India, April 1, 2026: CredResolve has raised a Pre-Series A funding round led by Merak Ventures, with participation from existing investors Unleash Capital Partners and CDM Capital. The company plans to use the fresh capital to expand its footprint, enhance AI capabilities, and build a self-serve platform for lenders.
Currently managing over $6 billion in assets monthly across more than 40 lenders and 10 Indian states, CredResolve is positioning itself as a full-stack, AI-powered collections infrastructure provider. The company aims to scale its operations to 15 states, while strengthening its multilingual AI and voice-based capabilities to improve recovery efficiency and borrower engagement.
The fundraise comes at a critical juncture for India’s credit ecosystem, where over ₹5 lakh crore in stressed assets is managed through fragmented and often inefficient collections systems. Traditional models, largely dependent on manual processes and limited technology, have struggled to provide transparency, consistent outcomes, and compliance with evolving regulatory norms.
CredResolve’s platform integrates AI voice bots, digital engagement channels, field agent networks, and legal automation into a unified infrastructure. Unlike conventional outsourcing or software-only models, the company operates its own infrastructure, offering lenders real-time visibility into recovery performance and shifting the focus from activity-based tracking to outcome-driven accountability.
Commenting on the development, Co-founder and CEO Balaji Koustubha said the company aims to replace outdated and opaque collections systems with scalable, technology-driven infrastructure that benefits both lenders and borrowers. He added that the new funding will accelerate expansion and significantly enhance AI capabilities.
Manu Rikhye, Founding Partner at Merak Ventures, highlighted that while India’s credit capacity has grown rapidly, recovery infrastructure has lagged behind, creating both systemic risks and significant opportunities. He noted that CredResolve’s integrated approach and growing scale reflect strong market demand for a more efficient and compliant collections ecosystem.
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With this investment, CredResolve is looking to play a pivotal role in modernising India’s debt recovery landscape and enabling a more transparent, technology-driven credit ecosystem.
