instantly. Prevents billing errors on every case.

Your Plan Summary

Growth Plan

What's Included
📁 LiveAssist365600 cases
📞 VirtualReceptionist3651,500 mins
🔍 SkipTrace365300 traces
💲 FeeManagement365+$299 add-on
Estimate Your Usage
Base Plan$1,499
Est. Total
$1,499

Overages billed at month-end. No contracts. 30-day money-back guarantee.

Client Hub

Midnight Express Auto Recovery
Growth Plan · ⚙️ Settings
ME

Good morning, James 👋

Here's your Repo365.ai overview for today.

Cases Processed Today 📁
48
↑ 12%
vs. yesterday
Calls Handled by AI 📞
23
100% AI
zero human escalations
Skip Traces Run 🔍
14
3 hits today
$9.10 used today
Est. Monthly Savings 💰
$4,250
vs. hiring in-house staff

Your Products

Click Launch to open any product in its own workspace.

📁
✓ Active
LiveAssist365

Your dedicated VA desk processes RDN orders, status updates, and lender communications.

412 of 600 cases used this month69%
🌐 opens at liveassist.repo365.ai
📞
✓ Active
VirtualReceptionist365

AI handles 100% of your inbound calls — debtor inquiries, redemption info, bilingual 24/7.

847 of 1,500 voice mins used56%
🌐 opens at virtualreceptionist.repo365.ai
🔍
✓ Active
SkipTrace365

Search debtor phone, address, employment in under 2 minutes. AI-matched results.

187 of 300 skip traces used62%
🌐 opens at skiptrace.repo365.ai
💲
⚡ Setting Up
FeeManagement365

Upload client rate cards and let AI surface the correct fee codes for every case.

⚡ Launching Q2 2026 — You're on the early access list.

Recent Activity

Live updates from your AI workforce.

📞

VirtualReceptionist handled debtor inbound call (Case #8942)

2 mins ago Resolved without human
📁

LiveAssist updated RDN status for Case #8940

14 mins ago Lender notified
🔍

SkipTrace found new employment record for J. Martinez

38 mins ago
📁

LiveAssist accepted 3 new RDN orders

1 hr ago
📞

VirtualReceptionist handled after-hours call

3 hrs ago Spanish language
📊

Your monthly credits reset in 12 days (on June 1)

Current plan: Growth $1,499/mo

VirtualReceptionist365

AI Connected
Assistant: VA-Aria
Calls Today
23
↑ 100% AI handled
Minutes Used
847
of 1,500 / mo
Avg Duration
3:42
min:sec per call
Cost Today
$6.21
~$0.27/min AI rate
Escalation Rate
0%
Zero human handoffs
Live Call in Progress
Caller: (804) 555-7821 · Debtor inquiry re: RDN-88397 · 00:01:23 elapsed
VA-Aria handling
Recent Calls
Updated in real-time
Call ID From / Direction Duration Status Ended Reason Cost Actions
Active AI Assistant
🤖
VA-Aria
Repo365.ai Voice Agent
Active
VoiceAria · Natural
ModelRepo365 AI · v3
LanguageEnglish + Español
Phone+1 (804) 555-0199
Max Duration10 min
AI Event Listeners
Call Started ● Active
Call Ended ● Active
Transcript Ready ● Active
RDN Status Update ● Active
Call Disconnected ● Active
✓ All 5 events connected to Repo365.ai
May 2026 Voice AI Cost
$228.69
847 min × $0.27/min
Included in Growth Plan · $0 overage
Latest Transcript
AI Voice · Real-time transcript
Call va_2gX9kR · (804) 555-1234
Today 09:14 AM · 3:41 duration · Completed
VA-Aria "Thank you for calling Midnight Express Auto Recovery. This is Aria — how can I help you today?"
Caller "I'm calling about my vehicle — the Honda Accord. I need to know how to get it back."
VA-Aria "I can help with that. I've pulled up case RDN-88401. The lender contact is Ally Financial and the redemption amount as of today is $4,847. Would you like the payment instructions?"
Caller "Yes please — and can I make a payment arrangement?"
AI action triggered: RDN-88401 updated → payment_arrangement_requested

SkipTrace365

FCRA Compliant
Balance: 113 traces remaining
Searches Today
14
↑ 8%
vs. yesterday
Success Rate
94.3%
↑ 2.1% vs last month
Traces Used This Month
187/300
Compliance Status
100%
All FCRA checks passed

New Skip Trace Search

$0.65 / trace
🔍
Run a skip trace

Fill in the search form and click Search. Results appear here within seconds.

Search History

187
Total Searches
176
Successful
187
Credits Used
14
This Month
$121.55
Total Cost
Date Subject Purpose Status Addresses Cost Reference Action
May 14, 2026
Marcus T. Williams
Richmond VA
 Repossession Success 3 $0.65 RDN-88412
May 13, 2026
Thomas R. Hill
Maryland
 Repossession No Results 0 $0.65 RDN-88397
May 12, 2026
Anthony D. Flores
Washington DC
 Repossession Success 2 $0.65 RDN-88376
May 10, 2026
Kevin O. Marshall
Maryland
 Repossession Success 1 $0.65 RDN-88351

Credits & Usage

Plan
Growth
Billing Period
May 1–31, 2026
Estimated Overage
$0.00
Days Remaining
17

Current Month Usage

May 2026
📁 LiveAssist365 — Cases 412 / 600
188 cases remaining this month · Overage rate: $2.50/case
📞 VirtualReceptionist365 — Minutes 847 / 1,500
653 mins remaining · Overage rate: $0.40/min
🔍 SkipTrace365 — Traces 187 / 300
113 traces remaining · Overage rate: $1.50/trace
💲 FeeManagement365 Not Active
Add to plan for +$299/mo · Upgrade

Usage History

412
Jan
Feb
Mar
Apr
May
April 2026389 cases · 712 mins · 164 traces
March 2026421 cases · 893 mins · 199 traces
February 2026304 cases · 540 mins · 122 traces
✅
No overages this month

You're well within your plan limits. Overages are billed at month-end if exceeded.

LiveAssist365 Workspace

VA-Aria Online
🔍
Select a case to view details

Billing

Current Plan
Growth Plan
Active
600
Cases/mo
1,500
Mins/mo
300
Traces/mo
Next Invoice
$1,499
Due June 1, 2026
No overages this period

Payment Method

💳
Visa ending in 4242
Expires 08/28
Default

Invoice History

Date Description Amount Status
May 1, 2026 Growth Plan — May 2026 $1,499.00 Paid
Apr 1, 2026 Growth Plan — April 2026 $1,499.00 Paid
Mar 1, 2026 Growth Plan — March 2026 + $37.50 overage $1,536.50 Paid
Feb 1, 2026 Growth Plan — February 2026 $1,499.00 Paid

Team Management

Team Members

3 members · Growth plan allows up to 10
JM
James Morrison
admin@midnightexpress.com
Admin You
VA
VA-Aria (AI Agent)
Managed by Repo365.ai
● Online AI Agent
RK
Rachel Kim
rachel@midnightexpress.com
Member

Roles & Permissions

Admin

Full access: billing, team, all workspaces, settings

Member

Access to workspace and credits only. No billing or team management.

AI Agent

Managed by Repo365.ai. Processes cases, calls, and skip traces automatically.

Settings

Agency Profile

Notifications

RDN Integration

✅
Connected
Last sync: 3 minutes ago

Security

Help & Documentation

🔍
📁
LiveAssist365 Guide

RDN case management, VA desk workflows, lender communication templates

📞
VirtualReceptionist365 Guide

AI voice agent setup, call routing rules, escalation configuration

🔍
SkipTrace365 Guide

How to run traces, reading results, exporting to RDN

💲
FeeManagement365 Guide

Uploading rate cards, reading fee recommendations, dispute resolution

Frequently Asked Questions

How do I connect my RDN account?+
What happens when I exceed my plan limits?+
Can I cancel my plan at any time?+
How do I reach support?+
Still need help?

Our support team is available during your plan hours.

✉ Email Support

Workplace365

🏢 Digital Workplace
🖥️

Workplace365

A complete digital workplace powered by Zoho Workplace apps. Manage communication, collaboration, documents, and security from one unified system — purpose-built for repossession agencies.

11
Integrated
Apps
Workplace365 screenshot
💿
Zoho Mail

Professional email with your agency's custom domain. Keep all lender and debtor communications organized, searchable, and secure.

📅
Calendar

Shared scheduling and team coordination in one view. Never miss a deadline, lender appointment, or field recovery window.

✅
ToDo

Assign, track, and close tasks across your recovery team. Stay on top of daily workflows and case follow-ups without the chaos.

📁
WorkDrive

Centralized file storage and secure sharing for your agency. Access lender docs, case files, and compliance reports from anywhere.

📝
Writer · Sheet · Show

Create professional documents, spreadsheets, and presentations together. Built for team collaboration — no Office subscription needed.

💬
Cliq

Real-time messaging and channels for your entire team. Faster decisions, fewer missed messages, and less email clutter.

🎥
Meeting

HD video meetings with screen sharing and recording. Connect with lenders, field agents, and clients in seconds — no download needed.

🔒
Vault

Securely store and share credentials across your agency. End password chaos and protect access to lender portals and RDN accounts.

👤
Directory

Manage team members, roles, and permissions from one place. Onboard new agents in minutes and offboard departing staff instantly.

🤝
Connect

Internal social hub and collaboration space for your agency. Share updates, build culture, and keep remote teams aligned.

🛡️
eProtect

AI-powered email security and phishing protection for your domain. Keep your agency safe from cyber threats and data breaches.

🚀
Ready to launch?

Get your agency's full digital workplace running in one day.

RepoWeb365

🌐 Web Platform
🌐

RepoWeb365

Modern websites designed for the repossession industry with built-in AI tools to improve debtor communication and engagement. Launch your professional web presence in days, not months.

RepoWeb365 screenshot
🌐
Custom Websites

Purpose-built websites for repossession agencies, fully branded to your business. Professional, fast-loading, and designed to win lender trust on first impression.

💬
AI Chatbot

24/7 AI chatbot handles debtor inquiries automatically, so your team can focus on recoveries. Reduce inbound call volume and respond to debtors in real time.

🎥
AI Video Messaging

Personalized AI video messages sent directly to debtors and clients. Stand out with modern, engaging communication that drives faster resolutions.

🎯
Lead Capture & Tracking

Smart forms and lead tracking built into every page of your site. Never miss a lender inquiry or business opportunity — every lead is logged and followed up.

📱
Mobile-Optimized Design

Your website looks and performs perfectly on every device. Optimized for the mobile-first world where debtors and lenders browse on their phones.

✏️
Easy Content Management

Update your website content without any technical help or developer cost. Keep your site fresh, current, and accurate — always — in just a few clicks.

Finance365

💼 Financial Partner
📋
Accounting & Bookkeeping + CFO Strategy

Your complete finance partner.

Accurate books, clean financial statements, and expert tax management — with strategic CFO-level guidance when you need it most.

•
Bookkeeping & reconciliation

Monthly clean books, error correction, QuickBooks / Xero

•
Financial statements

Balance sheet, P&L, and cash flow reports

•
Tax preparation & planning

Year-round strategy, avg. 25% savings

•
Fractional CFO support

Cash flow, forecasting & growth strategy

25%
Avg. Tax Savings
100%
Remote & Online
48h
Report Turnaround
CPA
Certified Experts
∞
CFO Consultations
Works with your tools
QuickBooks Xero RDN Excel
📒
Monthly Bookkeeping

We keep your books clean every month — categorized transactions, bank reconciliation, and error correction so you always know where you stand.

📊
Financial Reporting

Get a monthly P&L, balance sheet, and cash flow statement. Lender-ready financials delivered on time, every time.

🧾
Tax Strategy & Filing

Year-round tax planning to minimize liability. Business and owner returns handled by CPAs who understand the repo industry.

🧠
Fractional CFO

On-demand CFO-level advice — cash flow planning, growth forecasting, pricing strategy, and capital readiness without the full-time cost.

🔗
QuickBooks / Xero Integration

Seamless sync with your existing accounting software. We work in your environment — no switching tools required.

💼
Ready to clean up your books?

Get started with a free 30-minute financial review with a Finance365 advisor.

BackgroundCheck365

Monitoring Live
Compliance: FCRA + EEOC
BackgroundCheck365 · Platform Solution

Know who you're hiring. Know who's working for you.

Comprehensive pre-hire screening and continuous post-hire monitoring — criminal checks, drug testing, and ongoing criminal record alerts — across every industry you operate in.

  • ✓Criminal background checks completed in 24–72 hours
  • ✓Continuous criminal monitoring with real-time alerts post-hire
  • ✓Drug screening including pre-employment, random, and post-accident
  • ✓Multi-state and nationwide criminal database searches
  • ✓Fully compliant with FCRA, EEOC, and state ban-the-box regulations
24hr
Avg turnaround
50+
State databases
100%
FCRA compliant
24/7
Monitoring alerts
🔍 Criminal Background Check
County, state, and national criminal record searches
🔄 Continuous Monitoring
Ongoing post-hire alerts when employee records change
💊 Drug Screening
Pre-employment, random, post-accident programs
✅ Compliance Engine
FCRA adverse action, ban-the-box, EEOC workflows built in
Notifications
RDN-88412 updated by VA-Aria
2 min ago
Inbound call from (804) 555-1234 handled
9 min ago
Skip trace completed — 3 new addresses found
23 min ago
RDN sync completed — 4 new orders imported
2 hr ago