# Credit isn’t finished when the money is sent.

Canonical page: https://finanzer.ai/platform/servicing-and-recovery

> Finanzer’s servicing design follows the obligation through repayment, exceptions and recovery. Each case keeps its original terms, evidence and responsible owner.

Finanzer’s servicing design follows the obligation through repayment, exceptions and recovery. Each case keeps its original terms, evidence and responsible owner.

## Recognise the problem before choosing the response.

A missing payment may reflect an administrative delay, financial stress, a dispute or fraud. Investigate the cause using the payment and credit records.

## Keep the path to resolution visible.

Routine tasks can be automated. Changes to terms, workouts and enforcement require the relevant authority.

### Monitor

Track payment obligations, receipts and covenant signals.

### Detect

Identify the exception and request the missing evidence.

### Cure

Resolve administrative problems and reconcile payments.

### Restructure

Record a human-approved workout under the facility’s terms.

### Claim

Follow any applicable protection process and evidence requirements.

### Recover

Coordinate collections, collateral, legal action and recoveries.

## A claim needs a contract and funded resources.

Eligibility, coverage, exclusions and payment timing define a claim. Recoveries must be recorded and allocated under the agreed waterfall.

[Understand FZR protection](https://finanzer.ai/fzr)

## Risk & Recovery questions

### Is every missed payment a loss?

No. The case needs investigation. Payment allocation errors, disputes and timing differences may need a different response from a default.

## Plan the response before a payment is missed.

Discuss your servicing responsibilities, escalation rules and recovery arrangements.

[Discuss servicing](https://finanzer.ai/contact?topic=Servicing%20discussion#enquiry)

[How Finanzer works](https://finanzer.ai/platform)