KredosAi, an AI-driven collections platform, closed a $7 million Series A led by BMW i Ventures to expand its AI-powered approach to overdue payments.

The funding reinforces ties with BMW i Ventures, with an eye toward opportunities in auto lending amid rising subprime delinquencies.

Funds will accelerate go-to-market, expand sales and marketing, advance product development—including multi-agent and voice agent capabilities—and support international expansion, aiming to roughly double headcount to 50+ within a year.

The platform reports measurable enterprise benefits, including an 11.5% reduction in write-offs and a 13.6% uplift in customer lifetime value, based on internal data from the past two years across more than 200 million customer interactions.

Some large clients have seen more than $50 million in annual bottom-line gains from preventing write-offs.

Founded in 2021, KredosAi focuses on optimizing communications after a bill is overdue but before it is sent to collections, using tailored messaging across text, email, RCS, and AI voice agents.

New investors Motley Fool Ventures and Walter Ventures joined existing backers Okapi Venture Capital, StartFast Ventures, SaaS Ventures, and Stout Street Capital, bringing KredosAi’s total funding to just over $10 million.

KredosAi, founded in 2021 and led by Balaji Sridharan and Dave Thoms, targets telecom operators, auto lenders, and financial institutions, delivering an ROI of over 20x according to the company.

Go-to-market efforts will focus on financial services and auto lending, alongside broader product enhancements and a multi-agent framework.

KredosAi argues most late payments stem from mundane reasons, not fraud, and emphasizes understanding customer history while avoiding sensitive signals such as age to improve outcomes.

The company, headquartered in Bellevue, Washington, with about 25 employees (roughly eight in the Seattle area), plans accelerated growth after the funding.

KredosAi serves large enterprises, including Fortune 50 companies, and integrates with the FICO Platform for credit decisions and collections.