Debt recovery in India is getting a technology upgrade. CredResolve, a Gurugram-based AI-powered debt collections infrastructure company, has raised an undisclosed pre-Series A funding round led by Merak Ventures, with participation from existing investors Unleash Capital Partners and CDM Capital.
The funding comes as the company prepares to expand its operations across 15 states in India, enhance its multilingual AI and voice capabilities, and build a self-serve platform for lenders, marking a significant step in modernizing debt recovery.
About CredResolve
Founded in 2023 by Balaji Koustubha and Vijay Kumar, CredResolve provides a full-stack debt collections infrastructure for banks, NBFCs, fintechs, and microfinance institutions. Its platform combines:
- AI voice bots for automated collections
- Digital channels for omnichannel engagement
- Field agent networks for on-ground operations
- Legal automation for compliance and recovery
Unlike traditional debt collection solutions or software-only platforms, CredResolve manages its own infrastructure, giving lenders real-time visibility into collection performance and recovery outcomes across multiple channels.
Funding Journey
CredResolve has steadily built investor confidence since its inception:
- February 2024: Raised $100K in an angel round from PedalStart, Tujala Goud, and others
- March 2025: Secured $1.1 million seed funding led by Unleash Capital Partners, along with CDM Capital
- Pre-Series A 2026: Raised an undisclosed amount led by Merak Ventures, with participation from previous investors
The new round reflects strong support for CredResolve’s AI-driven approach and its potential to scale debt recovery across India.
How the Funds Will Be Used
The company plans to use the proceeds to:
- Expand operations to 15 states – Broadening its reach to serve more lenders and borrowers
- Scale multilingual AI and voice capabilities – Improving engagement across regional languages
- Build a self-serve platform for lenders – Allowing banks, NBFCs, and fintechs to manage collections more efficiently
This focus on technology and expansion will help CredResolve become a comprehensive solution for debt recovery in India.
Why CredResolve Stands Out
CredResolve differentiates itself in several ways:
- AI-Powered Infrastructure: Combines automation, field operations, and legal compliance in one platform
- Real-Time Visibility: Lenders can monitor collections performance across multiple channels
- Omnichannel Approach: Integrates voice, digital, and field agents to improve recovery outcomes
- Outcome-Based Model: Focuses on tangible results rather than just service delivery
By offering a full-stack solution, CredResolve addresses the inefficiencies of traditional outsourcing or software-only models in debt collections.
The Market Opportunity
India’s debt collection industry is rapidly evolving. With growing consumer lending, microfinance, and fintech adoption, lenders face increasing pressure to recover dues efficiently while complying with regulations.
AI-driven solutions like CredResolve’s platform help lenders:
- Reduce recovery costs
- Improve customer engagement with multilingual support
- Streamline operations across multiple states
As debt portfolios grow and lending diversifies, demand for smart, technology-enabled collection platforms is expected to rise sharply.
CredResolve’s pre-Series A funding led by Merak Ventures signals strong investor confidence in its AI-powered, full-stack debt recovery model. With the capital, the company will expand geographically, scale its AI and voice technology, and develop a self-serve platform for lenders.
By combining technology with operational expertise, CredResolve is positioning itself as a next-generation infrastructure partner for banks, NBFCs, fintechs, and microfinance institutions — transforming debt collections into a more efficient, data-driven, and outcome-focused process.
