Call the application back before the competition opens it.
In small business lending, the funder who calls first usually funds the deal. Wavyo calls every new application within seconds, qualifies against your buy box, collects stipulations, chases missing documents and books the underwriting call — on a list size no ISO floor can cover.
Where it breaks today.
The four things that quietly cost merchant lending the most money on the phone.
The lead is shopped the moment it lands
Merchants submit to a broker aggregator and every funder gets it at once. Fifteen minutes late is the whole deal.
Stips that never arrive
Deals stall waiting on bank statements and a voided cheque. Nobody has time to chase the same merchant six times.
Reps burning hours on unqualified files
Time-in-business, monthly deposits and industry could have disqualified the file in ninety seconds — after ninety minutes of chasing.
Renewals left on the table
Merchants who paid off cleanly are the best deals you will ever write, and they are the ones nobody calls back.
Built for the way you actually take calls.
Not a generic assistant with your name in the greeting. Every one of these is configured against your systems, your rules and your language.
Instant speed to lead
Fires the moment an application hits your CRM. Redials on your cadence until a human answers.
Qualifies against your buy box
Time in business, average monthly deposits, industry, existing positions, credit band and use of funds — captured in conversation and scored.
Collects the stips
Texts a secure upload link mid-call, confirms what is still missing and calls back until the file is complete.
Books the underwriting call
Only complete, in-box files reach a human — as a booked slot with the file attached.
Works renewals and declines
Calls the paid-off book for renewals and reworks aged declines when your criteria change.
Feeds the pipeline clean data
Every call writes back qualification, objections and status so your pipeline reflects reality.
Hours back, and revenue that stops leaking.
Voice AI pays for itself twice — once in the payroll hours it absorbs, and again in the calls that used to go unanswered.
No manual dialling on new applications
The first three calls on every file happen without a rep touching a phone.
Stip chasing stops eating the afternoon
Follow-up runs on a schedule and only surfaces when documents land or the merchant goes cold.
Reps only speak to qualified merchants
Out-of-box files are declined politely and logged, never routed to a human.
You are the first funder on the phone
First contact wins a disproportionate share of shopped applications. That is the whole game.
More files reach submission
Relentless, polite stip chasing converts deals that used to die at 70% complete.
The renewal book gets worked
Your cheapest, best-performing deals stop being the ones you forgot to call.
A real call, start to finish.
Natural pacing, interruption handling and the ability to actually complete the task — not a phone tree with a better voice.
Every call updates the systems you already run, so nothing has to be re-keyed and nobody changes how they work.
What merchant lending usually ask.
Typically inside sixty seconds of the application hitting your CRM, and it redials on the cadence you set until it reaches a human.
It can politely decline files clearly outside your buy box and log the reason. Borderline files always go to a human.
No. It qualifies, collects stips and books the underwriter. Terms and offers stay with your people.
Let’s build your voice employee
Bring your call volume and your worst bottleneck. We’ll show you the agent answering it live, then tell you exactly what it takes to put it in front of your customers.