Reads the history first
Before writing, LoanWick refreshes the lead’s available Bonzo text history, including messages sent outside LoanWick, plus CRM notes, pipeline stage and the assigned officer’s settings.
Bonzo AI text follow-up
Bonzo starts the conversation. LoanWick keeps it going.
Quick answer: LoanWick is an AI texting assistant that works inside your existing Bonzo account, and this connection is live today. When a lead replies, it reads the Bonzo history and your instructions, answers with a useful next question and helps book a call. It stops on opt-outs and steps back when you text.
Bonzo is good at sending the first text and the next campaign step. The hard part is the reply. A borrower writes back while you are with a client, and someone has to answer with something useful. LoanWick is an AI texting assistant that works inside your existing Bonzo account. It answers that reply, follows up when a lead goes quiet, and helps book a call with you.
LoanWick is an independent product that connects to your Bonzo account. It is not made, sponsored or endorsed by Bonzo.
Where Bonzo follow-up usually stalls
Bonzo campaigns can send texts, emails, voicemails and videos on a schedule, and a campaign can stop when the prospect replies. Stopping is the right behavior. But once the campaign stops, the conversation waits for a person. If you are in a closing, on another call or asleep, the lead who just raised a hand waits too.
That gap is the speed-to-lead problem. A borrower who asks a question is most engaged right then. A reply hours later often reaches someone who has already talked to another lender or lost interest. LoanWick is built for that moment: the next text after the lead writes back, not just the first one.
What LoanWick does inside Bonzo
Replies by text
Inbound replies come first. LoanWick drafts an answer from that context and your instructions, and sends it through Bonzo only if every check passes.
Follows up quiet leads
In the stages you enable, it can reopen conversations that went quiet, after checking holds, opt-outs and sending limits.
Helps book the call
When a lead is ready, it offers times from your configured availability and shares your booking link. Outside calendar busy times are not synced.
Records the outcome
Appointment details can be added to Bonzo as an internal note, with the stage move you choose. Sends, skips and failures are logged in LoanWick.
Steps back for you
When you text the lead yourself, LoanWick stops overlapping automation. A reply delay gives you the first chance to answer.
The checks before every text
| Check | What LoanWick does | What you still own |
|---|---|---|
| Opt-outs | STOP, unsubscribe and remove-me replies end future assistant texts and cancel scheduled follow-up | Having consent to text each lead in the first place |
| Texting hours | Sends only inside the lead’s local window you set, within the federal 8 AM–9 PM limit and supported state rules | Choosing a window that fits your compliance program |
| Sending limits | Applies LoanWick’s sending limits and holds so quiet leads are not flooded | Choosing which leads and stages are eligible |
| Stage permission | Follows each stage’s mode: Proactive (follow up), Reactive (reply only), Pipeline-only (never text) or excluded | Reviewing every stage before activation |
| Human activity | Holds back when an officer recently texted the lead | Pausing the assistant when you take over |
These controls support your TCPA and state compliance program. They are not legal advice or a guarantee, and you remain responsible for your configuration.
A fictional Bonzo reply
ContextA refinance lead got a Bonzo campaign text last week. Notes say they want a lower payment. The campaign stopped when they replied.
BorrowerSorry, been slammed. Is it still worth looking at?
AssistantNo problem. It depends on your current loan, and your loan officer can walk you through it. Would a quick call Thursday afternoon or Friday morning work?
Illustrative, fictional conversation. Not a customer transcript, a promised model response or lending advice.
Set up on Bonzo in a controlled order
Texting is the core product. AI calling is built and rolling out seat by seat after voice setup and consent confirmation; it is not live for every workspace. Plans are monthly by tier and lead volume, include every loan officer, and do not charge per seat. Your Bonzo subscription is separate.
Connect Bonzo
An administrator adds the company’s Bonzo connection. LoanWick validates it and loads your pipelines and stages.
Link each loan officer
Each officer connects their Bonzo seat and adds their name, NMLS, booking link and reply head-start window.
Choose stages
Decide where the assistant may follow up, where it may only reply, and where it must not text.
Set tone and booking
Name the assistant, pick a tone profile, add standing instructions, and set availability and days off.
Test with fictional leads
Run simulated conversations in the private demo. No real SMS is sent.
Get activation approved
Live outreach stays off until activation is approved. Start small, read the conversations, then expand.
Questions before you choose
Bonzo AI text follow-up: common questions.
Does LoanWick work with Bonzo today?
Yes. LoanWick connects to your Bonzo account, reads available lead history, notes and pipeline stages, and sends texts through Bonzo. Your leads and conversations stay in Bonzo.
How is LoanWick different from Bonzo Spark?
Bonzo’s help center describes Spark as a way to generate campaigns and event messages. LoanWick handles a different job: the live two-way text conversation after a lead writes back, plus follow-up and booking.
Will LoanWick start texting my Bonzo leads right away?
No. Creating a workspace starts setup, not outreach. You connect Bonzo, configure stages and settings, test with fictional leads, and live outreach stays off until activation is approved.
Does it respect TCPA texting hours and opt-outs?
It sends only inside the lead’s local window you configure, within the federal 8 AM–9 PM limit and supported state rules, and an explicit STOP or unsubscribe ends assistant texts. You remain responsible for consent and your configuration.
What happens when I text a Bonzo lead myself?
LoanWick steps back. A recent officer message suppresses overlapping automation, and a configurable reply delay gives you the first chance to answer new replies.
Can LoanWick call my Bonzo leads?
Texting is the core product. AI calling is rolling out and turns on for an officer only after voice setup and consent confirmation. Check the calling page before planning a voice workflow.
Sources and review scope
First-party descriptions checked October 11, 2026. Capabilities, prices, and availability can change. Confirm required workflows directly with each provider.