Oversubscribed round led by BMW i Ventures backs behavioral AI platform already delivering $50M+ in annual bottom-line benefits for Fortune 50 enterprises.

At a moment when consumer delinquencies are on the rise, KredosAi, an AI-powered collections platform that enhances revenue recovery by leveraging behavioral intelligence, was built to be the answer to the problem.

This problem for large enterprises is significant in scale: millions of customer accounts are past due at any given time tying up 10-15% of revenue in delinquent accounts, with annual bad debt expense at some large enterprises reaching $1B+.

Today, the company announced the close of a $7 million Series A funding round led by BMW i Ventures. The round was oversubscribed, with strong demand from both new and existing investors. Participating investors include new backers Motley Fool Ventures and Walter Ventures, alongside existing investors Okapi Venture Capital, StartFast Ventures, SaaS Ventures, and Stout Street Capital.

KredosAi’s intelligent engagement platform sits between the moment a payment is due and the moment it becomes a write-off, the critical window where most enterprises still rely on one-size-fits-all outreach that damages customer relationships without meaningfully improving payment outcomes. The platform uses behavioral science and AI to determine the right message, the right channel, and the right moment for each individual customer, replacing static campaigns with dynamic, adaptive engagement delivered at scale.

Proven at Scale with Fortune 50 Clients

The results are measurable and significant. Across its enterprise portfolio, KredosAi has demonstrated a 11.5% reduction in write-off rates, and a 13.6% increase in customer lifetime value. This is done largely by preventing accounts from ever reaching the write‑off stage, where traditional third‑party collections destroy value, translating into more than $50 million in annual bottom-line benefit for some large enterprises.

“We built KredosAi because we lived this problem from inside some of the largest enterprises in the world,” said Balaji Sridharan, CEO and Co-founder of KredosAi. “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.”

Sridharan founded KredosAi in 2021 alongside his co-founder, Dave Thoms, after witnessing the problem firsthand. Today, the company is a FICO partner, integrating AI-driven, hyper-personalized customer engagement into FICO® Platform, and serves several enterprise clients, including Anderson Brothers Bank in the financial services sector. Its platform has processed more than 200 million customer interactions over the past two years, with revenue growing more than 6x in that period.

“We were drawn to KredosAi because of the strength of the team, the company’s differentiated approach to combining behavioral economics with AI, and the clear data network effects behind the product,” said Baris Guzel, Partner at BMW i Ventures. “In an environment where enterprises are under more pressure to improve retention, we saw a compelling opportunity for a solution that can create meaningful value at scale.”

Use of Investment and Growth Plans

The Series A will fund three strategic priorities: expanding go-to-market into financial services and auto lending, accelerating product innovation - including a multi-agent framework with voice agent support, and growing the team 2x to 2.5x over the next 12 months.

As enterprises face mounting pressure to improve collections performance while preserving customer loyalty, KredosAi is poised to become the behavioral intelligence layer powering the next generation of revenue recovery.

About KredosAi

KredosAi is an intelligent engagement platform purpose-built for enterprise payment outcomes. Using behavioral science and AI, the platform helps telecom operators, auto lenders, and financial institutions optimize customer engagement at scale - reducing churn, recovering more revenue, and delivering 20x+ ROI. Founded in 2021 and headquartered in the Greater Seattle area, KredosAi has processed more than 200 million customer interactions and grown revenue more than 6x over two years. The company serves Fortune 50 enterprises across North America and is SOC 2 Type II certified with multilingual support. For more information, visit kredosai.com.

About BMW i Ventures

BMW i Ventures is the independent venture capital fund of the BMW Group, based in Silicon Valley and Munich. BMW i Ventures invests in companies that are shaping the future of the automotive industry, manufacturing, and the supply chain, focusing on physical AI, agentic AI, AI-native enterprise and industrial software. BMW i Ventures invests in startups in all phases across North America and Europe, from seed to growth stage, with an emphasis on Series A and B. Since 2011, BMW i Ventures has invested in more than 90 companies, including GaN Systems, Kodiak, Chargepoint, Xometry, Skylo, Embotech, Tekion, Rive and Synera. The firm's total capital under management is $1.1 billion.

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