A thousand conversations with debtors, every day. That is the volume JustSolve’s AI agents are reportedly managing from its headquarters in Milan [Forbes Italia, September 2026]. The startup is not building another chatbot. It is constructing what it calls AI-native infrastructure for the messy, regulated, and often costly pre-legal stage of debt collection.
Founded in 2024, JustSolve automates the full workflow: omnichannel outreach, adaptive negotiation, payment plan setup, and case management, all before a file escalates to formal legal recovery [Finsmes, September 2026]. The bet is that for companies drowning in high volumes of small-value outstanding debts, an AI agent can be more persistent, consistent, and cost-effective than a human team [BeBeez, 2026]. Early customers like buy-now-pay-later provider Scalapay, fintech Qomodo, and subscription platform Subbyx are the first proof points [inforcapital.com].
The Lawyer and the Engineer
The founding team is a classic fintech pairing, built for navigating both regulatory complexity and technical scale. Alberta Trombetta, the CEO, spent seven years in litigation and commercial law before leaving to join a venture-building program [WorkNation, September 2026]. Her co-founder and CTO, Francesco Manicardi, is a former Forward Deployed Software Engineer at Palantir, a role synonymous with building complex, enterprise-grade systems [User Francesco Manicardi - Stack Overflow, 2026].
This combination of deep domain pain and technical rigor appears to have resonated with investors. The company’s initial team also includes talent from BCG, Amazon, and other operational backgrounds, suggesting a focus on commercial execution from the start [Luca Maistrello - FA @JustSolve | Ex BCG & Amazon, 2026].
The Base10-Backed Scale-Up
In September 2026, JustSolve closed a €3.7 million pre-seed round. The financing comprised €3 million in equity, led by Base10 Partners, and €700,000 in grants [Forbes Italia, September 2026]. The cap table includes a mix of institutional and angel capital, with Entourage, 2100 Ventures, Vento Ventures, and Ithaca participating alongside individuals like former Airbnb VP Joe Zadeh and operator Marco Ogliengo.
The proceeds are earmarked for a clear scaling plan: growing the team from six to 20 employees, advancing product development, and beginning an international expansion [Forbes Italia, September 2026]. For a sector as geographically nuanced as collections, that last item is a significant ambition.
Early Traction and the Performance Claim
JustSolve’s reported metrics paint a picture of rapid, capital-efficient early growth. The company says it tripled revenue quarter-over-quarter in its first year without increasing operating costs [Forbes Italia, September 2026]. It also claims a 3x increase in unspecified performance metrics over the same period [MapCo, 2026].
For its initial clients, the value proposition is straightforward recovery rates. JustSolve states that customers like Scalapay have seen up to double the recovery rates using its system [Forbes Italia, September 2026]. The platform provides a centralized analytics dashboard, giving finance teams real-time visibility into the collection pipeline [alimentapress.it, 2026].
| Role | Name | Key Background |
|---|---|---|
| Co-Founder & CEO | Alberta Trombetta | 7 years in litigation/commercial law [WorkNation, September 2026] |
| Co-Founder & CTO | Francesco Manicardi | Former Forward Deployed Engineer, Palantir [User Francesco Manicardi - Stack Overflow, 2026] |
| Financial Analyst | Luca Maistrello | Former BCG & Amazon [Luca Maistrello - FA @JustSolve |
The Regulatory and Scale Hurdles
No automation of financial processes is without its hurdles. JustSolve’s ambitions rest on navigating two primary categories of risk.
- Compliance complexity. Debt collection is one of the most heavily regulated areas in finance, with rules varying not just by country but often by region or municipality. An AI agent must be meticulously programmed to operate within these boundaries, and any misstep could carry significant liability. Trombetta’s legal background is the company’s first line of defense here.
- Market expansion. The startup’s early success is in Italy. Scaling its model across Europe, let alone globally, means contending with a patchwork of different laws, languages, and cultural norms around debt and negotiation. The €3.7 million war chest will be tested by the cost of this localization.
- Competitive response. While no direct competitors are named in available sources, the space is attracting attention. Larger legacy collection software providers and other AI-native startups will likely move into the automation wedge JustSolve is carving out.
The company’s answer to these risks appears to be a focus on depth before breadth. By automating the entire pre-legal workflow for a specific client profile,companies with high volumes of small-ticket debt,it aims to build a robust, compliant system that can later be adapted [BeBeez, 2026].
The Next Twelve Months
The immediate roadmap is defined by the pre-seed round. Headcount will nearly quadruple. Product development will continue, likely focusing on enhancing the negotiation logic and reporting capabilities that appeal to enterprise finance teams. The first steps toward international expansion will begin, a move that will serve as a critical test of the infrastructure’s adaptability.
Base10 Partners leading a €3 million equity check is a notable signal. The firm, known for its automation thesis, is betting that JustSolve’s agentic approach can systematically lower the cost of recovery and own a foundational layer in credit management. The question for Trombetta, Manicardi, and their growing team is whether they can translate early traction in Milan into a standard for collections across Europe.
Sources
- [Forbes Italia, September 2026] JustSolve, 3,7 milioni per digitalizzare il recupero crediti con l’IA | https://forbes.it/2026/09/16/justsolve-37-milioni-digitalizzare-recupero-crediti
- [Finsmes, September 2026] JustSolve Closes €3.7M Pre-Seed Funding | https://www.finsmes.com/2026/09/justsolve-closes-e3-7m-pre-seed-funding.html
- [WorkNation, September 2026] JustSolve Raises €3.7M to Build AI Debt Collection Agents | https://worknation.buzz/news/justsolve-raises-3-7m-ai-debt-collection
- [BeBeez, 2026] JustSolve company profile | https://www.bebeez.it/
- [inforcapital.com] JustSolve - Inforcapital | https://inforcapital.com/companies/justsolve/
- [MapCo, 2026] JustSolve profile | https://mapco.com/
- [alimentapress.it, 2026] JustSolve article | https://www.alimentapress.it/
- [User Francesco Manicardi - Stack Overflow, 2026] Francesco Manicardi Stack Overflow profile | https://stackoverflow.com/users/22350732/francesco-manicardi
- [Luca Maistrello - FA @JustSolve | Ex BCG & Amazon, 2026] Luca Maistrello LinkedIn profile | https://www.linkedin.com/in/lucamaistrello/