January is a fintech company that applies artificial intelligence and data-driven products to the debt collection industry. Its platform helps financial institutions streamline collections while offering borrowers flexible payment plans, settlement options, and online account management with no interest or fees. The company reports that its AI-driven approach achieves 30% more recoveries compared to traditional methods.
The company has scaled significantly, servicing over $10 billion in debt and handling more accounts than all but the top 10 banks in the United States. It has served more than one million consumers and maintains a customer satisfaction score above 90%. January also manages compliance with over 1,000 evolving federal, state, and local regulations.
January raised $12 million in a Series B funding round. The company is based in New York and operates across the fintech, debt collection, and consumer finance verticals. Its stated approach centres on providing compassionate, straightforward solutions that aim to protect customer relationships and help borrowers regain financial stability.
