For owner-operators tired of chasing money

The money is recoverable. You just can't keep chasing it yourself.

ti3.co runs a 5-week sequence on every overdue invoice, sent in your name, without you sending another reminder.

Show me what's recoverable → See how it works →
Free analysis • 48-hour turnaround • No signup • ti3.co
Recent recovery, Week 4 of 5 · Settled at 70%
Payment received ✓ Settled
From Acme Studios
Re Invoice #4401
Originally $4,200 · 75 days late
Recovered
$2,940
Week 4 · Direct to your Stripe
Recovered in week 4. No collector. No relationship damage.
Free 5-week recovery run, no card

Stop chasing overdue invoices.

Send us 5 overdue invoices. We run a 5-week recovery sequence in your business name. Email, SMS, formal Final Demand. Until your customer pays, settles, sets up a plan, disputes, or you write it off. Done for you. Free.

Send us your overdues. We'll run them free. →

No card. No setup. We handle the recovery sequence. You see what comes back.

Week 1Soft reminder
Week 2Follow-up
Week 3Settlement offer
Week 4Plan options
Week 5Final notice
0%
Commission. We take nothing of what you recover.
$0
To start. No card. No setup. No subscription on the free run.
100%
Of every recovered dollar goes straight to your account.
A real invoice scenario

Step by step, how the 5 weeks run.

Real invoice scenario

ClientCo owes you $4,200. The invoice is 75 days late. Here's what we do.

Week 1
First reminder
SMS plus email with payment link.
Week 2
Discount offered
"Settle this week, save 20%."
Week 3
Plan opened
Debtor builds a plan within your rules.
Week 4
Counter-offer
$2,940 proposed. Approve in one click.
Week 5 · Done
Resolved
$2,940 paid. Audit trail closed.
If any of this sounds familiar

You shouldn't have to keep doing this.

Seventy-five days. $4,200 owed. They've stopped replying. You can't fire them, you can't sue them, you can't suspend service. And a debt collector would take 30 to 50% and torch the relationship.

ti3 is the option that didn't exist. Until now.

AS
Acme Studios · Invoice #4401
$4,200 · 75 days overdue
May 3
Hi Acme, friendly reminder. Invoice #4401 ($4,200) is past due.
Sorry! Tight month. We'll sort it next week, promise 🙏
May 25
Following up. Hoping to close this out.
June 8
Bumping this 🙏
Read 2:14 PM
Today
You've drafted this 3 times this morning
How it works

A 5-week program. Sent in your name. Run without you.

Most accounts settle by week four. Connects with QuickBooks, Excel, Stripe, PayPal, or paste-in.

1

Upload accounts

QuickBooks 1-click, Excel, or paste-in. Two minutes.

2

Sequence runs in your name

SMS and email weekly. Compliant, audited, brand-safe.

3

Debtors pick a path

Pay, settle, plan, or dispute. No login, no friction.

4

You get paid

Direct to your Stripe or PayPal. ti3 never holds funds.

5

Final Demand Notice

Stubborn accounts get the firm last word. Cites FDCPA and the 1099-C write-off path. More on Final Demand Notice.

6

Case Resolution

Unresolved cases tracked for hand-off. Send to a collector, send to legal, or write off. One-click hand-off package included.

Worked example · Account 75 days past due

ClientCo owes you $4,200. Here's what happens.

Week 1
First reminder
SMS + email with payment link.
Week 2
Discount offered
"Settle this week, save 20%."
Week 3
Plan opened
Debtor builds a plan within your rules.
Week 4
Counter-offer
$2,940 proposed. Approve in one click.
Week 5 · Done
Resolved
$2,940 paid. Audit trail closed.
The 48-hour question

Curious what's recoverable from your aging report?

Send it across. We'll send back an estimate of recoverable balance and resolution timeline within 48 hours. No signup, no commitment, no sales call.

Show me what's recoverable →
Free, no card

Send 5 overdue invoices. We'll run them for the next 5 weeks.

Email, SMS, formal Final Demand. All in your business name. You see what comes back. You owe us nothing either way.

Start my free run →
Why this works when emails from you don't

Four reasons it works when emails from you don't.

01

Frequency without awkwardness

Five touches across five weeks, in your name, without you sending any of them. Persistence is the variable that matters most. You can't sustain it. We can.

02

Options instead of demands

Settlement offers, payment plans, instant discounts, counter-offers. The debtor picks a path forward instead of avoiding a single ask. Most overdue debt is avoidance, not refusal.

03

Mobile-first delivery

By week four, debtors have started filtering your emails. They haven't filtered their texts. SMS reaches accounts that have stopped opening email, and a payment link they can tap from the phone they're already holding removes the next bit of friction.

04

Brand-safe by design

No login, no signup, no shame language, no third-party collector identity. Your relationship survives the recovery, which is the whole reason you didn't send them to a collector.

Bonus reason

Closure with a defined next step

When the sequence ends without full resolution, Case Resolution tracks the file and gives you a one-click hand-off package for a collector, attorney, or write-off. Stubborn accounts can also receive a Final Demand Notice as the firm last word.

Every account ends somewhere

Six ways an account closes.

No more half-finished follow-ups. Every account lands in one of these.

Pay in full

One tap, balance paid, case closed.

Settle

A reduced amount the debtor can actually pay. You approve.

Payment plan

Multi-month plan the debtor sets up themselves within your rules.

Dispute

Debtor flags a dispute. Sequence pauses, case routes back to you.

Final notice

Stubborn account gets the firm last word with the 1099-C reference.

Hand off

Unresolved cases get a one-click package to send to a collector or legal.

What your customer receives

Professional, specific, and always a path forward.

The messages run in your business name from your email. Your customer never sees ti3.

Week 1 · Friendly reminder
Quick reminder on invoice #4401

Hi Alex,

Hope you're well. Just a quick note that invoice #4401 for $4,200 was due on May 14. It may have slipped through, happens to all of us.

Easiest way to settle is here: [pay link]

If something's holding it up on your end, just hit reply and let me know.

Thanks,
Sam
Acme Studios

SMS
Hi Alex, friendly nudge from Acme Studios. Invoice #4401 for $4,200 was due May 14. Pay link: [pay link]. Reply STOP to opt out.

Week 1 sets the tone. Helpful, specific, low-pressure. About 60% of overdue invoices resolve here without further nudging.

Week 3 · Settlement offer
Re: Invoice #4401, a faster way to close this

Hi Alex,

Following up on invoice #4401 ($4,200, due May 14). It's been 21 days.

If cash flow is tight on your end this month, I can offer two options:

1. Accept $3,360 (20% off) for payment received by June 8, and we close the account.
2. Set up a payment plan over the next 60 to 90 days: [plan link]

Either works on my side. Let me know which you'd prefer, or pay in full here: [pay link].

Thanks,
Sam
Acme Studios

Week 3 introduces options when ignoring is the default. Settlement and payment-plan offers turn avoidance into a decision and usually move the invoice within 48 hours.

Week 4 · Final Demand
Final Demand: Invoice #4401 (28 days past due)

Dear Alex,

This is a Final Demand for payment of invoice #4401 dated May 14, in the amount of $4,200. The invoice is now 28 days past due.

Prior reminders were sent on May 17, May 24, and June 1. To date no payment, dispute, or payment arrangement has been received.

You have three options before June 15:

1. Pay in full: [pay link]
2. Accept a settlement of $3,360 for immediate closure: [settlement link]
3. Set up a payment plan: [plan link]

If the invoice is disputed for any reason, reply to this email or use [dispute link] so we can address it directly.

If we receive no response by June 15, this account will be escalated to formal recovery in our company's name and may be reported to commercial credit bureaus.

Regards,
Sam
Acme Studios

SMS
Alex, Final Demand from Acme Studios: invoice #4401 ($4,200) is 28 days past due. Pay, settle, or plan by June 15: [pay link]. Reply STOP to opt out.

Week 4 is the structured escalation. Formal language, hard deadline, three clear paths, and a documented next step if the customer doesn't engage. Sending a Final Demand typically shakes loose 30 to 40% of stubborn invoices.

Not ready yet?

Tell us your biggest overdue invoice. We will email you what we would do about it.

No card, no signup, no calendar booking. Just send the amount and how long it has been overdue. Justin replies personally with a specific recovery plan within one business day.

Real person, not auto-reply. Usually within 4 business hours.

Customers

Real US case studies, coming.

We are running free 5-week recovery pilots with US small businesses through Q3 2026. Real names, real recovery numbers, no anonymised stand-ins. Want to be one of them? Send us your overdues and we will run them at no cost while you get the next case study slot.

Send us your overdues →

Built by Captira Analytical. 20+ years working on the unpaid-invoice problem with customers.

Yours next

The accounts you've stopped chasing are still recoverable.

Most overdue debt isn't refusal, it's avoidance. A structured 5-week sequence gives the debtor a path forward. Most accounts settle by week four.

Show me what's recoverable →
Our guarantee

Risk-free 30 days. Full refund if ti3 is not the right fit.

✓
Risk-free 30 days

Try the first 30 days risk-free. If ti3 is not the right fit, you get a full refund of any subscription fees paid in those 30 days, no questions asked. The 5-week recovery sequence keeps running on accounts you have already launched.

You'll get a written report on what we tried, what your debtors did, and our honest read on whether more time will help or whether your accounts genuinely aren't recoverable. No hard feelings either way. We'd rather lose a month's fee than have you feel like you wasted it.

Pricing

Three ways to use it.

Flat monthly fee on Self-Serve and Managed. No fees on what's recovered. Enterprise pricing is custom.

30-day money-back guarantee
Managed
From $499 /month

For operators who'd rather not. We run the program for you.

  • We operate ti3 on your aging report
  • Weekly performance reporting
  • Up to 250 invoices in active recovery
  • Final Demand Notice and Case Resolution included
  • 30-day money-back guarantee
Show me what's recoverable →
Self-Serve
$49 /month

For owner-operators who want the tool and want to run it themselves.

  • Up to 100 invoices in active recovery
  • Final Demand Notice and Case Resolution included
  • QuickBooks 1-click + Excel upload
  • Full feature set, no per-invoice fees
  • Cancel anytime
Start free trial
Enterprise
Custom

For finance and AR teams with volume, compliance, and integration needs.

  • Custom contracting and SLAs
  • Compliance documentation
  • API and integration support
  • Dedicated success manager
Talk to sales

Also available: 99¢ per invoice pay-as-you-go. See full pricing →

Free recovery analysis

Send us your aging report. We'll show you what's recoverable.

No commitment, no signup, no sales call. Within 48 hours you'll get a written estimate of recoverable balance, expected timeline, and which accounts are likely to settle first.

Show me what's recoverable →

Or try the software free with up to 10 overdue invoices for one full 5-week cycle.

Ready when you are

Send us your overdues. We'll run them free.

5 invoices, 5 weeks, in your business name. No card, no setup, no subscription. You see what comes back inside 5 weeks.

Start my free run →

Justin replies within one business day with the upload link and the message templates to approve.

Frequently asked

Questions before you sign up.

Is ti3 a debt collector?
No, and this is an important legal distinction. Debt collectors are third parties governed by the Fair Debt Collection Practices Act. ti3 is software you (the original creditor) use to manage your own first-party recovery. Messages go from you to your customer. Payments route directly to your account. ti3 never takes custody of debtor funds. Debt collectors are explicitly prohibited from using our software.
Will my customers know it’s a tool, not me?
Messages go in your name and from your business identity. The debtor experience is a clean, mobile-friendly link with no ti3 branding. Most debtors assume it’s your normal billing process. If asked, you can explain. There’s nothing to hide.
What happens if a customer disputes?
Debtors can self-identify a dispute through the magic link. The account is paused, you’re notified immediately, and a managed-dispute service is available for 99¢ per invoice if you want us to handle the back-and-forth. Disputes are tracked and exportable for compliance.
How does the 30-day guarantee work?
It applies to the Managed plan. If you upload an aging report and we recover nothing in the first 30 days of active operation, we refund that month’s fee and send you a written report on what we tried, what we observed, and our honest read on whether your accounts are recoverable with more time or whether they aren’t. We’d rather lose a month’s fee than have you feel like you wasted it.
How does it integrate with QuickBooks?
One-click integration imports your aging report and selected overdue invoices. Status updates and recovered amounts can sync back. If you don’t use QuickBooks, the Excel/CSV upload works just as well.
What does it cost compared to a debt collector?
A typical debt collector charges 20-50% of what they recover. On a $4,200 invoice that’s $840 to $2,100 lost. ti3’s Managed plan is a flat monthly fee with no percentage of recovery, typically a fraction of one collector commission. The math gets better the more you use it.
What is the Final Demand Notice?
A formal final notice you can send to a stubborn debtor, in your business identity, after the standard reminder sequence has stopped working, or as a stand-alone one-off without the sequence. The notice references that cancelled debt of $600 or more may be reported to the IRS on Form 1099-C and is generally treated as taxable income to the debtor under IRS Topic 431. Available at 99¢ per notice or as part of the Self-Serve and Managed plans. More at /final-demand/.
What happens to accounts that don't pay during the 5-week sequence?
They move into Case Resolution: a tracked closure workflow where you decide the next step (send to a third-party collector, send to legal, or write off). ti3 assembles a hand-off package with the full message history and debtor responses so you don't have to recreate the file. Case Resolution is included in every plan.
Who’s behind this?
ti3 is built by Captira Analytical. We've built business software for customers across the US for over two decades. Collections kept coming up across our customer base, so we built a solution that helped all of them at the same time. ti3 is that solution, refined over years and available now for any business with the same problem.