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Debt Collections Startups

Updated July 2026

Companies in the debt collections sector developing innovative solutions and technologies.

Explore 45 recently funded debt collections companies with verified founder contact information and fundraising data.

Total Companies
45
Total Funding
$705.3M
Avg Funding
$28.2M
Global Reach
10
countries

Top Cities for Debt Collections

San Francisco
Radnor
New York
Blackpool
Groningen
Auckland

Recently Funded Companies

Export
San Francisco, United States

Level is a fintech financing platform that buys loans from fintech startups helping them gain access to capital to scale faster.

$2.2M raised
Sep 2021

Founder Contacts

30,000+ verified contacts

Radnor, United States

JG Wentworth is a financial services company that focuses on helping consumers who are experiencing financial hardship.

$300.0M raised
Sep 2025

Founder Contacts

30,000+ verified contacts

New York, United States

Domu AI is an IT System Custom Software Development firm that helps financial firm through AI-powered voice bot for Debt collection.

$500K raised
Sep 2024

Founder Contacts

30,000+ verified contacts

Blackpool, United Kingdom

Perch Group is a credit and asset management company that offers debt purchase and debt collection services.

$111.5M raised
Sep 2023

Founder Contacts

30,000+ verified contacts

Groningen, The Netherlands

Payt is a cloud software company for debtor management and collection.

$59.7M raised
Jul 2024

Founder Contacts

30,000+ verified contacts

Auckland, New Zealand

Money Sweetspot is a rewarding new way that offers financing options and financial services to imperfect humans.

$3.0M raised
Jul 2024

Founder Contacts

30,000+ verified contacts

São Paulo, Brazil

Quero Quitar is a marketplace of debt negotiating

Jul 2023

Founder Contacts

30,000+ verified contacts

Lenexa, United States

TrueAccord uses behavioral analytics, machine learning and an omni-channel digital approach to collections.

$49.1M raised
Jun 2022

Founder Contacts

30,000+ verified contacts

Edinburgh, United Kingdom

Award-winning AI solutions to transform financial services productivity and compliance

Jun 2026

Founder Contacts

30,000+ verified contacts

New York, United States

Cosmos is an AI agent company powering compliant, intelligent, and omni-channel communications for lenders and collections teams.

$150K raised
Jun 2025

Founder Contacts

30,000+ verified contacts

Stockholm, Sweden

SBP Kredit provides secured real estate financing and manages an alternative investment fund focused on property credit.

$80.6M raised
May 2026

Founder Contacts

30,000+ verified contacts

Washington, United States

A unique student loan wellness platform that uses financial technology to help employees understand, optimize, and repay their student debt.

May 2023

Founder Contacts

30,000+ verified contacts

Paris, France

Rubypayeur is a digital firm specializing in debt collection.

$435K raised
Apr 2022

Founder Contacts

30,000+ verified contacts

São Paulo, Brazil

Fintalk is an AI startup focused on Human Interaction for large corporations, reducing human need on call centers, field services and beyond

$1.1M raised
Apr 2025

Founder Contacts

30,000+ verified contacts

Toronto, Canada

Next Edge Capital is a biotechnology impact investing company that provides asset management services.

$50.0M raised
Apr 2022

Founder Contacts

30,000+ verified contacts

Lublin, Poland

Software for optimalization of creditor's business activity.

$270K raised
Apr 2022

Founder Contacts

30,000+ verified contacts

Salt Lake City, United States

Artificial Intelligence

$1.0M raised
Apr 2025

Founder Contacts

30,000+ verified contacts

São Paulo, Brazil

Sofi is an AI collections platform that automates debt recovery with virtual agents, predictive data, and smart negotiation flows.

Mar 2025

Founder Contacts

30,000+ verified contacts

Chicago, United States

ChangEd is a mobile app that helps pay down student loans by using spare change from everyday purchases to make additional payments.

Mar 2024

Founder Contacts

30,000+ verified contacts

Sheridan, United States

Moonflow is a debt collection on Autopilot.

$1.6M raised
Mar 2026

Founder Contacts

30,000+ verified contacts

Montréal, Canada

Removing friction from collections by offering the most customer-centric software-as-a-service to world-class companies.

Feb 2022

Founder Contacts

30,000+ verified contacts

Oakland, United States

Promise streamlines government payments and benefits with secure technology.

$25.0M raised
Feb 2022

Founder Contacts

30,000+ verified contacts

Mission Viejo, United States

Ava Financial is a mobile app-based credit-building platform that offers financial tools for credit and savings.

$15.5M raised
Oct 2025

Founder Contacts

30,000+ verified contacts

Redwood City, United States

Apriority Financial is a debt optimization platform that manages and optimizes employee personal debt.

$2.3M raised
Oct 2025

Founder Contacts

30,000+ verified contacts

Roppongi, Japan

AccordX is a fintech company that offers digital billing services that automate and streamline billing and recovery.

$1.4M raised
Jul 2025

Founder Contacts

30,000+ verified contacts

Showing 1 to 25 of 45 companies

About the Debt Collections Startup Ecosystem

The debt collections sector is an active area of startup innovation and venture capital investment. Companies in this space are developing new technologies, platforms, and services that address evolving market needs and create new business opportunities.

Funding Trends in Debt Collections

Debt Collections companies raise capital across various funding stages, from early seed rounds to late-stage growth financing. Investor interest in this sector is driven by the size of the addressable market, the pace of technology adoption, and the potential for scalable business models.

Growth Outlook

The debt collections sector is expected to continue evolving as technology advances, market dynamics shift, and new opportunities emerge. Companies that demonstrate strong product-market fit, efficient growth, and clear competitive advantages are well-positioned to attract continued investment.

Debt Collections Funding Breakdown

Here is how funding is distributed among the 45 debt collections companies tracked in the VCBacked database.

Average Funding
$28.2M
Total Funding Tracked
$705.3M
Countries Represented
10

Distribution by Funding Stage

Other25 companies

Top Cities for Debt Collections

1.São Paulo
3 companies$1.1M
2.New York
2 companies$650K
3.San Francisco
1 companies$2.2M
4.Radnor
1 companies$300.0M
5.Blackpool
1 companies$111.5M

Related Industries

Companies in the debt collections sector often overlap with or complement businesses in adjacent industries. Exploring related verticals can help you discover additional companies, identify partnership opportunities, and understand the broader competitive landscape.

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45 Debt Collections Startups (2026) — Recently Funded Companies, Investors & Rounds | VCBacked