AI-powered collections platform KredosAi has raised $7 million in Series A funding to accelerate product development, expand into new financial markets, and grow its enterprise team.

The round was led by BMW i Ventures and was oversubscribed, with participation from Motley Fool Ventures, Walter Ventures, Okapi Venture Capital, StartFast Ventures, SaaS Ventures, and Stout Street Capital.

Founded in 2021, KredosAi helps enterprises recover more revenue by combining behavioral science and artificial intelligence to personalize customer payment engagement. The company primarily serves telecom providers, financial institutions, and auto lenders across North America.

Funding Snapshot

Company: KredosAi
Headquarters: Greater Seattle, Washington, United States
Founded: 2021
Industry: FinTech / AI Collections / Revenue Recovery
Funding: $7M
Round: Series A
Lead Investor: BMW i Ventures
Participating Investors: Motley Fool Ventures, Walter Ventures, Okapi Venture Capital, StartFast Ventures, SaaS Ventures, Stout Street Capital

See KredosAi full profile on Raisedly ➔

What KredosAi Does

KredosAi develops an AI-powered engagement platform that helps enterprises recover overdue payments before accounts become charge-offs.

Using behavioral intelligence, the platform determines the right communication channel, message, and timing for each customer, replacing traditional one-size-fits-all collections with personalized engagement that improves repayment while preserving customer relationships.

The platform is designed for:

Financial institutions
Auto lenders
Telecommunications companies
Enterprise collections teams

Why It Matters

Consumer delinquency rates continue to rise, increasing pressure on enterprises to recover revenue without damaging customer loyalty.

KredosAi addresses this challenge by applying AI and behavioral science to optimize payment recovery during the critical period between missed payments and write-offs.

According to the company, enterprise customers have achieved:

11.5% reduction in write-off rates
13.6% increase in customer lifetime value
More than $50 million in annual financial benefits for some large enterprises

Company Traction

Since its launch, KredosAi has:

Processed 200+ million customer interactions
Increased revenue by more than 6× over the past two years
Partnered with FICO to integrate AI-powered engagement into the FICO Platform
Expanded its customer base across Fortune 50 enterprises in North America

Use of Proceeds

The KredosAi Series A new funding will support:

Expansion into financial services and auto lending
Development of new AI capabilities, including multi-agent workflows and voice agents
Doubling the company's workforce over the next 12 months

As enterprises increasingly look for AI solutions that improve revenue recovery while maintaining customer trust, KredosAi is positioning itself as the behavioral intelligence layer powering next-generation collections.