The intelligent bridge between creditors and collection agencies
Upload debt portfolios in any format. Transform them into a standardized structure. Deliver to any agency in exactly the format they need — no custom integrations, no manual effort.
How it works
Three steps to eliminate every custom file integration in your debt handoff process.
Upload any file
Clients upload their debt portfolio files in whatever format they use — CSV, XML, fixed-width, Excel, or custom delimited formats.
Map & transform
Define transformation rules with a visual mapping editor. Fields are mapped, validated, and converted into the Coator standard XML schema.
Validate & deliver
Agency-defined business rules validate claims before import. Files are delivered via connector, API, or SFTP — in whatever format the agency needs.
Everything you need to connect the debt lifecycle
Purpose-built for the debt collection industry, with the flexibility to fit any existing workflow.
Universal input formats
Accept debt files in CSV, XML, fixed-width, JSON, Excel, and custom delimited formats. No pre-processing required.
Standard XML schema
Every file is transformed into the Coator standard XML schema — a consistent, validated structure for debt portfolio data.
Visual mapping editor
Build field mappings, apply transformations, and define validation rules with a no-code visual editor — for both inbound and outbound formats.
Agency connectors
Collection agencies connect via native connector, API, or SFTP export. Each connector supports custom business rules and a pre-delivery pipeline for data enrichment.
Flexible output formats
Agencies with their own import pipelines can use Coator to re-transform the standard file into any format they need.
Secure & compliant
Data is encrypted in transit and at rest. Audit logs, access controls, and retention policies are built in from day one.
Built for both sides of the handoff
Coator serves creditors and collection agencies equally, removing friction at every touchpoint.
For
Creditors & Clients
You handle your own debt portfolios and need to send them to one or more collection agencies. With Coator, you upload once and let the platform handle the rest.
- Upload portfolios in any file format
- Define reusable mapping rules per client or file type
- Validate data quality before handoff
- Track delivery status to agencies
- No changes to your existing export process
For
Debt Collection Agencies
You receive debt portfolios from many different creditors, each in their own format. Coator delivers them in a consistent structure — or in your own format if you prefer.
- Receive a consistent, validated standard file
- Connect via API, connector, or automated agent
- Re-transform to your own import format if needed
- Supports CSV, XML, fixed-width, and custom formats
- No more manual reformatting or rejected files
Ready to eliminate file integration headaches?
Get started with Coator today. Set up your first transformation in minutes, not months.