Celeste
- Company typePrivate
- Founded2023
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
Celeste firmographics
Firmographics- Name
- Celeste
- Legal name
- Celeste AI Inc.
- Website
- https://celesteai.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Celeste industry classification
Industry- Product category
- SMB Lending Collections Software
- akta.pro primary industry
- Collections, Recovery & Debt Management Platforms (FSAGAHAI)
Keywords
Where Celeste is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Celeste business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- SaaS Platform Subscription: Celeste operates as a cloud-based SaaS platform providing payment collection software for SMB lenders. Based on the enterprise positioning and 'Book Demo' sales motion, the revenue model likely includes subscription-based licensing with potential usage-based components for different loan volumes or collection volumes.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Celeste product offering
Product offeringCore offering
Celeste provides an agentic AI platform that helps traditional and alternative SMB lenders reduce missed payments and recover non-paying accounts through automated AI-driven collection workflows, real-time borrower insights, and personalized collection strategies. The platform supports SMB loans, merchant cash advances, factoring, and receivables purchase transactions, and is complemented by Advisory Services that offer expert guidance to fintechs on portfolio performance.
Product overview
Celeste offers a single unified agentic AI platform specifically designed for SMB lenders to manage payment collection and collections operations. The core Celeste AI Platform integrates multiple modules: Intelligent Automation for AI-driven workflow execution, Real-Time Insights for borrower behavior monitoring, a Collection Strategy Engine using machine learning for optimal collection approaches, Conversational AI with Sentiment Analysis for automated customer communication, Customer and Legal Portals for self-service, and an AI Chatbot Assistant for record retrieval. The platform supports various SMB loan types including business loans, merchant cash advances, receivables purchase transactions, and factoring. Advisory Services complement the software offering with expert guidance for fintechs.
Differentiator
Problem solved
Functional benefit
Products and services
- Celeste AI Platform Agentic AI platform designed to reduce missed payments and collect non-paying accounts for SMB lenders, offering intelligent automation, real-time borrower insights, automated recovery via AI agents, and tailored interfaces for SMB loans, merchant cash advances, receivables purchase transactions, and factoring.
- Advisory Services Expert guidance service helping fintechs scale smarter, mitigate risk, and unlock portfolio performance through data, experience, and intuition.
Quantifiable outcome
- Boost recovery rates while cutting manual work significantly
- +1 more outcomes
Companies that use Celeste
Customer profileSegments7 records
Ideal customer profiles1 record
Celeste technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature8 records
Celeste partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and infrastructure.
- OpenAIcoreAI technology partner providing foundational large language model capabilities that power Celeste's conversational AI and intelligent automation features for debt collection.
- AnthropiccoreAI safety and research partner providing Claude-based AI capabilities that enhance Celeste's conversational AI and sentiment analysis features for borrower communications.
- PlaidcoreFinancial data platform integration enabling access to banking and transaction data for real-time borrower insights and risk assessment in the collection process.
- IBM CloudinfrastructureCloud infrastructure partner providing scalable computing resources and enterprise-grade security for hosting the Celeste AI platform.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Celeste competitors and assessment
Company assessmentRegional players
- InDebted: Australia-founded AI debt collection platform operating across APAC, the UK, and the US. Comparable AI-led, consumer-friendly collections approach, but primarily non-US headquartered and broader consumer focus.
- CollectAI: Hamburg-based AI collections platform (part of the Riverty ecosystem) serving European banks, lenders, and utilities. Comparable in applying ML and conversational automation to recovery workflows, though focused on European regulated incumbents.
- Pair Finance: Berlin-based AI-powered debt collection platform serving European banks, fintechs, and telecoms. Closely comparable in applying machine learning to optimize collection strategies, but concentrated in DACH rather than US SMB lending.
Direct peers
- Skit.ai: US-based AI voice agent platform purpose-built for debt collection across lenders, debt buyers, and agencies. Closely comparable to Celeste in target customer, AI-driven conversational approach, and early-to-growth stage profile.
- Prodigal: AI platform serving lenders, debt buyers, and collection agencies to automate conversations and improve recovery rates. Direct comparable to Celeste in customer base and AI-native collections positioning.
- TrueAccord: ML-driven digital debt collection platform using personalized communications, segmentation, and continuous optimization. Direct peer to Celeste with similar end-to-end strategy approach, though more mature and historically focused on consumer balances.
Others
- TurnKey Lender: Lending management software covering origination, servicing, and collections for lenders and fintechs. Comparable end-customer base but broader functional scope and less specialization in AI-driven SMB collections.
Emerging players
- Observe.AI: Contact center AI platform providing real-time conversation intelligence, sentiment analysis, and agent coaching. Adjacent to Celeste's conversational AI and sentiment capabilities, with overlap in lender and agency contact-center deployments.
Broad incumbents
- FICO: Global analytics and decisioning leader with established collections optimization software, scoring, and decisioning tools. Overlaps with Celeste in lender and collections workflows but offers a much broader portfolio across credit and fraud.
- Performant Financial: US-based recovery and analytics services provider serving lenders, debt buyers, and agencies across student, healthcare, and consumer credit. Comparable collections end-market with established incumbency and scale advantages over Celeste.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Celeste social profiles
Digital presenceCeleste financial estimates
Financial estimateRevenue estimate
Valuation estimate
Celeste leadership team
Management profileNumber of profiles
Celeste funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Celeste M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Celeste
What does Celeste do?
Celeste provides an agentic AI platform that helps traditional and alternative SMB lenders reduce missed payments and recover non-paying accounts through automated AI-driven collection workflows, real-time borrower insights, and personalized collection strategies. The platform supports SMB loans, merchant cash advances, factoring, and receivables purchase transactions, and is complemented by Advisory Services that offer expert guidance to fintechs on portfolio performance.
Is Celeste a public or private company?
Celeste is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Celeste founded?
Celeste was founded in 2023. It employs 1 to 10 people.
Where is Celeste based?
Celeste is headquartered in New York, United States, in the North America region.
How does Celeste make money?
One revenue line is on record: saaS Platform Subscription.
Who are Celeste's main competitors?
Regional players on record are InDebted, CollectAI and Pair Finance. Direct peers are Skit.ai, Prodigal and TrueAccord. TurnKey Lender is listed as an others. Observe.AI is listed as an emerging player. Broad incumbents are FICO and Performant Financial.
Does Celeste have an API?
No public API is recorded for Celeste.
What industry is Celeste in?
Celeste's product category is SMB Lending Collections Software. Its primary akta.pro industry code is FSAGAHAI, Collections, Recovery & Debt Management Platforms.