Leasing and credit brokerage · Rollout scenario · Updated
Leasing payment reminders: a scope that matches your role
The system gathers the contract, the balance and the client's messages for the named team. The scope depends on whether you settle, service or only brokered the contract.
Automation, paid once
from €3,000 net
Test on your process: €0
You pay 50% after acceptance
How much does payment reminder automation for leasing cost, and when does it pay back?
Short answer
Payment reminder automation for leasing costs from €3,000 net. In our scenario it pays back in 4.1 months. Today, preparing 150 cases for client contact by hand costs €872 a month. With the system, the same work costs €133. The authorised team answers about the balance. The system makes sure the company does not speak for the lender without authority. The test on your process is free.
Statistics
Late payment statistics 2026
52%
According to the EU Payment Observatory (2025), 52% of European companies faced problems with late payments in 2024.
According to the European Commission (2026), 90% of EU companies that use AI say people take the decisions. Only 2% of decisions in these companies are fully automated.
a month for preparing 150 cases for client contact by hand
Today€872
With the system€133
Payback: 4.1 mo.
In your company
Broker
60 cases · €349 a month
10 mo. payback
Mid-sized service team
150 cases · €872 a month
4.1 mo. payback
Large service team
400 cases · €2,327 a month
1.5 mo. payback
The team gets back about 21 hours of work a month, or 3 working days, and the company €8,869 a year. We count after the time a person spends checking and after the model cost.
150 × 10 min = 25 h × €34.90 = €872 a month. With the system, a person checks the output in 15% of the old time (€131) and the model costs €2. That leaves €133. The saving is €739 a month, so €3,000 pays back in 4.1 months.
Assumptions: 10 minutes to prepare a case and checking in 15% of the old time are our assumptions. €34.90 an hour is the EU average hourly labour cost for 2025 according to Eurostat, for companies with 10 or more employees. Model cost: 0.015652 USD per reminder draft with a separate tone check, measured in our receivables system, at the ECB rate of 1.1205 USD per euro on 22 October 2026. The payback counts saved time only. A reminder that goes out on time also recovers invoices that would otherwise go to an external agency or be written off, and we count that on your receivables during the review.
An employee looks for the contract and the schedule
Team
The balance sits with the lender
Team
Nobody knows who may answer
Team
The client waits
Client
With the system
The client's message lands in the inbox
Client
Gathers the contract, the schedule and the history
AI
Shows who is authorised to answer
AI
The team decides and replies
Person
The case has a trail of authority
System
What stays with people: The authorised team answers about the balance. The system makes sure the company does not speak for the lender without authority.
foap.com customer service: 95% of replies are sent automatically.
Users from several countries write to foap.com, in several languages. The system reads the entire conversation and the terms of that person, and then sends a response in that person's language. Questions about money and exceptions go to the team with a ready draft, so they have to check and send them.
the system sends the answers itself, without human typing
95%
the system sends the answers itself, without human typing
time from the arrival of the e-mail to the ready response (median)
30 s
time from the arrival of the e-mail to the ready response (median)
e-mails that require a response receive a ready-made draft
100%
e-mails that require a response receive a ready-made draft
less work for every 1000 answers (estimate)
47 h
less work for every 1000 answers (estimate)
Data from foap.com production, October 20-21, 2026. Estimate: 3 minutes for handwritten response.
It takes the age of the debt, the contact history and disputes into account, and a second check reviews the tone of each message. The system has no sending tool, so nothing goes out without a person. A draft with its check cost about €0.014 of model work. A demonstrator on test data.
“We started with my own AI agent. During the training that followed, I learned to build new applications myself. Today I am bringing this way of working with AI into my business. Working with Syntalith gave me exactly the skills and tools I needed.”
You choose the test cases. We anonymise them on request.
They stay in the EU and we delete them after the test.
We sign the NDA and the data processing agreement before we receive anything.
After acceptance you keep the code, the test set and the documentation. You pay for licences and model usage directly to the provider.
Questions
How much does reminder automation in leasing cost?
From €3,000 net, paid once. After the 5-day test the build takes 2 to 6 weeks. You get a fixed price before the contract: 50% on signing and 50% after acceptance on your own cases.
Does the system send reminders on its own?
No. The system prepares a draft, and an employee approves it and sends it from their own inbox. Disputes and further steps stay with the company.
Is this a debt collection system for a financial institution?
No. It is a workflow of materials for your team within your role. We agree the scope after checking your contracts with lenders.
When does it not pay off?
Below 60 cases a month the payback takes more than a year. Then it is better to start with ChatGPT or Claude for the service team, from €1,150 net.
What do we need to prepare?
A description of your role in the contracts with lenders, 20 to 100 cases with client correspondence (anonymised on request) and a list of the people authorised to answer.
What our OpenAI and Anthropic partnerships mean for you.
OpenAI makes ChatGPT and Anthropic makes Claude. We belong to the partnership programs of both companies, so we work with their tools every day and learn from the creators themselves.
Claude Partner Network
01We will select a tool for the task
We implement both ChatGPT and Claude. We check both on your documents, and you choose the one that makes fewer corrections and saves more time.
02Knowledge straight from the creators
We learn from official OpenAI and Anthropic courses and materials. Your team learns about the features and settings that work today.
03Licenses without our margin
You buy accounts directly from OpenAI or Anthropic and receive an invoice from them. We do not add anything to the license.
04Certified engineers
On the team, we have an AWS certification in machine learning and an Anthropic certification in systems architecture on Claude.
Participation in programs does not mean that OpenAI or Anthropic endorses our services.
customer service
