Welcome to debt CO-PILOT

Risk-Free Recovery.

Smart Support.

Zero Upfront Cost.

The Only Debt Recovery Tool That’s 100% Free Until You Get Paid.

Recover what your business is owed risk-free with Debt Co-Pilot

Debt Co-Pilot is your AI-optimised, innovative, supportive, and risk-free solution for recovering overdue business payments. Debt Co-Pilot technology is always in your corner, never in your way!


Giving you the power to act confidently, without cost until you recover  what is owed.

To make business debt recovery stress-free, accessible, and fair by empowering every business owner with a guided, no-risk path to reclaiming what they’re owed.

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Nathan JAMES

Debt Co-Pilot Co-Founding Member

Recover what you’re owed

How Debt Co-Pilot Works?

Think of Debt Co-Pilot as your expert guide in the journey to recover what you’re owed, always by your side, but never in your way.


Debt Co-Pilot takes the stress, uncertainty, and upfront cost out of debt recovery with a simple-to-use, intelligent system that supports you from start to finish. Whether you’re chasing one unpaid invoice or managing aged debt across your business, Debt Co-Pilot gives you the confidence and tools to act, without needing to be an expert.


Debt Co-Pilot's built-in, debt-specific technology is an innovative, supportive solution that automates and aids in recovering overdue payments, risk-free. Aiding automation is AI-optimised technologies that provide you with instant visibility into your aged debt and guide you step-by-step through the process, eliminating legal jargon and upfront costs.


With an 86% success rate in helping businesses recover what they’re owed, Debt Co-Pilot empowers you to improve cash flow confidently and effectively, and you only pay when we help you collect.



Your Journey to Recovery Starts Here.

Create Your Free Account

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Sign up in minutes. It’s free to get started, with no subscription or hidden charges.

Upload Your Debtor Details 

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Upload the invoice(s) for the business or individual that owes you money. Debt Co-Pilot will generate all the necessary documents and request that you upload any additional relevant documentation.

Launch Your

Co-Pilot Workflow

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Debt Co-Pilot will guide you through a tailored recovery journey with helpful prompts, templates, and built-in automation.

Use the RFR™  Pre-LBA System (Risk Free Recovery)

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Engage the debtor with a professional, non-aggressive approach that protects relationships and encourages payment before legal escalation.

Escalate Legally if Needed

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Receive friendly, jargon-free advice, timely nudges and access to your data and success dashboard as you progress. You’re never alone in the process, Debt Co-Pilot is on your side.

Only Pay on Results

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You don’t pay a penny until we help you recover your money. No risk. No commitment. Just results.

Debt Co-Pilot streamlines the collection of overdue debt for businesses

Enhanced Features to Optimise Debt Collection.

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Track Debts Easily

Keep tabs on outstanding amounts, due dates, and payment statuses in one centralised dashboard.

Effortless Communication

Communicate with debtors directly through the platform, streamlining the collection process.

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Automated Generation

Using AI-driven automation, Debt Co-Pilot® generates standard legal documents like demand letters and court filings, resolving up to 86% of debt successfully.

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Conflict of Interest Checks

Conduct automated scans to identify potential conflicts of interest across clients and cases.

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Customisable Billing

Flexible billing options to suit your needs, whether you're a company managing debts, a lawyer providing debt collection, or an accountant supporting clients.

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AI Insights

Utilise Debt Co-Pilot® AI to analyse communication patterns, predict recovery rates, and identify potential legal challenges.

Pricing That Puts You in Control

 No upfront fees. No subscriptions. No risk.

Debt Co-Pilot is 100% free to use.  You only pay when we help you successfully recover your money.

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Unlimited account access.

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Add & manage multiple debts.

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Instant insights into your aged debt.

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Access to RFR™ (Risk Free Recovery) workflow.

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AI generated letters & automated nudges.

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Full support & step-by-step guidance.

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Direct access to UK wide legal support.

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Legal-ready escalation tools.

What You Pay 

When Debt Co-Pilot Recovers

Recovery Fee: Simple. Transparent. Performance-Based.


With Debt Co-Pilot, there’s nothing to lose and everything to gain. You only pay a recovery fee if and when we help you successfully collect the money owed. That means we’re fully aligned with your success.


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No Collection No Cost

If Debt Co-Pilot does not help you recover, you don’t pay. It’s that simple.

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No Upfront Charges

Use the full platform and recovery workflows without paying a penny upfront.

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Clear Fixed Terms

*Our fees are fixed and clearly outlined before escalation begins, no surprises or hidden costs.

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Always in Control  & Informed

You choose when (or if) to escalate. You’ll always see what the cost will be before you commit.

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Legal Escalation, on Your Terms

If your recovery journey reaches the legal stage, you'll access law firms across the UK directly from Debt Co-pilot.

*Typical Fee Range:  Most successful recoveries involve a success fee between 10% and 15% of the amount collected, depending on the debt size, type, and recovery path taken.




Frequently Asked Questions

Everything you need to know about the product and billing.

  • Is Debt Co-Pilot really free to use?

    Yes - 100% free to use. You can sign up, add your debts, use our guided workflows, and even issue pre-LBA notices without paying anything upfront. You only pay a fee if we successfully help you recover your money.

  • What happens if I don’t recover the debt?

    You pay nothing. Our model is risk-free. If the debt isn’t recovered, there’s no charge - no matter how far along the process you’ve gone.

  • What is the Risk Free Recovery (RFR™) process?

    RFR™ is our smart, pre-LBA (Letter Before Action) workflow. It’s designed to nudge debtors toward payment without damaging business relationships. You stay in control while we guide the recovery with professionalism and pressure-free escalation.

  • Do I need legal experience to use the platform?

    Not at all. Debt Co-Pilot was built to be easy for anyone to use — no legal background required. We guide you step-by-step in plain language with helpful prompts and templates.


  • Can I use Debt Co-Pilot for multiple debts or clients?

    Yes - manage as many debts as you like.

    There’s no limit to how many debtors you can add. Whether it’s one overdue invoice or a long list of unpaid accounts, we’ve got you covered.

  • What types of debts can you help collect?

    We specialise in various types of debts, including consumer debts, business debts, and more. Our flexible approach allows us to tailor our services to your specific needs.

  • How much do I pay if the debt is recovered?

    Only a success-based recovery fee. This is typically between 10–15% of the recovered amount, depending on the debt and escalation path. You’ll always see the exact fee before committing to any escalation.

  • Will this damage my relationship with the client who owes me money?

    Our goal is to preserve relationships, not burn them. The RFR™ process is professional, respectful, and designed to maintain goodwill while prompting payment. You control the tone, timing, and approach at every step.

  • How long does it take to recover a debt?

    It depends on the debtor and your chosen recovery route. Many recoveries happen within 7–21 days using RFR™, especially when professional communication is introduced early. If legal steps are required, timelines can vary, but we guide you throughout.

  • How do I get started?

    Getting started is easy! Register your interest, and we will provide you with helpful information and early access. Our team will guide you through the setup process to begin optimising your debt collection.

  • Is my data safe with Debt Co-Pilot?

    Absolutely! We place the highest priority on data security and adhere to all relevant regulations, including industry standards and best practices, to ensure your information is fully protected. 


    Our systems are hosted within AWS environments, renowned for their military-grade security and compliance with global data protection standards. All data processing is conducted securely, with encryption in transit and at rest, and robust access controls to safeguard your sensitive information. 


    Our mission is to empower businesses to thrive by providing reliable, secure, and innovative solutions that drive financial stability, resilience, and long-term success.

  • How does AI improve debt collection?

    Our AI technology analyses data to optimise collection strategies, ensuring you reach customers at the right time with the right message and collection strategy.

  • How do I get started?

    Hit the sign-up button to launch your Debt Co-Pilot environment.

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We are working hard to get things ready for you.

Debt Co-Pilot® is in the final stages of development and will be launched shortly. Sign up below to express your interest for early access, receive status updates, and get helpful emails tailored to your business debt collection requirements.

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