What Moonflow does

Moonflow is an AI-native debt collections software company founded in 2023 and incorporated in Wyoming, USA, with operational headquarters in Lima, Peru. The company provides an omnichannel collections operating system that automates accounts-receivable management for both B2B (enterprise receivables) and B2C (consumer debt) segments, serving over 200 companies across 25 countries in Latin America, the United States, and Spain. Its customers include Manpower, Payjoy, Banco Ripley, BCI, Visma, Kavak, Konfio, Kueski, Innova Schools, Rotoplas, and others spanning financial services, staffing, education, healthcare, real estate, distribution, and telecom/utilities.

The core product is an AI-native platform orchestrating a network of 10+ autonomous text and voice agents — notably two named agents, Lorena (WhatsApp specialist) and Diego (email and voice specialist) — that conduct entire collections conversations without human intervention across WhatsApp, email, SMS, voice, and web chat. The system integrates natively with more than ten ERP, CRM, and payment platforms (SAP, Oracle NetSuite, Odoo, QuickBooks, Siigo, Xero, Holded, Zeta, Microsoft Dynamics 365, Stripe), supports API and SFTP connectivity, and applies machine-learning optimization to channel selection, timing, and strategy. Upcoming roadmap items include a native Asterisk telephony integration and a Field Management Mobile App, both planned for mid-2026.

Moonflow monetizes through tiered SaaS subscriptions on annual or monthly billing — Lite, Essential, and Pro tiers for B2B (priced $54-$379/month on annual billing) plus Starter and Growth tiers for B2C ($34-$289/month) — with usage-based add-ons for WhatsApp Business API, SMS, cloud telephony, and AI tokens. Distribution combines a self-serve website channel for SMBs with a demo-led inside-sales motion for mid-market and enterprise, supported by regional Spanish/Portuguese/English sites across LATAM and a channel partnership with Puntored in Mexico. Moonflow has raised over $4M in total funding across a pre-seed (Nov 2023, $700k+), an SEC-exempt offering (May 2024), a debt round (Mar 2026, $1.6M sold), and a $1.6M Pre-Series A led by TheVentureCity in May 2026, and acquired Kobro in October 2025 to consolidate its Mexican operations.

Name

Moonflow

Legal name

Moonflow LLC

Website

https://moonflow.ai

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Moonflow is an AI-native debt collections operating system founded in 2023, serving 200+ B2B and B2C companies across 25 countries in Latin America, the US, and Spain. Its autonomous AI agents Lorena and Diego automate omnichannel collections across WhatsApp, email, SMS, and voice.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Collection Agencies (561440), Software Publishers (513210)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

akta.pro secondary industries

Software/SaaS Subscriptions (Consumer & Prosumer) (CRAFAIAB), B2B SaaS & Enterprise Personalization (CRM, Sales, Support) (HDAAAGAJ)

Keywords

• AI debt collection
• Accounts receivable automation
• Collections management software
• Autonomous collections agents
• Omnichannel collections platform

Headquarters

HQ city

Sheridan

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. SaaS Subscription (B2B Plans): Moonflow offers tiered SaaS subscription plans (Lite, Essential, Pro) for business collections targeting enterprises managing B2B receivables. Plans are priced monthly or annually with tiered feature access. Additional usage-based charges apply for WhatsApp Business API, SMS, Cloud Telephony, and AI tokens.
2. SaaS Subscription (B2C Plans): Tiered subscription plans for consumer collections targeting companies managing B2C receivables. Plans are priced monthly with tiered feature access including AI voice agents, email, SMS, and optimization modules.
3. Usage-based Charges: Beyond base subscription tiers, additional costs are incurred for usage of WhatsApp Business API (Meta), SMS, cloud telephony, and AI tokens. These are consumption-based charges layered on top of the recurring subscription.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels10 records

Core offering

Moonflow sells an AI-native operating system for debt collections that automates the complete accounts receivable lifecycle through a network of autonomous voice and text AI agents (Lorena for WhatsApp, Diego for email and voice). The platform is offered as tiered SaaS subscriptions under two product lines — B2B Collections (Cobranzas a Empresas) and B2C Collections (Cobranzas a Personas) — with usage-based charges layered on top for WhatsApp Business API, SMS, telephony, and AI tokens.

Product overview

Moonflow is an AI-native operating system for debt collections, consisting of a core platform with two primary service lines—B2B Collections (Cobranzas a Empresas) and B2C Collections (Cobranzas a Personas)—each available in tiered subscription plans (Lite, Essential, Pro for B2B; two tiers for B2C). The platform is powered by two named AI agents, Lorena (WhatsApp specialist) and Diego (email and voice specialist), which function as autonomous collections agents orchestrating communications across omnichannel platforms. Key add-on modules include the Strategies Module, Campaigns Module, Conversations Module, and real-time Indicators Dashboard, all integrated with pre-built ERP connectors (SAP, Oracle NetSuite, Odoo, QuickBooks, and others) and payment gateways (Stripe). A Customer Portal provides branded self-service payment capabilities. The platform also includes self-service tools (Savings Calculator, Help Center) and educational resources (Moonflow Academy). Recent expansion includes the acquisition of Kobro for Mexican market consolidation and upcoming native Asterisk integration and Field Management Mobile Application launches.

Differentiator

Problem solved

Functional benefit

Brands

• Moonflow Talk: AI-powered voice and text agent platform for automating debt collection conversations through WhatsApp, email, and phone calls.

Products and services

• Moonflow AI Operating System AI-native debt collections platform serving as an operating system for enterprise accounts receivable management, orchestrating a network of autonomous voice and text AI agents to handle the complete collections lifecycle across WhatsApp, email, SMS, and voice channels.
• B2B Collections (Cobranzas a Empresas) Enterprise collections plan for Business-to-Business environments, offering AI agents for voice and text communications, omnichannel management (WhatsApp, email, SMS, voice), campaign modules, customer portal, pre-integrated payment methods, and ERP connectivity. Tiered as Lite, Essential, and Pro subscriptions.
• B2C Collections (Cobranzas a Personas) Consumer collections plan for Business-to-Consumer environments, featuring AI voice agents, pre-integrated email and SMS channels, all pre-integrated payment methods, and autonomous strategy optimization with charged-off portfolio management.
• Lorena (AI Collections Agent) Named AI collections agent specializing in WhatsApp conversations. Maintains context-aware dialogues with customers, adapting tone for formality levels. Learns from interactions to recommend strategies, channels, and optimal contact times for 24/7 automated customer communications.
• Diego (AI Collections Agent) Named AI collections agent handling email and voice (inbound and outbound) communications. Understands each customer's payment delay status and specific context, managing interaction intensity accordingly and operating autonomously across email and phone channels.
• Kobro (Acquired Product) AI-powered payment management and collections platform acquired by Moonflow in October 2025 to enhance financial solutions and consolidate operations in Mexico.

Quantifiable outcome

• Up to 90% reduction in operational costs for collections management
• +8 more outcomes

Named customers21 records

Segments9 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

AI capability7 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• PuntoredcoreStrategic or Co-development Partner · 27 February 2026Moonflow partnered with Puntored to expand AI-powered collections services in Mexico. The partnership integrates Moonflow's AI-based collections platform with Puntored's nationwide payment network of 50,000 physical and digital payment points. Financial institutions, schools, and service providers can manage collections while offering customers multiple payment options, with real-time reconciliation within Moonflow's system. This was highlighted at Fintech México Festival 2026.
• KobrocoreStrategic or Co-development Partner · 31 October 2025Moonflow acquired Kobro, a payment management software company, to enhance its financial solutions by integrating Kobro's AI-powered collections management platform. The acquisition consolidates Moonflow's operations in Mexico and expands its product capabilities.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Skit.ai: AI voice and digital agents purpose-built for debt collections across consumer and SMB accounts. Closest comparable to Moonflow's autonomous Lorena/Diego agents and omnichannel orchestration model, with similar enterprise AR/collections buyer focus.
• TrueAccord: Digital-first debt collection platform using machine learning and omnichannel communication (email, SMS, voice) for consumer collections. Comparable in autonomous engagement philosophy, though US-focused versus Moonflow's LATAM concentration.
• Upflow: B2B accounts-receivable and collections management SaaS targeting SMB and mid-market with payment links, automated reminders, and ERP integrations. Competes for the same B2B collections buyer and integrates with similar ERP/CRM stacks.
• Tesorio: AR automation and collections platform with cash-flow forecasting, AI-driven dunning, and ERP connectivity (NetSuite, QuickBooks, Sage). Direct competitor in the B2B AR/collections software category Moonflow addresses.
• CollectAI: AI-driven digital debt collection platform owned by Riverty (Bertelsmann), operating across Europe with omnichannel AI communication. Comparable AI-native collections model serving utilities, telecom, and financial services.

Broad incumbents

• HighRadius: Large enterprise Order-to-Cash and treasury platform with an autonomous collections module powered by AI/ML. Competes in the same AR/collections category as Moonflow but at enterprise scale with a much broader product suite.
• Versapay: AR automation and B2B payments network spanning collections, invoicing, and cash application. Overlaps Moonflow's B2B collections use case with a broader collaborative AR portfolio serving mid-market and enterprise.
• Billtrust: Established B2B order-to-cash platform with invoice delivery, payments, and collections automation. Competes with Moonflow in B2B receivables management for mid-market and enterprise customers.
• PagSeguro: Major LATAM payments and financial-services incumbent (PagBank) offering merchant acquiring, digital accounts, and receivables tools. Adjacent competitive threat in Brazil and broader LATAM collections/payments workflows.

Regional players

• Yaydoo: LATAM-based B2B payments and collections platform covering Mexico, Colombia, Peru, and other LATAM markets. Closest geographic competitor to Moonflow's core region with overlapping ERP/bank-integration approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/moonflow-ai
• Xx.com/MoonflowAi

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moonflow