The invoice you sent once and never chased. ti3 picks it up and runs a 5-week recovery sequence in your business name. Email, SMS, formal Final Demand. Until your customer pays, settles, sets up a plan, disputes, or you decide to write it off. Done for you.
No card. No setup. We handle the recovery sequence, you see what comes back.
Not invoicing software. Not a collection agency. The recovery work that lives in between.
ti3 reads differently depending on whether the late invoice lands on your phone or your AR team's queue.
Late payers, ghosting clients, the email you've drafted three times this morning. Built for small-business owners who can't fire the client and won't use a collector.
See ti3 for owner-operators →Audit-ready compliance, integration into your finance stack, and predictable per-account pricing that scales. Built for AR teams who want first-party recovery without becoming third-party collectors.
See ti3 for AR teams →Most accounts settle by week four. Connects with QuickBooks, Excel, Stripe, PayPal, or paste-in.
QuickBooks 1-click, Excel, or paste-in. Two minutes.
SMS and email weekly. Compliant, audited, brand-safe.
Pay, settle, plan, or dispute. No login, no friction.
Direct to your Stripe or PayPal. ti3 never holds funds.
Stubborn accounts get the firm last word. Cites FDCPA and the 1099-C write-off path. More on Final Demand Notice.
Unresolved cases tracked for hand-off. Send to a collector, send to legal, or write off. One-click hand-off package included.
SMS and email reminders go out from your business identity. Your debtor sees a professional reminder from a business they recognize, not a collector. The two channels work together: SMS reaches accounts that have stopped opening email, and email carries the longer-form context when the relationship needs it.
Each touchpoint opens an option for the debtor: pay in full, settle for less, build a plan, or dispute. Specific offers get easier; avoidance gets harder. Most accounts settle by week four. You approve any exception in one click.
Payments go straight to your Stripe or PayPal account. ti3 never holds debtor funds and never takes a percentage of what's recovered. Your name stays on every message and your account on every payment.
Five touches across five weeks, in your name, without you sending any of them. Persistence is the variable that matters most. You can't sustain it. We can.
Settlement offers, payment plans, instant discounts, counter-offers. The debtor picks a path forward instead of avoiding a single ask. Most overdue debt is avoidance, not refusal.
By week four, debtors have started filtering your emails. They haven't filtered their texts. SMS reaches accounts that have stopped opening email, and a payment link they can tap from the phone they're already holding removes the next bit of friction.
No login, no signup, no shame language, no third-party collector identity. Your relationship survives the recovery, which is the whole reason you didn't send them to a collector.
When the sequence ends without full resolution, Case Resolution tracks the file and gives you a one-click hand-off package for a collector, attorney, or write-off. Stubborn accounts can also receive a Final Demand Notice as the firm last word.
Two numbers, no card, no signup. We will show you the dollar range, the typical timeline, and what your customers would actually receive at each step.
We are running free 5-week recovery pilots with US small businesses through Q3 2026. Real names, real recovery numbers, no anonymised stand-ins. Want to be one of them? Send us your overdues and we will run them at no cost while you get the next case study slot.
Send us your overdues →Built by Captira Analytical. 20+ years working on the unpaid-invoice problem with customers.
No card, no signup, no calendar booking. Just send the amount and how long it has been overdue. Justin replies personally with a specific recovery plan within one business day.
Check your inbox. You will get a specific recovery plan written for the invoice you described.
ti3.co is built by Captira Analytical. For over two decades we've built software for businesses across the US. Across customers, one pattern kept coming up: unpaid invoices, old debt, the operational stress of chasing payments. The problem was common. The dollars were large. Existing options didn't really solve it.
So we built a solution that helped all our customers at the same time. ti3.co is that solution, refined over years and available now for any business with the same problem.
No commitment, no signup, no sales call. Within 48 hours you'll get a written estimate of recoverable balance, expected timeline, and which accounts are likely to settle first.
Show me what's recoverable →Or try the software free with up to 10 overdue invoices for one full 5-week cycle.