Debtist

Debtist provides digital, end-to-end receivables management solutions, positioning itself at the intersection of financial software and embedded finance. Established in 2023 in Frankfurt, Germany, the company targets the fintech, e-commerce, and broader software sectors, including B2B SaaS platforms. Its business model focuses on empowering these platforms to offer embedded debt collection services to their own customers, typically small and medium-sized businesses (SMBs). This creates an additional revenue stream for the platforms and helps SMBs improve cash flow and customer retention.

The company's service automates the entire dunning process, from initial payment reminders to legal action, all managed through a client-facing dashboard. A key feature is its seamless integration capability via API, allowing for automated case handovers from clients' existing systems. Debtist employs an AI-powered system and data-driven communication strategies to handle debt recovery efficiently while aiming to preserve the client's customer relationships. The service is offered globally and is free for clients up to the point of legal action, for which consent is required. This approach minimizes the financial risk for clients while providing a scalable solution to manage outstanding invoices across different jurisdictions.

Since its founding, Debtist has secured seed funding and demonstrated revenue generation. A significant milestone was its expansion into the UK market with a new office in London, signaling its strategy to grow its presence across Western Europe. The firm collaborates with local partners to ensure its digital-first collection processes are aligned with regional standards.

Keywords: receivables management, embedded finance, debt collection, B2B SaaS, accounts receivable, financial software, fintech solutions, cash flow management, automated dunning, API integration, invoice management, digital debt collection, credit management, revenue recovery, SME finance, accounts receivable automation, European debt collection, payment reminders, legal action dunning