We build the intelligence that moves money.
WolfIQ Solutions is the AI company behind Bernie, ApexCollect and First Position. We build agents that read behavior, act inside your rules, and hand every consequential decision back to a human.
15 years in commercial creditPatent-pending behavioral engine3 products in production
- 09:04:12Account profiled ahead of first contactread
- 09:04:18Outreach window selected from observed activityadapt
- 09:06:40Lien deadline surfaced, 9 days remainingdeadline
- 09:07:02Remittance matched to open invoiceapply
- 09:09:31Deduction claim routed with supporting documentsdispute
- 09:10:14Landing page variant published for reviewbuild
- 09:11:55Settlement drafted inside approved parametershold
- 09:12:03Sent to a human for sign-offgate
- 09:14:27Credit terms recommended for new accountdecide
- 09:16:44Renewal risk flagged on a stalling subscriptionsignal
- 09:18:10Message reviewed against compliance rulesguardrail
- 09:20:38Payment posted and account closedresolved
- 09:22:06Cash forecast updated for the weekforecast
One engine. Many agents. Your rules on top.
Every product we ship stands on the same behavioral core. That is why a lien deadline app and a collections agent feel like one company, and why a new agent takes weeks instead of a year.
- 01
Signal layer
Reads behavior out of the records you already keep: invoices, payments, messages, documents and timing. The profile exists before anyone is contacted.
- Behavioral profile
- Document intake
- Timing
- 02
Agent layer
Task-specific agents act on those signals. Each one owns a narrow job, speaks in your voice, and knows the rules of its industry.
- Outreach
- Decisioning
- Resolution
- 03
Control layer
Parameters, approval gates and a full audit trail. You decide what an agent may do alone and where it must stop.
- Parameters
- Approval gates
- Audit log
- 04
Surface layer
The screens your team works in, plus the sites, APIs and integrations that connect to the ledger, CRM and document systems you run today.
- Web app
- Website
- API
Twelve places an agent earns its keep.
Pick one and we scope it against your data in a single working session. Shipped means it is running in production today.
- 01 · ReceivablesShipped
Behavioral collections agent
Profiles every account before the first message, then runs email and SMS outreach continuously inside permitted contact windows. Channel, timing and tone adjust as the account responds.
What it replacesStatic dunning sequences and a collector working a call list from oldest to newest.
Human stays in the loop at- Any settlement or payment plan before it is offered
- Escalation to legal or outside counsel
We ship our own products first.
Nothing here is a slide. Each of these runs against real receivables, real deadlines and real money, which is where the engine got its training.
- 01Live
Bernie
Behavioral collections agentThe agent that reads a debtor before the first message and adapts every touchpoint to how they respond. Negotiates inside approved parameters and hands every settlement to a human.
- Read
- Adapt
- Control
- 02Live
ApexCollect
Commercial collections platformThe platform clients place accounts in and watch recovery from. Fifteen years of commercial collections practice is where the engine learned what actually moves a payment.
- Client portal
- Placement
- Reporting
- 03Live
First Position
Lien and statutory deadline appDeadline tracking and filing preparation for construction receivables, where a missed date costs the entire claim. Built on the same control model as everything else.
- Deadlines
- Filings
- Audit trail
Three ways in.
Start with the one that matches how much of the problem is already yours. Every path begins with the same working session against your own data.
- 01
Use a product
Place accounts with ApexCollect or run First Position. Bernie is already working inside them. Nothing to build and nothing to integrate on day one.
Best whenThe problem is receivables or lien deadlines and you want it handled now. - 02
Build a solution
We take one process from the index, scope it against your data, and ship an agent plus the screens your team works in. You own the result.
Best whenThe process is yours, repetitive, and judgment-heavy. - 03
Build on the engine
Your product, our signal and control layers underneath, through APIs and embedded surfaces. We stay on as the team that keeps the engine current.
Best whenYou are shipping software and do not want to build a behavioral layer from scratch.
Autonomy is a setting, not a promise.
Money and legal deadlines are the wrong place for a black box. Every agent we ship runs inside parameters you set, logs what it did, and stops at the gates you choose.
Read the control model- 01
Parameters you set
Discount floors, contact windows, tone, escalation limits. An agent cannot act outside them.
- 02
Approval gates
You choose which actions require a person. Settlements, filings and public copy default to gated.
- 03
Full audit trail
Every action, the signals behind it, and who approved it. Exportable for a lender, an auditor or a court.
- 04
Graduated autonomy
New agents start with everything gated and earn more room as their record holds up.
Bring us the number that keeps slipping.
Ninety minutes, your data, a scoped agent and an honest answer on whether AI is the right tool for it. If it is not, we will say so.
- You bring a sample of real data: an aging report, a deadline list, a month of messages.
- We map the process, name the decisions an agent could take, and mark where a human has to stay.
- You leave with a scoped agent, a build estimate and the gates already written down.