KredosAI, a rising startup building AI-driven infrastructure to streamline B2B collections, has announced the close of an undisclosed seed funding round. The raise was backed by a strong syndicate including Okapi Ventures, StartFast Ventures, SeaChange Fund, Early Light Ventures, Stout Street Capital, and SaaS Ventures. The company is led by CEO and co-founder Balaji Sridharan, whose background spans enterprise finance, SaaS operations, and behavioral AI.

KredosAI's mission is clear: make “more payments, sooner” a predictable outcome rather than an eternal finance team aspiration. By using behavioral intelligence to anticipate when and how customers pay, the platform automates dunning strategies, reduces days sales outstanding (DSO), and improves collection efficiency - without harming customer relationships.

The company is positioning itself as a transformative solution for CFOs and AR (accounts receivable) teams dealing with increasing collection complexities, especially in multi-currency, multi-entity B2B environments.

Why B2B Collections Needs a Rethink

While sales, CRM, and even payroll have seen waves of SaaS innovation, collections - the heartbeat of business cash flow - remains alarmingly manual. Most AR teams rely on generic reminder emails, spreadsheets, and disconnected data pipelines to manage millions in receivables. This not only causes friction but costs enterprises real dollars in delayed payments and resource waste.

KredosAI attacks this problem by building intelligent, personalized workflows based on historical behavior, intent prediction, and customer communication patterns. The result is a platform that doesn’t just chase invoices - it optimizes timing, tone, and escalation tactics to improve collection outcomes.

What sets the platform apart is its ability to personalize collection strategies by analyzing behavioral signals across multiple dimensions: historical responsiveness, payment history, open dispute trends, even email engagement patterns. From there, it builds smart, human-like cadences that adapt based on real-time feedback.

Embedded Intelligence Where It Hurts Most

The team at KredosAI didn’t just bolt AI onto finance software - they built around the crux of the pain: the blind spot between ERP data and customer psychology. Collections isn’t about accounting - it’s about human incentives. And KredosAI makes that tension visible.

This is exactly where the startup's strength shines. Instead of throwing more dashboards at the problem, KredosAI focused on making the action loop tight: when should you follow up, how should you phrase it, and when should you escalate? Automating these decisions with AI enables leaner AR teams and fewer awkward customer exchanges.

Now here’s where it gets founder-worthy: the most powerful software isn't the one that scales tasks - it’s the one that prevents them altogether. KredosAI's model isn’t just to accelerate collections - it’s to displace the need for them. Their goal is predictive alignment: knowing who to remind, how much to nudge, and when to escalate so precisely that collections become a background function.

This level of behavioral automation isn’t flashy, but it’s profoundly sticky. Once a finance team starts seeing a consistent drop in DSO or hearing fewer complaints from sales about “payment drama,” they don’t churn - they champion. That kind of bottom-up loyalty is how B2B software earns permanence.

From Seed to Scale: What’s Ahead

With the fresh capital, KredosAI will expand product capabilities across three key axes:

• Deeper ERP integrations: Plug-and-play modules with NetSuite, QuickBooks, SAP, and Microsoft Dynamics to support seamless data ingestion and action automation.
  
• International support: Enhancing multi-language and multi-currency workflows to support global enterprises with distributed finance operations.
  
• Risk scoring: Introducing credit-aware payment behavior models to identify high-risk payors and dynamically adapt collections strategies.
  

The company will also scale its go-to-market engine, focusing on mid-market SaaS and services companies that typically lack dedicated collections teams but manage high invoice volumes. For these firms, KredosAI offers a way to get paid faster without investing in additional headcount.

Early users report a 25-40% improvement in DSO within the first quarter of usage, along with higher customer satisfaction due to personalized communication.

Founder Vision and Market Momentum

Balaji Sridharan brings deep domain expertise to the challenge. Before founding KredosAI, he held finance leadership roles at enterprise SaaS companies and saw firsthand how much time was wasted chasing invoices that should have closed themselves. His insight: the payment problem wasn’t operational - it was informational.

That belief shaped KredosAI’s architecture from day one. Rather than chase broader fintech hype, Sridharan chose the most unsexy, costly, and essential bottleneck: collections. And in solving it with rigor, his team unlocked a wedge into the finance stack that few others dared approach.

Investors share the conviction. Okapi Ventures and SaaS Ventures highlighted KredosAI’s potential to become foundational infrastructure - not just for finance teams, but for enterprise liquidity as a whole. With rising interest rates and cashflow sensitivity returning to board-level agendas, software that improves payment velocity is no longer optional.

Building the Next Standard in Enterprise Cashflow

As digital transformation redefines every part of the back office, collections remains one of the last frontiers of automation. KredosAI’s behavioral-first approach enables not just better collections, but healthier business relationships - by respecting the nuance of timing, communication, and intent.

With this seed round, the company is well-positioned to scale into a category-defining player. By shifting collections from a reactive, high-friction process into a predictive, self-optimizing one, KredosAI is not just helping companies get paid. It’s helping them grow with confidence.