Garfield AI
Garfield AI is the UK's first SRA-regulated AI law firm, automating small claims debt recovery (up to £10,000) for sole traders, freelancers, and small businesses through a self-serve platform combining expert systems with large language models.
- Company typePrivate
- Founded2023
- HeadquartersTunbridge Wells, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Garfield AI does
Garfield AI (legally Garfield.Law Ltd) is the world's first law firm authorised by the UK Solicitors Regulation Authority to deliver legal services entirely through AI technology, founded in 2023 by Philip Young (former Baker & McKenzie litigation specialist and Cooke, Young & Keidan LLP co-founder) and Daniel Long (quantum physicist). The company operates as a self-serve platform at garfield.law that automates small claims debt recovery in England and Wales for claims up to £10,000, serving sole traders, freelancers, and small businesses who find traditional legal routes uneconomical for sub-£10,000 disputes. Since SRA authorisation in May 2025, Garfield has processed over 600 claims and recovered approximately £500,000 for clients, and in May 2026 became the first AI lawyer to win a contested court case at Wandsworth County Court.
The platform's technical architecture is a hybrid system combining a logic-based expert system with large language models, employing 20-30 API calls to handle discrete legal process stages from polite chasers through to trial. The expert system validates fundamental legal requirements (limitation periods, claim amounts, court jurisdictions) before any LLM-generated content is produced, and an information extraction framework converts unstructured user input into validated structured schemas to prevent hallucinations. Document generation covers Letters Before Action, court claim forms (Form N1), witness statements, case bundles, and skeleton arguments. The platform integrates with Companies House for real-time debtor risk checks on corporate defendants and with Xero, Sage, QuickBooks, and FreeAgent for automatic invoice import, including bulk processing for high-volume users.
Garfield operates a pure product-led growth model with no sales team, monetising through per-document transaction fees of £2 for a polite chaser and £7.50 for a Letter Before Action, with court fees passed through separately. Two pricing tiers are offered: a Single claim tier (1 claim/month for sole traders) and a Multiple claims tier (2-50 claims/month for businesses with regular unpaid invoices). The company is funded exclusively through angel investors, having deliberately rejected venture capital to preserve its access-to-justice pricing mission. Customer segments are segmented horizontally by size tier (sole traders as primary, professional services firms and larger corporations as secondary), with marketing driven primarily by earned media coverage across BBC, Financial Times, Forbes, Bloomberg, and The Guardian, supplemented by thought leadership at institutions including the Royal Society, Cambridge University Faculty of Law, LSE, and the House of Lords Justice Select Committee.
Garfield AI firmographics
Firmographics- Name
- Garfield AI
- Legal name
- Garfield.Law Ltd.
- Website
- https://garfield.law
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Garfield AI is the UK's first SRA-regulated AI law firm, automating small claims debt recovery (up to £10,000) for sole traders, freelancers, and small businesses through a self-serve platform combining expert systems with large language models.
- Ownership category
- akta.pro rank
Garfield AI industry classification
Industry- Product category
- Legal Technology
- NAICS
- Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB)
Keywords
Where Garfield AI is headquartered
LocationHeadquarters
- HQ city
- Tunbridge Wells
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Garfield AI business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Transaction-based Legal Services: Users pay per legal action taken - £2 for polite chaser letter, £7.50 for Letter Before Action, with court claim filing at additional court fees. Pricing is unit-based (per document/claim type) rather than subscription or hourly billing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Single claim - 1 claim per month for sole traders and small businesses |
| Unit Pricing | Pay-as-you-go | Multiple claims - 2-50 claims per month for businesses with regular unpaid invoices |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
Garfield AI product offering
Product offeringCore offering
Garfield AI is an SRA-regulated AI-powered legal technology platform that automates small claims debt recovery in England and Wales for claims up to £10,000. The platform drafts and sends legal correspondence (polite chasers, Letters Before Action, court claim forms, witness statements, case bundles), integrates with accounting software for invoice import, runs Companies House debtor risk checks, and files claims electronically with the court. It serves UK sole traders, freelancers, small businesses, professional services firms, and larger corporates on a pay-per-action basis.
Product overview
Garfield AI is a unified AI-powered legal service platform that operates as the world's first SRA-regulated AI law firm. The core product is the Garfield AI Platform, which combines an expert system with large language models to automate small claims debt recovery in England and Wales for claims up to £10,000. The platform is offered through two subscription tiers: Single Claim (1 claim/month for sole traders) and Multiple Claims (2-50 claims/month for businesses with regular unpaid invoices). The service includes integrated document generation (polite chasers, Letters Before Action, court forms), electronic court filing, and optional accounting software sync with Xero, Sage, QuickBooks, and FreeAgent. Users can also access bulk claims processing and Companies House risk checks as additional capabilities within the platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Garfield AI Platform AI-powered legal technology platform that automates small claims debt recovery in England and Wales for claims up to £10,000. Drafts and sends polite chasers, Letters Before Action, court claim forms, witness statements, and case bundles; integrates with Xero, Sage, QuickBooks, and FreeAgent for invoice import; queries Companies House for debtor risk checks; and files claims electronically with the court via court API. Built for sole traders, small businesses, professional services firms, and larger corporates.
Quantifiable outcome
- Recovered approximately £500,000 for clients across 600+ claims
- +4 more outcomes
Companies that use Garfield AI
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
Garfield AI technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature6 records
Garfield AI partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and flagship.
- XerocoreAccounting software integration allowing businesses to import outstanding invoices directly from Xero ledger for seamless debt recovery workflow. Garfield AI auto-generates claim paperwork from imported invoice data.
- SagecoreIntegration with Sage accounting software enabling automatic import of unpaid invoices for bulk claims processing. Streamlines entire debt recovery workflow from accounting data.
- QuickBookscoreOne-click integration with QuickBooks allowing businesses to import outstanding invoices directly from their ledger, eliminating manual data entry and ensuring consistency.
- FreeAgentcoreIntegration with FreeAgent accounting platform for automatic import of outstanding invoices. Supports seamless debt recovery workflow for freelancers and small businesses.
- Justice Select CommitteeflagshipGarfield AI co-founders invited to present to Parliament's Justice Select Committee as part of comprehensive review of the County Court system and access to justice for SMEs. Contributed written evidence submission.
- Royal SocietyflagshipCEO Philip Young spoke at Royal Society 'AI and the Law' conference alongside senior judiciary, government officials, and academic leaders including Lord Justice Birss and Dan James (MOJ AI Unit Director).
- Cambridge University Faculty of LawflagshipCEO Philip Young joined panel discussion at Cambridge University Faculty of Law examining AI's transformation of legal profession alongside representatives from Baker McKenzie, Thomson Reuters Labs, and 3VB Chambers.
- London School of Economics (LSE)flagshipCTO Daniel Long participated in inaugural Future of Law masterclass series at LSE alongside Deloitte Legal CTO Professor Bruce Braude, discussing technical architecture and regulatory compliance of AI legal platforms.
- Technology and Construction Court (TCC)coreCo-founders presented Garfield AI platform at TCC AI conference to construction law practitioners, judges, and legal technology experts, demonstrating AI transformation of dispute resolution.
- Solicitors Regulation Authority (SRA)flagshipSRA authorised Garfield AI as the first law firm approved to deliver legal services entirely through AI technology. Eight-month authorisation process with ongoing regulatory oversight ensuring consumer protection.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Garfield AI competitors and assessment
Company assessmentEmerging players
- Harvey AI: Domain-specific AI platform built for elite law firms providing legal drafting, research, and matter management. Comparable in demonstrating the viability of AI-powered legal work, but targeting sophisticated law-firm users rather than end-businesses like Garfield.
- Luminance: UK-founded legal AI platform using large language models for contract review, due diligence, and compliance automation, primarily serving enterprise law firms and corporates. Comparable as a UK AI legal-tech player but oriented toward higher-value enterprise use cases rather than SMB debt recovery.
Direct peers
- DoNotPay: AI-powered consumer and SMB legal assistant offering automated dispute resolution, small claims generation, and consumer rights automation. Closest direct comparable in business model (AI-driven legal self-help, transaction pricing) although US-focused and broader in scope.
- Lawpath: Online legal services platform for SMBs offering automated document generation, legal templates, and on-demand lawyer access across the UK and Australia. Comparable in serving SMBs with affordable, self-serve legal workflows and in pricing model (subscription + per-document).
- Chaser: UK-based credit control and invoice-chasing software for SMBs, automating polite reminders and late-payment follow-ups via email/SMS. Directly comparable in automating the AR reminder workflow that precedes Garfield's legal escalation, and competes for the same UK SMB accounts-receivable use case.
- Genie AI: UK-based AI legal platform providing automated document drafting and review for SMBs and in-house teams. Comparable in being a UK AI legal tech player targeting SMB and SME customers with generative legal drafting, although Genie focuses on commercial contracts rather than litigation.
Broad incumbents
- Marston Group: UK's largest debt recovery and enforcement group operating across debt purchase, collection, and tracing. Comparable in serving the same debtor-creditor ecosystem in the UK, although operating under a traditional non-technology-driven model rather than an AI/SaaS platform.
- Rocket Lawyer: Online legal services platform offering document automation, on-demand attorney consultations, and small business legal tools globally. Comparable in targeting SMBs with affordable, technology-driven legal self-service, operating at much larger scale with subscription-based pricing.
- LegalZoom: Largest US online legal services platform offering document automation, business formation, and access to attorneys at consumer-friendly prices. Comparable in democratising legal services for SMBs via self-serve technology and per-document pricing, though at vastly greater scale and broader scope than Garfield.
Others
- Satago: UK AR automation and invoice finance platform for SMBs combining credit control, chasing workflows, and selective invoice financing. Comparable as a UK SMB accounts-receivable tool, addressing the same upstream "unpaid invoice" pain point that drives Garfield's customer acquisition.
Market position
Strengths5 records
Competitive moat5 records
Key risks1 record
Key highlights7 records
Customer concentration
Garfield AI social profiles
Digital presenceGarfield AI compliance and trust
Trust signalCompliance2 records
Garfield AI financial estimates
Financial estimateRevenue estimate
Valuation estimate
Garfield AI leadership team
Management profileNumber of profiles
Profiles3 records
Garfield AI funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Garfield AI 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 Garfield AI
What does Garfield AI do?
Garfield AI is an SRA-regulated AI-powered legal technology platform that automates small claims debt recovery in England and Wales for claims up to £10,000. The platform drafts and sends legal correspondence (polite chasers, Letters Before Action, court claim forms, witness statements, case bundles), integrates with accounting software for invoice import, runs Companies House debtor risk checks, and files claims electronically with the court. It serves UK sole traders, freelancers, small businesses, professional services firms, and larger corporates on a pay-per-action basis.
Is Garfield AI a public or private company?
Garfield AI is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Garfield AI founded?
Garfield AI was founded in 2023. It employs 1 to 10 people.
Where is Garfield AI based?
Garfield AI is headquartered in Tunbridge Wells, United Kingdom, in the Europe region.
How does Garfield AI make money?
One revenue line is on record: transaction-based Legal Services.
Who are Garfield AI's main competitors?
Emerging players on record are Harvey AI and Luminance. Direct peers are DoNotPay, Lawpath, Chaser and Genie AI. Broad incumbents are Marston Group, Rocket Lawyer and LegalZoom. Satago is listed as an others.
Does Garfield AI have an API?
No public API is recorded for Garfield AI.
What industry is Garfield AI in?
Garfield AI's product category is Legal Technology. Its primary akta.pro industry code is BPAAAGAB, Accounts Receivable (Invoicing, Cash Application, Deductions). Its NAICS code is 561440 and its SIC code is 7320.