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Highvance

Call every loan lead before another lender does.

The agent calls aggregator and ad leads within minutes, takes consent, asks the eligibility questions and sends the document checklist on WhatsApp. It keeps following up until the file is complete, then hands over to your team.

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AI voice calls from ₹5 per minute. No platform fee.Get custom pricing based on your volume requirement
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Kabir
Loan qualification agent · Sahyog Finance (demo brand)
Language

Scripted demo: ask which documents you need. The agent is an AI.

Prefer your phone? Call [Public number]
Deepak M.
Highvance Brain · Financial services
Demo data
Consent
Monthly income
Existing EMI
Documents
Scoring after call

The memory card fills as the agent learns. The same record follows the customer to WhatsApp, email and chat.

Remembers for every customerDocuments receivedEligibility answersConsent

Where money leaks

The places financial services teams lose customers today, what the agent does about each, and what to measure once it is live.

No promised percentages. Every card ends with the number you should track in your own reports.

Reach out firstLoop closed

Loan leads sold to several lenders

  1. What goes wrong
    Aggregator leads are sold to several lenders at once, and the lender who calls first gets the conversation.
  2. What the agent does
    The agent calls within minutes, takes consent and starts the eligibility questions.
  3. Features it uses
    Calls triggered from CRM events or the APIPre-call checksRetries on busy and no answer
  4. What to measure
    Time from lead to first call, and applications started per lead source.
Handle the rushLoop closed

Too many leads that will never qualify

  1. What goes wrong
    Your team spends its day on applicants who fail basic eligibility.
  2. What the agent does
    The agent asks about credit score, income and existing debt before a human calls.
  3. Features it uses
    Qualification questionsCRM data extractionLead scoring
  4. What to measure
    Leads in each score bucket, and how many screened leads your team converts.
Reach out firstLoop closed

Documents that never arrive

  1. What goes wrong
    Files stall while staff chase PAN, Aadhaar and salary slips one call at a time.
  2. What the agent does
    The agent sends the checklist on WhatsApp and calls back until every document is in.
  3. Features it uses
    WhatsApp after the callRetries and auto call-backWorkflows
  4. What to measure
    Days from application to a complete file, and files completed.
Reach out firstLoop closed

Pre-approved offers nobody activates

  1. What goes wrong
    Customers are pre-approved but never hear about it, or forget.
  2. What the agent does
    The agent calls with the offer, answers questions and hands interested customers to your team.
  3. Features it uses
    CampaignsCall transferWhatsApp after the call
  4. What to measure
    Offers activated among called customers against those not called.
Reach out firstLoop closed

Missed EMIs that turn into delinquency

  1. What goes wrong
    A missed payment nobody mentions early becomes a harder conversation later.
  2. What the agent does
    The agent reminds borrowers before the due date and in the early days after it, with a payment link on WhatsApp. Early stage only.
  3. Features it uses
    CampaignsWhatsApp after the callPre-call checks
  4. What to measure
    On-time payments among reminded borrowers, and cases handed to your team.
More · 1 other leaks
  • Loan closure and no-objection certificate follow-up.
Mumbai's lit business-district towers at night under heavy cloud, mirrored in still black water.

One record per customer: documents received, eligibility answers, consent.

Every loan lead gets a first call, with consent taken, before another lender reaches them.

Hear a real call

A recorded call from a Highvance agent. The transcript follows the audio. Tap any line to hear it.

On every financial services call the agent listens for

  • Documents received
  • Eligibility answers
  • Consent

Each answer is saved to the customer record with the moment it was said, then follows the customer to WhatsApp, email and chat.

Recorded call

[Recorded financial services call to be added]

A consent-cleared recording with its full transcript will appear here.

From first lead to reporting

Voice carries most of the journey. Each step names the feature doing the work.

AI voice agent · 5 of 9 stepsPlatform
  1. Lead arrives

    An aggregator, ad or website lead lands on the customer record with its source and campaign.

    • Lead attribution
  2. VoiceStep 2
    Checked before the call

    Calling hours, DND, consent and frequency limits are checked before the agent dials.

    Pre-call checks
  3. VoiceStep 3
    First call in minutes

    The agent introduces itself as an AI, takes consent and asks about income, existing EMIs and the loan needed.

    Outbound AI voice agent
  4. VoiceStep 4
    Eligibility check

    Answers are checked against your rules during the call, and the result is saved to the customer record.

    Live data lookup and CRM data extraction
  5. Checklist on WhatsApp

    The exact documents needed go out as a WhatsApp template filled from the call.

    • WhatsApp after the call
  6. VoiceStep 6
    Document reminder calls

    The agent calls back at the time the customer asked for, until the file is complete.

    Auto call-back and retries
  7. Handoff to a loan officer

    The score, answers, documents received and the full conversation reach an online officer.

    • Availability-aware routing with full context
  8. VoiceStep 8
    Early EMI reminders

    Before the due date and in the early days after it only. Sensitive cases go to a human.

    Campaigns
  9. Reporting

    Pipeline reports from lead to disbursal, with source and first-response time.

    • Pipeline reports and call logs
  1. Lead arrives

    An aggregator, ad or website lead lands on the customer record with its source and campaign.

    • Lead attribution
  2. VoiceStep 2
    Checked before the call

    Calling hours, DND, consent and frequency limits are checked before the agent dials.

    Pre-call checks
  3. VoiceStep 3
    First call in minutes

    The agent introduces itself as an AI, takes consent and asks about income, existing EMIs and the loan needed.

    Outbound AI voice agent
  4. VoiceStep 4
    Eligibility check

    Answers are checked against your rules during the call, and the result is saved to the customer record.

    Live data lookup and CRM data extraction
  5. Checklist on WhatsApp

    The exact documents needed go out as a WhatsApp template filled from the call.

    • WhatsApp after the call
  6. VoiceStep 6
    Document reminder calls

    The agent calls back at the time the customer asked for, until the file is complete.

    Auto call-back and retries
  7. Handoff to a loan officer

    The score, answers, documents received and the full conversation reach an online officer.

    • Availability-aware routing with full context
  8. VoiceStep 8
    Early EMI reminders

    Before the due date and in the early days after it only. Sensitive cases go to a human.

    Campaigns
  9. Reporting

    Pipeline reports from lead to disbursal, with source and first-response time.

    • Pipeline reports and call logs

How financial services uses the whole platform

Voice leads. Chat, CRM, automation, the team inbox and compliance all work on the same customer record.

See every voice feature

26 features across 6 groups

  • Outbound callsAggregator and ad leads called within minutes of arriving.
  • Qualification and extractionCredit score, income and existing debt answers saved to fields you define.
  • Document reminder callsCalls back until every document is in, at times the customer chose.
  • CampaignsPre-approved offer activation and card activation calls.
  • Early-stage remindersEMI reminders before the due date and roughly the first 30 days overdue only.
  • Call transferSensitive cases and ready applicants move to a person on the call.

  • WhatsAppDocument checklists, upload reminders and payment links for early reminders.
  • Website chatEligibility and document questions answered before the application.
  • EmailThreaded document requests and application updates.
  • InstagramAd comments and DMs turned into a call.

  • Custom fieldsIncome, existing EMI, loan amount, documents received and consent.
  • PipelinesLead, eligible, documents pending, submitted, approved, disbursed.
  • Protected fieldsFields such as recorded consent cannot be edited after creation.
  • Lead attributionAggregator, campaign, first-response time and owner per application.

  • WorkflowsMissing documents: WhatsApp reminder, then a call-back after the interval you set.
  • Workflow conditionsBranches on consent, DND, score, stage and replies.
  • AI Automation BuilderDescribe your lending process and it builds the pipeline and follow-ups for review.
  • FormsEligibility forms that update the customer record and start a workflow.

  • Availability-aware routingReady applicants go to an online loan officer, with backup owners.
  • Human handoff with contextOfficers get the conversation, history, memory and the reason for handoff.
  • Roles and permissionsStaff see only the applications their role allows, enforced server-side.

  • Pre-call checksCalling hours, DND, consent and frequency limits before every call.
  • Recordings and transcriptsEvery call stored with its transcript against the customer record.
  • Audit logEvery AI message, CRM change and assignment is logged.
  • Consent and compliance trackingConsent evidence tracked per customer.On request
  • Outbound message safety engineEvery automated message checked and blocked with a logged reason.On request

What our agent will and will not do

The agent handles pre-approval nudges, document reminders and early-stage soft reminders only (roughly the first 30 days overdue). It never handles late-stage or hardship collections. It respects DND, calling hours and consent. Sensitive cases go to a human.

What our agent will do

  • Pre-approval nudges.
  • Document reminders.
  • Early-stage soft reminders only, roughly the first 30 days overdue.
  • Respect DND, calling hours and consent on every call.

What our agent will not do

  • Late-stage collections.
  • Hardship collections.
  • Handle sensitive cases. They go to a human.
  • Pretend to be a person. The agent says it is an AI.

[Pending legal review]Wording to be confirmed before launch.

A call-taker in a headset at a contact centre, with a row of colleagues receding into soft focus.

The same customer record your front office fills, working for the back office too.

For the operations team

What happens after the first call, handled on the same record.

  • Document status at a glance

    What each applicant has sent and what is missing, updated from calls and WhatsApp.

  • Loan closure and NOC follow-up

    Calls and messages that close the loop on closures and no-objection certificates.

  • Source and officer reporting

    Which aggregator and campaign lead to disbursals, and each officer's pipeline.

  • Old recordings into data

    Past call recordings processed into transcripts, summaries and structured lead data.

    On request

Put your own numbers in

Your leads, your costs, your response time. The formula is shown and every assumption can be edited.

Open the full calculator

Financial services leads at risk

Example inputs, per month. Use your own.

%
₹
Estimated at risk each month
₹48,00,000

Value of applications that drop off. About ₹5.76 Cr a year.

3,000 applications a month
Drop-off
1,200 stall and drop off₹48,00,000 at risk
300 won back₹12,00,000

Recovering 25% of it is worth ₹12,00,000 a month.

Book a live demoOpen the full calculator

Assumes you recover 25%. These are examples, not benchmarks; change them in the full calculator.

Financial services questions

Ask the agent instead
It answers in Hindi, Hinglish or English, and it is an AI.
Book a live demo

Only early-stage soft reminders, roughly the first 30 days overdue, plus pre-approval nudges and document reminders. It never handles late-stage or hardship collections. Sensitive cases go to a human. [Pending legal review]

Calling hours, DND and consent are checked before every call. On the call, the agent says it is an AI and asks for consent, and the answer is saved to the customer record. [Pending legal review]

The agent sends a document checklist on WhatsApp and calls back until the file is complete. Your team sees what has arrived on the customer record.

The agent asks the eligibility questions you set, such as credit score, income and existing debt, and saves the answers. Any system lookup depends on the data sources connected during setup.

Leads from aggregators, ads, your website or your CRM. Calls start from CRM events, GoHighLevel tags, the API or manually.

Yes. All Indian regional & global languages are supported, including Hindi.

Hear an agent handle your kind of call.

Book a live demo. We hear your case, put an agent on your own scenario and show you the platform. Access is set up after the demo.

AI voice calls from ₹5 per minute.

Get custom pricing based on your volume requirement

What happens after you book

  1. A call to hear your case

    We call you to understand your leads, your call volumes and what you want the agent to handle.

  2. A live agent on your scenario

    You hear an agent handle your kind of call. All Indian regional & global languages are supported.

  3. A tour of the platform

    See calls, WhatsApp follow-ups and the customer record work together in the Highvance Brain.

  4. Next steps

    If it fits, Highvance sets up your access. There is no sign-up and no free trial.

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