# Avtal

> Avtal is an Austin-based fintech that builds an AI-powered, white-labeled digital engagement platform for third-party debt collection agencies. Combining automated email and SMS outreach with a compliant, self-serve consumer payment portal, Avtal layers onto an agency's existing phone and mail operations to lift liquidation rates by 50%-75%. The company charges only a performance-based percentage of what it collects, and raised $24 million in Seed and Series A funding led by S3 Ventures in March 2026.

- **Founded:** 2025
- **Headquarters:** Austin, Texas, United States
- **Founders:** Joe Gelbard (Founder & President), Khaled Bitar (Co-Founder & CEO)
- **Team size:** ~30
- **Products:** Omnichannel Digital Engagement Platform, Self-Serve Consumer Payment Portal, Compliance & Reporting Layer, Call Center Integration
- **Notable:** Raised $24M in combined Seed and Series A funding led by S3 Ventures (March 2026)., Reports lifting liquidation/recovery rates by 50%-75% on placements already worked by phone and mail., Assembled a leadership team including a former CFPB official who helped write Regulation F.

## Products & services

- **Omnichannel Digital Engagement Platform** — A white-labeled system that automates consumer outreach across email and SMS, timing and tailoring messages using data-driven algorithms and machine learning to maximize engagement and recovery.
- **Self-Serve Consumer Payment Portal** — A secure, mobile-first, compliant portal where consumers view balances, set up payment plans, and pay on their own terms without needing to speak to an agent.
- **Compliance & Reporting Layer** — Regulation F-aware workflows, carrier-approved templates, SFTP data upload/reporting, payment reconciliation, and CRM integration built for the collections ecosystem.
- **Call Center Integration** — Digital channels layered on top of an agency's existing phone and mail operations so recovery lifts without ripping out established workflows.

## Achievements

- Raised $24M in combined Seed and Series A funding led by S3 Ventures (March 2026).
- Reports lifting liquidation/recovery rates by 50%-75% on placements already worked by phone and mail.
- Assembled a leadership team including a former CFPB official who helped write Regulation F.
- Achieved SOC compliance attestation for its platform.
- Rapid adoption among U.S. collection agencies since launch.

## Latest updates

- **2026-03** — Raised $24 million in Seed and Series A funding led by S3 Ventures with participation from NJP Ventures to build digital infrastructure for debt collection.
- **2025-12** — Appointed John McNamara, a former CFPB official who helped write Regulation F, as Chief Growth Officer.

## Links

- Website: https://avtal.com
- LinkedIn: https://www.linkedin.com/company/avtal

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Profile page: https://yespress.io/avtal
Published by YesPress — https://yespress.io
Last updated: 2026-07-22