CredResolve raises funding to grow AI-driven recovery platform

Written by Vriti Goshi

India-based debt collection infrastructure startup CredResolve has raised capital by leading a pre-Series A funding round. Meraku Ventureswith the participation of existing investors Unleash Capital Partners and CDM Capital. The company did not disclose the amount of funding.

The funding comes as India’s credit ecosystem grapples with stressed asset accumulation and inefficiencies in recovery mechanisms. According to industry estimates, more than Rs 5,000 crore of bad loans are currently managed through a fragmented network of collection agencies, many of which rely on manual processes, have limited transparency to lenders, and face increased regulatory scrutiny over the treatment of borrowers.

founder Balaji Kustuba and vijay kumarCredResolve positions itself as a full-stack collections infrastructure provider, combining artificial intelligence, digital engagement channels, field operations, and legal automation. The company currently manages over $6 billion in assets across over 40 lenders and has operations in 10 states in India.

The new funding will be used to expand the company’s geographic footprint to 15 states, enhance its multilingual AI and voice-based capabilities, and develop a self-service platform aimed at simplifying lender onboarding.

The company’s model reflects the sector’s broader shift from activity-based tracking focused on call volumes and agent visits to results-driven accountability that gives lenders real-time visibility into collections performance across channels.

CredResolve’s hybrid approach combines proprietary technology with operational control over a field network, setting us apart from software-only platforms and traditional outsourcing companies. This model aims to improve compliance, standardize interactions with borrowers, and provide additional transparency for lenders.

Existing investors Natsuki Sugai noted that the company outperformed earlier growth expectations, citing tailwinds from the expansion of India’s digital lending market and increasing demand for compliant, technology-driven collection solutions.

Infrastructure-driven platforms such as CredResolve are emerging as a key layer in India’s credit value chain as regulatory pressures intensify and lenders seek more efficient recovery mechanisms. The company’s planned investments in AI-driven engagement and scalable onboarding tools signal a move to capture a larger share of the under-digitized parts of the financial services industry.