Murphy raises $15m to disrupt debt servicing with AI

July 14, 2025

AI-powered debt servicing platform Murphy has emerged from stealth with a combined $15m in pre-seed and seed funding.

The round was led by Northzone and included contributions from ElevenLabs, Lakestar, Seedcamp, and other existing investors. The capital will support Murphy’s rapid expansion across Europe and the US.

Murphy aims to overhaul the debt servicing sector, which has long relied on outdated systems such as manual call centres and broad-brush engagement tactics. These legacy practices have often led to poor recovery rates and high operational costs. The company’s platform replaces these with fully autonomous AI agents capable of personalised, multilingual channels.

By integrating advanced AI voice technology, omnichannel outreach, and behavioural personalisation, Murphy provides a compliant, scalable alternative for enterprises and debt collection agencies (DCAs) managing non-performing loans. The platform supports 24/7 communication in more than 30 languages.

Murphy CEO and co-founder Borja Sole said, “We’re building AI-native infrastructure that replaces traditional call centers with a scalable, multilingual solution. It helps companies recover more, faster, and more cost-efficiently, while staying compliant and treating debtors with respect.”

The technology has already gained traction with leading banks, telecom operators, utilities, and mobility firms across Europe.

Northzone partner Jeppe Zink said, “Debt servicing is a $300+ billion global industry that is ripe for disruption. After reviewing countless verticals, this stood out as a space where AI can make a major impact. Given their experience and relentless development speed, Borja and his team are uniquely positioned to transform this space.”