Debt type: Small Business Loans
Business borrowers reached before default becomes loss.
Small business loans, lines, and merchant cash advances default fast when cash flow breaks. HL Hunt reaches owners early through the channels they check, offers restructuring options, handles guarantors correctly, and applies the commercial collection rules that differ from consumer debt.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- -24%
- Roll to default
- Owner
- Direct outreach to decision makers
- Workout
- Options offered before acceleration
- State
- Commercial collection and MCA rules
How HL Hunt collects small business loans
Owner-direct outreach
Text and email to the owner, not a general business inbox, with cash-flow-aware timing.
Restructuring options
Payment holidays, term extensions, and modified schedules offered as clear choices before acceleration.
Guarantor coordination
Personal guarantor contact with correct disclosures, coordinated with business outreach.
MCA-specific handling
Remittance adjustments and reconciliation requests for merchant cash advances per state disclosure laws.
Commercial rules applied
Commercial collection law, state MCA regulation, and consumer protections where guarantors are individuals.
LOS and servicing sync
Connect business lending platforms for placement, status, and payment posting.
Start recovering small business loans today.
Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.
How it works
- 01
Place accounts
Upload a CSV, connect your system, or push small business loans through the API with balances, itemization, and consent data.
- 02
AI runs the right strategy
Collectability scoring sets intensity, the waterfall picks channels, and every contact is checked against the rules that apply to this debt type.
- 03
Resolve and sync
Payments, plans, disputes, and status updates flow back to your system in real time with full audit trails.
Business defaults are fast and personal
When a small business misses a loan payment, the cause is usually a cash flow shock: a lost customer, a slow season, an unexpected expense. The owner is often personally liable through a guarantee and personally stressed. The window to restructure before default is short, and the owner is reachable but busy, checking texts between tasks rather than answering unknown calls.
HL Hunt reaches owners directly and quickly with messaging that acknowledges the business relationship and offers options: a short payment holiday, a term extension, a modified schedule. For merchant cash advances, remittance adjustment and reconciliation requests are handled per state disclosure requirements. Guarantors are contacted with the correct disclosures and in coordination with business outreach, so no one receives conflicting information.
Commercial debt is not covered by the FDCPA, but state commercial collection laws, MCA regulations in states like New York and California, and consumer protections for individual guarantors all apply. The compliance engine sorts out which rules govern each contact.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Small Business Loans rules | Type-specific laws, itemization, and strategy applied automatically | One generic workflow for every debt |
| Who does the work | AI contacts, converses, negotiates, and collects; humans handle exceptions | Agents on a dialer working whatever fits in the day |
| Compliance | Every contact checked against FDCPA, TCPA, Reg F, and state law before it happens | Training, scripts, and audits after the fact |
| Channels | SMS, email, AI voice, letters, and a self-service portal chosen per debtor | Phone calls and letters on a fixed schedule |
| Coverage | Every account worked, including small balances | Large balances worked; the rest ages out |
| Visibility | Every message, transcript, promise, and payment live in your dashboard | A monthly PDF report |
| Cost | Free to $649 a month plus 3% to 26% commission; Enterprise custom | 25% to 50% contingency, or seats plus modules plus services |
Pricing
Start free. Pay only on what you recover.
Small Business Loans is included on every plan. Start at $0 a month with 50 active collections, and move up as your portfolio grows. Commission falls from 26% on Free to 3% on Enterprise, and it is charged only on money actually recovered.
Enterprise: unlimited collections, seats, SMS, voice, and email with a 3% commission, SOC 2 reports, DPA, and dedicated support.
- $0
- Free
- $149
- Basic, per month
- $349
- Growth, per month
- $649
- Scale, per month
50 active collections · 26% commission · 1 seat
250 active collections · 15% commission · 3 seats
1,000 active collections · 10% commission · 10 seats
5,000 active collections · 6.5% commission · 25 seats
Everything included
One platform covers all of it
Small Business Loans is one part of the platform. Every HL Hunt plan, from Free to Enterprise, includes the full collections stack, so you never bolt on a second vendor as your portfolio grows.
- AI outreach engineRight channel, right time, right words for every debtor.Learn more
- SMS, email & lettersEvery channel, orchestrated per account.Learn more
- AI voice agentCompliant calls that take payments and hand off.Learn more
- AI payment plansAffordability-based plans negotiated automatically.Learn more
- Payments & portalCard, ACH, and wallets with a self-service portal.Learn more
- Compliance engineFDCPA, TCPA, Reg F, and 50 states, on every contact.Learn more
- Disputes & validationNotices, disputes, and cease requests handled.Learn more
- Recovery analyticsLive liquidation, channel, and cohort reporting.Learn more
- API, CSV & MCP serverConnect your LOS, billing, or let your agent do it.Learn more
Get started
Go live with Small Business Loans today
Create a free account, upload your first accounts, and AI outreach begins within the hour. No credit card, no contract, no implementation project. Here is what to have ready.
Prefer to talk first? info@hlhunt.org
- 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
- 02Consent and contact-preference data you hold for phone numbers and email addresses
- 03Your legal entity, any collection licenses you hold, and the states you collect in
- 04Brand assets and tone preferences for outreach in your name
- 05Settlement authority and payment plan rules you want the AI to follow
Small Business Loans FAQ
Does the FDCPA apply to business loan collections?
Not to the business debt itself. Individual guarantors may have consumer protections depending on the state and circumstances, and the compliance engine applies the appropriate rules.
Can HL Hunt handle merchant cash advance collections?
Yes, including remittance adjustments, reconciliation requests, and the state MCA disclosure and collection rules that apply.
How are guarantors contacted?
With disclosures appropriate to their status, coordinated with business outreach, and with consent and contact rules applied per person.
Can the AI offer restructuring?
Within authority you set. Workout options are presented as choices and accepted terms flow back to your servicing system for documentation.
Still have questions?
Talk to a collections specialist, or start free and see the platform for yourself.
Start recovering more today.
Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.