What Equabli does

Equabli is a private, Austin, Texas-based SaaS company founded in 2020 that provides an AI-driven debt collection and recovery platform for lenders, banks, servicers, debt buyers, and collection agencies. The company operates the EQ Suite, an integrated cloud-based platform comprising three modules: EQ Engine (predictive analytics and propensity-to-pay scoring using custom ML models), EQ Engage (digital borrower engagement across SMS, email, voice, and self-service payment portals with AI-personalized messaging), and EQ Collect (centralized agency, law firm, and debt-sale management with automated routing and performance tracking). The platform is designed to replace manual, spreadsheet-based collections workflows and fragmented vendor oversight with data-driven prioritization, omnichannel digital outreach, and compliance-aware automation across the full post-origination credit lifecycle.

Equabli generates revenue through enterprise SaaS subscriptions priced on a quote basis, executed via a direct enterprise field sales motion that targets C-level buyers at financial institutions with discovery calls, demos, and dedicated Sales Executive coverage. Disclosed customer outcomes include 23.4% higher repayment rates with algorithmic prioritization, 12% more payments at 15% lower cost via digital-first collections, 98% SMS open rates, and 47% higher recovery rates versus traditional agency benchmarks. Named enterprise customers include American First Finance, ArborKnot, Crown Asset Management, CBE, Gulf-Coast Collection Bureau, and Halsted across consumer finance, financial services, and collections agency verticals.

The company has raised approximately $5.35 million in aggregate funding via a March 2022 SEC Form D filing under Equabli Holdings, Inc. ($2 million) and a July 2023 $3.35 million seed round led by Social Leverage, with $1 million from BankTech Ventures and participation from Cross River Digital Ventures. Equabli employs 51-100 people across five countries, holds SOC 2 Type II certification across all products, and is led by co-founder and CEO Cody Owens with CTO Rishi Malhotra, Chief Analytics Officer Anand Adusumilli, and a founding team including Brandon Black, Paul Grinberg, and Blake Hogan.

Name

Equabli

Legal name

Equabli, Inc.

Website

https://equabli.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

Equabli is a private Austin-based SaaS company providing an AI-driven debt collection platform (EQ Suite) with predictive scoring, digital borrower engagement, and agency management modules for lenders, servicers, debt buyers, and collection agencies.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Software Publishers (5132), Activities Related to Credit Intermediation (5223), Collection Agencies (561440)

SIC

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

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

akta.pro secondary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Debt collection software
• Predictive analytics
• Recovery management
• Digital collections
• Credit lifecycle platform

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Subscription-based SaaS revenue model for access to the EQ Suite platform comprising EQ Engine, EQ Engage, and EQ Collect modules. Pricing likely enterprise-tiered based on portfolio volume and module selection.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Equabli sells the EQ Suite, a cloud-based AI-driven debt collection and recovery platform for lenders, servicers, debt buyers, and collection agencies. It bundles three modules — EQ Engine (predictive scoring and segmentation), EQ Engage (digital borrower outreach via SMS, email, and self-service portals), and EQ Collect (agency and vendor management with automated routing) — to cover the full credit lifecycle from first missed payment through final recovery. Revenue comes from enterprise SaaS subscriptions priced per portfolio and module selection.

Product overview

Equabli offers the EQ Suite, a unified cloud-based platform for AI-driven debt collection and recovery. The platform comprises three integrated modules: EQ Engine (predictive analytics and scoring), EQ Engage (digital-first borrower engagement), and EQ Collect (agency and vendor management). The EQ Suite covers the full credit lifecycle from early delinquency through recovery, helping lenders, servicers, agencies, and debt buyers prioritize accounts, personalize engagement, and maximize returns.

Differentiator

Problem solved

Functional benefit

Brands

• EQ Suite: Integrated debt collection solutions platform comprising EQ Engine (predictive analytics), EQ Engage (digital collections), and EQ Collect (outsourcing platform) for creditors, servicers, and debt buyers.
• EQ Engine
• EQ Engage
• EQ Collect

Products and services

• EQ Suite Equabli's unified cloud-based platform that consolidates decisioning, segmentation, treatment orchestration, and digital engagement across the entire post-origination credit lifecycle. Comprises three integrated modules: EQ Engine (predictive analytics and scoring), EQ Engage (digital borrower engagement), and EQ Collect (agency and vendor management). Sold as a subscription SaaS to lenders, servicers, debt buyers, and collection agencies.
• EQ Engine AI-driven analytics engine that analyzes borrower behavior and predicts repayment probability using custom ML models. Provides risk identification, strategic prioritization, payment projections, and dynamic account scoring to help collections teams focus efforts on the highest-impact accounts. Sold to lenders, servicers, and debt buyers as part of the EQ Suite.
• EQ Engage Digital-first engagement platform that automates borrower outreach across SMS, email, and voice channels with AI-personalized messaging tailored to borrower situation and engagement timing. Includes self-service payment portal and journey automation that adapts to borrower behavior in real time. Sold to lenders, servicers, and agencies as part of the EQ Suite.
• EQ Collect Agency and vendor management command center that automates account placement, monitors real-time performance, and ensures regulatory compliance across the vendor network. Provides centralized inventory management, automated routing, and audit-ready reporting for agencies, law firms, and debt sales. Sold to debt buyers, servicers, and collection agencies as part of the EQ Suite.

Quantifiable outcome

• 23.4% higher repayment rates with algorithmic prioritization vs. manual agent decisions
• +6 more outcomes

Named customers6 records

Segments9 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature5 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• GC Services: GC Services is a large third-party collection agency that has invested in digital engagement and analytics technology for first- and third-party collections. It competes in the same lender-and-servicer buyer market, increasingly with in-house platforms that rival Equabli's.
• TransUnion: TransUnion is a major credit bureau providing consumer credit data, analytics, and decisioning tools to lenders, servicers, and debt buyers. Its TruAudience and collections solutions overlap with Equabli's predictive scoring and digital engagement capabilities.
• Experian: Experian is a global credit bureau and data analytics provider serving lenders, banks, and debt buyers with credit reports, scoring, and consumer-engagement tools. Its collections-focused offerings compete with Equabli's EQ Suite as part of a much broader data and analytics portfolio.
• FICO: FICO is a long-established analytics and decisioning platform with deep penetration into lenders and banks through credit scoring and portfolio risk tools. It competes broadly with Equabli's EQ Engine scoring capabilities as part of a much wider risk-management portfolio.
• Abrigo: Abrigo provides risk management, lending, and compliance software to community banks and credit unions. While more focused on origination and BSA/AML, its analytics products target the same lender buyer base as Equabli.

Direct peers

• Skit.ai: Skit.ai provides AI-powered voice agents for debt collection and accounts-receivable automation, targeting banks, lenders, and collection agencies. Its conversational AI approach is comparable to Equabli's EQ Engage omnichannel digital outreach for the same buyer segments.
• LiveVox: LiveVox is a cloud-based contact-center and AI platform purpose-built for collections and customer engagement. It competes with Equabli's EQ Engage and EQ Collect modules among banks, servicers, and collection agencies managing high-volume consumer outreach.
• TrueAccord: TrueAccord is a digital-first debt collection platform using machine learning and personalized consumer engagement across email, SMS, and web channels. It directly competes with Equabli's EQ Engage and EQ Engine modules in serving lenders, fintechs, and debt buyers with AI-driven recovery.

Emerging players

• Orbital Shift: Orbital Shift is an early-stage platform offering AI-driven workflow automation for ARM agencies and debt buyers. Its narrower feature set overlaps with Equabli's EQ Collect vendor-management and scoring capabilities in the collections-agency segment.
• Prodigal: Prodigal offers AI-driven consumer-intelligence and collections tools for lenders, servicers, and collection agencies, with features such as agent assist and borrower engagement analytics. It competes directly with parts of Equabli's EQ Engage and EQ Engine modules.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/equabliinc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds4 records

Investors3 records

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

M&A

Investments

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

Frequently asked questions about Equabli