January

January is a fintech company that applies artificial intelligence and data analytics to debt collection, building products that combine hyper-personalized consumer interactions with real-time automated compliance. Its technical work spans machine learning, data-driven decisioning and a payments platform, applied to the practical problem of helping creditors recover debt while giving borrowers clear, workable routes back to financial stability. The firm is headquartered in New York and operates across the United States.

The January collections platform uses AI to manage accounts at scale, offering consumers flexible payment plans, settlement options and online account management without interest or fees. The company reports 30% more recoveries than traditional methods, along with automated safeguards that track compliance with more than 1,000 federal, state and local regulations as they change.

January services over $10 billion in debt and handles more accounts than all but the top ten banks in America. It has served more than one million consumers, and records a customer satisfaction score above 90% and a Google rating of 4.7 stars. The company has raised $12 million in Series B funding.

The firm serves financial services customers including banks, credit unions, debt buyers and consumer lenders. Its stated approach is dignity-first: protecting customer relationships, treating borrowers with compassion and straightforward communication, and building what it describes as a financial system where trust and opportunity create lasting change.