Interval (ADAM)

Interval is built for finance and billing teams that want to recover overdue revenue without damaging customer relationships or hiring a room full of collectors. You connect your CRM, accounting system or a spreadsheet, and the platform imports customer and invoice data in one step. From there, AI decides the best time, channel and tone for each customer, then carries on the whole conversation — calls, texts, emails and even paper mail — under your own brand, with approval over how it sounds.

The product is split into two stages. Early recovery handles first-party outreach from the first missed payment up to roughly day 120, automating reminders, follow-ups and negotiation. Formal collections covers accounts past that window through Interval Recovery Services, a licensed and bonded debt collection agency, so accounts never leave the platform when they escalate. Interval also manages disputes end to end, keeps expired credit card and ACH details refreshed, and sets up payment plans with routine promise-to-pay check-ins.

Reporting is real-time: you can track every conversation, payment and promise to pay, see aging buckets and DSO movement, and step into any conversation thread manually at any point. The company reports $3B+ collected to date, an average 31-day reduction in time to payment, around 400 disputes managed per client monthly and roughly 52 hours of monthly time savings, with more than 300 companies using it across home services, lending, fitness, medical, legal and utilities.