Running an AR team for a larger company?See how ti3 works for finance teams→
Recovery software, not a debt collector

Get paid on the invoices your clients keep promising to settle.

You stay the creditor. We run the workflow. Upload your aging report once. ti3.co runs a 5-week sequence on each overdue invoice, sent under your business identity. Most settle by week four.

See what's recoverable in 48 hours → See how it works →
Free analysis • 48-hour turnaround • No sales call • 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.
Recovery work for businesses in
Marketing agencies • Service businesses • Professional services • Managed IT • Mid-market AR teams
Which sounds like you?

Two situations. Same product.

ti3 reads differently depending on whether the late invoice lands on your phone or your AR team's queue.

For owner-operators

I'm the one chasing money myself.

Late payers, ghosting clients, the email you've drafted three times this morning. Built for small-business owners who can't fire the client and won't use a collector.

See ti3 for owner-operators →
For finance and AR teams

I'm running AR for a larger company.

Audit-ready compliance, integration into your finance stack, and predictable per-account pricing that scales. Built for AR teams who want first-party recovery without becoming third-party collectors.

See ti3 for AR teams →
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.
What ti3 is

Where the messages come from. How the 5 weeks play out. Where the money lands.

The messages go from you

SMS and email reminders go out from your business identity. Your debtor sees a professional reminder from a business they recognize, not a collector. The two channels work together: SMS reaches accounts that have stopped opening email, and email carries the longer-form context when the relationship needs it.

Five weeks, five paths to resolution

Each touchpoint opens an option for the debtor: pay in full, settle for less, build a plan, or dispute. Specific offers get easier; avoidance gets harder. Most accounts settle by week four. You approve any exception in one click.

5-week sequence · Most settle by week 4

Money routes to you, never to ti3

Payments go straight to your Stripe or PayPal account. ti3 never holds debtor funds and never takes a percentage of what's recovered. Your name stays on every message and your account on every payment.

Funds direct to you · Never to ti3
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.

Customers

What the recovery looks like.

Marketing agency North Carolina
$47,300 in 8 weeks

"Clients were ghosting us after we'd done the work. ti3 kept chasing without making us the bad guy. Half our backlog cleared in month one."

Shannon S. · Operations lead
Service business Texas
$18,400 in 6 weeks

"I add clients who don't pay and ti3 reaches out every week. I don't like collectors. I don't have time for it. ti3 solved both."

Randy L. · Founder
Professional services Florida
$112,000 in 90 days

"We'd mentally written these accounts off. ti3 brought in 6 figures from our 90+ day bucket without us lifting a finger. Three of those clients still do business with us."

M. Reyes · Practice manager
✓
30-day Managed plan guarantee

If we don't recover anything in your first 30 days, we refund the month and send you a written report on what we found.

Read the guarantee →
Pricing

Software pricing, not collector pricing.

Flat monthly fee on Self-Serve and Managed. Three ways to use ti3.

Self-Serve
$49/mo

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

Read the details →
30-day money-back guarantee
Managed
From $499/mo

We run the program for you. 30-day money-back guarantee included.

Read the details →
Enterprise
Custom

Custom contracting, dedicated success, predictable per-account pricing.

Read the details →

Full feature comparison and pricing FAQ at /pricing/.

About ti3

We didn't invent this problem. We just got tired of watching it go unsolved.

ti3.co is built by Captira Analytical. For over two decades we've built software for businesses across the US. Across customers, one pattern kept coming up: unpaid invoices, old debt, the operational stress of chasing payments. The problem was common. The dollars were large. Existing options didn't really solve it.

So we built a solution that helped all our customers at the same time. ti3.co is that solution, refined over years and available now for any business with the same problem.

Where ti3 fits

  • It's not a debt collector. Messages come from you, not from us. Payment routes to your account, not ours. We never take custody of debtor funds. Third-party collectors are explicitly prohibited from using the platform.
  • It's not in-house dunning. An AR analyst can run a 5-touch sequence on 50 accounts. Not on 5,000. ti3 runs the same sequence at any scale without losing the personal feel.
  • It's not Stripe auto-retry. Auto-retries handle a card decline three times and stop. ti3 picks up where automated retries fail, with a 5-week sequence that opens settlement, plan, and dispute paths.
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.

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.