With the auto-finance market among its targets, KredosAi, an artificial intelligence-powered collections platform that enhances revenue recovery by leveraging behavioral intelligence, recently announced the close of a $7 million Series A funding round led by BMW i Ventures.

According to a news release, the round was oversubscribed, with strong demand from both new and existing investors.

Participating investors included new backers Motley Fool Ventures and Walter Ventures, alongside existing investors Okapi Venture Capital, StartFast Ventures, SaaS Ventures, and Stout Street Capital.

Here’s likely part of the reason why those investors sent resources to KredosAi.

Founded in 2021 and headquartered in Seattle, KredosAi has processed more than 200 million customer interactions and grown revenue more than six times over during the past two years.

KredosAi’s intelligent engagement platform sits between the moment a payment is due and the point it becomes a write-off, the critical window where the company said most enterprises still rely on “one-size-fits-all outreach that can damage 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.

Across its enterprise portfolio, KredosAi said it has generated a 11.5% reduction in write-off rates, and a 13.6% increase in customer lifetime value. The company said this accomplishment was done largely by preventing accounts from ever reaching the write‑off stage.

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

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

—Growing the team by at least two times the current level over the next 12 months

“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.”