KredosAi, an AI-driven collections platform that boosts revenue recovery through behavioural intelligence, has completed a $7m Series A round.
The oversubscribed raise was spearheaded by BMW i Ventures and attracted strong interest from both fresh and returning backers. New investors Motley Fool Ventures and Walter Ventures joined the round, while existing shareholders Okapi Venture Capital, StartFast Ventures, SaaS Ventures and Stout Street Capital also participated.
The capital will be channelled into three key areas. These include broadening the firm’s go-to-market push into financial services and auto lending, speeding up product development, notably a multi-agent framework featuring voice agent capabilities, and doubling or more the size of its workforce over the coming year.
The challenge KredosAi tackles is substantial for large corporations. At any moment, millions of customer accounts sit past due, locking up between 10% and 15% of revenue in delinquent balances, while annual bad debt costs at some big enterprises can exceed $1bn, it said.
KredosAi’s engagement technology operates in the window between a payment falling due and it being written off, a stage where most organisations still deploy uniform outreach that harms customer relationships without materially lifting repayment rates. By combining behavioural science with AI, the system identifies the most suitable message, channel and timing for every individual customer, swapping static campaigns for adaptive engagement at scale.
The firm claims measurable outcomes across its enterprise client base, including an 11.5% drop in write-off rates and a 13.6% uplift in customer lifetime value. Much of this comes from stopping accounts reaching the write-off stage, where conventional third-party collections erode value, equating to over $50m in annual bottom-line gains for certain large clients.
Founded in 2021 by Balaji Sridharan and Dave Thoms, KredosAi is an intelligent engagement platform designed for enterprise payment outcomes. Headquartered in the Greater Seattle area, the company supports telecom operators, auto lenders and financial institutions in optimising customer engagement, cutting churn and recovering more revenue, and says it delivers ROI of over 20x.
KredosAi CEO and co-founder Balaji Sridharan said, “We built KredosAi because we lived this problem from inside some of the largest enterprises in the world.
“Even companies that invest heavily in customer loyalty abandon that standard the moment a payment is late. The legacy approach, the same message, the same channel, sent to millions of people, does little to solve the problem and a lot to damage the relationship.”
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