# January

> January is a New York fintech that uses AI to modernize one of finance's least-loved corners: debt collection. Its platform helps lenders, banks, credit unions and debt buyers recover past-due and charged-off consumer debt while giving borrowers transparent, lower-pressure ways to repay - tailored payment plans, self-service tools and built-in regulatory guardrails. Founded in 2016 (originally as Debtsy), the company says its software has serviced more than $10B in debt and handles more accounts than all but the largest banks, pairing data-driven recoveries with consumer satisfaction scores it claims beat traditional agencies.

- **Founded:** 2016
- **Headquarters:** New York, New York, United States
- **Founders:** Jake Cahan (Co-Founder & CEO), Kurt Spindler (Co-Founder)
- **Team size:** Approximately 100-120 employees
- **Products:** AI Collections Platform, Consumer Repayment Experience, Compliance Automation, Portfolio Valuation & Insights
- **Notable:** Serviced more than $10B in consumer debt through its platform, Claims to handle more accounts than all but the top 10 U.S. banks, Reports a 4.8-star Google rating and 90%+ customer satisfaction from consumers

## Products & services

- **AI Collections Platform** — An autonomous, data-driven platform that manages consumer debt recovery for creditors across the credit lifecycle, optimizing outreach, timing and channel.
- **Consumer Repayment Experience** — A consumer-facing, self-service portal offering transparent, hyper-personalized and interest-free repayment plans designed to be easier and less adversarial than traditional collections.
- **Compliance Automation** — Built-in guardrails and real-time safeguards that automate adherence to federal, state and local collections regulations, reducing regulatory risk for creditors.
- **Portfolio Valuation & Insights** — AI-powered, real-time valuation and credit-lifecycle analytics to help lenders and debt buyers manage and price portfolios.

## Achievements

- Serviced more than $10B in consumer debt through its platform
- Claims to handle more accounts than all but the top 10 U.S. banks
- Reports a 4.8-star Google rating and 90%+ customer satisfaction from consumers
- Says AI drives up to 30% more recoveries for creditors
- Operates at roughly 150x the capacity of a traditional collections agency
- Raised $12M Series B led by IA Ventures (Dec 2023)

## Latest updates

- **2023-12** — Closed a $12M Series B led by IA Ventures to help Americans get out of debt and scale its platform.
- **2022-03** — Raised a $10M Series A to build out its tech-enabled debt collection platform.

## Links

- Website: https://january.com
- LinkedIn: https://www.linkedin.com/company/januarytechnologies

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Profile page: https://yespress.io/january
Published by YesPress — https://yespress.io
Last updated: 2026-06-14