Personalized,
AI-native debt
collection.
Built ground-up for digital lenders and microfinance institutions — the markets the legacy industry abandoned because they were too small to bother with.
Every late payment has its own reason.
Group-level collection strategies. One size fits many.
AI-driven, individual-level strategies.
Each borrower's behavior, payment history, and channel preferences shape a personalized collection strategy — one that adapts in real time as they engage.
Small-ticket commercial credit. Structurally unattractive until now.
Legacy agencies refuse the segment — per-account servicing cost breaks the math. AI-collections vendors point at consumer. We sit in the gap.
Digital lenders
$5K ─ $50KMicrofinance
$50 ─ $1KEmbedded credit
$1K ─ $20K
A universal pattern.
Validated ten
independent ways.
Operators across consumer collections, B2B credit insurance, Nordic SMB lending, and African microfinance. Different geographies. Different products. This pattern emerged.
Small ticket → automate.
Large ticket → human.
Ten of ten. Universal across consumer, commercial, microfinance.
Personalization beats aggression.
Empathy plus reasonable payment plans recover more than escalation.
WhatsApp + SMS + Email beats voice.
Voice is low-throughput. Borrowers self-serve when given a payment link.
Lenders buy. They don't build.
Every operator: external partners only. Pilot, then integrate.
Don't sell to debt collectors. Replace them.
Squeezed margins, long cycles, dying category. Better to take the seat than supply it.
Fintechs + MFIs are the buyers.
Banks too slow. The wedge is the next layer down.
ASA
Group.
LSE-listed microfinance group across 13 countries — one of the largest providers in Africa. Group-lending model, predominantly female micro-entrepreneur borrowers.
We have hundreds of people just sending SMS and making calls all day — I want to give it a try.
Group CFO · ASA Group · May 2026
Mehdi & Andy.
Met at the villa. Started looking into healthtech. Ended up in debt collection.
Ex-professional footballer. MSc at SSE. Incoming analyst at McKinsey.
Ex-founder. MSc at Aalto. Prev: Coinbase, Shopify.
We want to earn the right to raise
on data, not on slides.
We want to be in market based on numbers from real pilots, with paying customers, on outcome-based contracts. Three phases, six months, three checkpoints.
Land the design partners.
- ASA Group pilot signed and live
- Qred written proposal in motion
- Two more pilots in pipeline
- Charged-off cohort ingested, baseline established
Prove the engine.
- 4 ─ 6 week pilots run, results measured against baseline
- Recovery uplift quantified per portfolio
- Per-borrower decisioning model tuned on real data
- Pricing conversations begin on outcome basis
Convert & raise.
- 3 ─ 5 paying customers on contingency
- Early ARR run-rate on signed contracts
- Seed round in market on real proof points
- Hire engineer #2, expand to 3 design markets
Boring monthly compound growth. Not a spike.