JustSolve
Agentic AI Debt Collection team that allows organizations to recover more, spending less.
Website: https://just-solve.com/
Cover Block
From the public record
| Field | Value |
|---|---|
| Name | JustSolve |
| Tagline | Agentic AI Debt Collection team that allows organizations to recover more, spending less [just-solve.com] |
| Headquarters | Milan, Italy [Crunchbase] |
| Founded | 2024 [Inforcapital] |
| Stage | Pre-seed [Forbes Italia, September 2026] |
| Business Model | SaaS |
| Industry | Fintech |
| Technology | AI / Machine Learning |
| Geography | Western Europe |
| Growth Profile | Venture Scale |
| Founding Team | Co-Founders (2), Alberta Trombetta and Francesco Manicardi [Forbes Italia, September 2026] |
| Funding Label | Pre-seed |
| Total Disclosed | €3.7 million, including €3 million in equity and €700,000 in grants [Forbes Italia, September 2026] |
Links
From the public record
- Website: https://just-solve.com/
- LinkedIn: https://it.linkedin.com/company/just-solve
The Short Version
PUBLIC JustSolve builds AI software for credit management and pre-legal debt collection, and it merits investor attention now because it has paired an early enterprise use case with fresh institutional backing in a category where workflow automation can directly affect cash recovery economics [Finsmes, September 2026] [Forbes Italia, September 2026]. Founded in Milan in 2024, the company appears to have emerged through Vento Ventures' Reef venture-building program, with Alberta Trombetta moving from a seven-year legal career into company building and Francesco Manicardi bringing an engineering profile linked publicly to Palantir [Inforcapital] [WorkNation, September 2026] [Alberta Trombetta - JustSolve | LinkedIn, 2026] [User Francesco Manicardi - Stack Overflow, 2026].
The product thesis is straightforward: automate the pre-legal stage of collections with AI agents that handle borrower outreach across channels, negotiation, payment plans, case management, reporting, and escalation before matters move into more expensive legal recovery paths [WorkNation, September 2026] [alimentapress.it, 2026] [openpr.com]. That wedge is potentially attractive because the company is targeting high-volume, small-ticket debt workflows where labor intensity is high and speed matters, although most performance claims remain early and partly company-sourced [BeBeez, 2026] [Forbes Italia, September 2026].
Commercially, the public record is still thin but directionally encouraging. JustSolve has been named alongside customers including Scalapay, Qomodo, and Subbyx, and the company has claimed up to 2x recovery-rate improvements for customers plus roughly 1,000 debtor conversations per day, figures that suggest meaningful workflow throughput but still need broader third-party validation [MapCo, 2026] [Inforcapital] [Forbes Italia, September 2026].
On financing, the company disclosed a €3.7 million pre-seed in September 2026, consisting of €3 million in equity and €700,000 in grants, with Base10 Partners leading and participation from Entourage, 2100 Ventures, Vento Ventures, and Ithaca among others [Forbes Italia, September 2026] [AziendaBanca, September 2026] [openpr.com]. The business model is described as SaaS, and management has said the new capital will support commercialization, product development, international expansion, and headcount growth from six to 20 employees, which sets a clear operating agenda for the next 12 to 18 months [Forbes Italia, September 2026].
The near-term watchpoints are execution rather than category formation. Investors should look for evidence that reported early traction converts into repeatable enterprise deployments, that recovery gains hold across more customers than the few public names cited so far, and that the company can scale compliance-sensitive collections workflows beyond Italy without diluting product focus [Forbes Italia, September 2026] [MapCo, 2026] [Finsmes, September 2026].
Single-source, plausible -- Relies on one well-cited funding announcement cluster, supplemented by LinkedIn and secondary profile sources; core company facts are directionally corroborated, but traction and customer outcome claims remain only partly independently verified.
Taxonomy Snapshot
| Axis | Value |
|---|---|
| Stage | Pre-Seed |
| Business Model | SaaS |
| Industry / Vertical | Fintech |
| Technology Type | AI / Machine Learning |
| Geography | Western Europe |
| Growth Profile | Venture Scale |
| Founding Team | Co-Founders (2) |
| Funding | Pre-seed, total disclosed approximately $4,000,000 [Forbes Italia, September 2026] |
The Company in Brief
PUBLIC
JustSolve presents itself as a Milan-based company building an "Agentic AI Debt Collection team" for organizations trying to recover receivables more efficiently [just-solve.com]. Public company profiles place the business in Italy and date its founding to 2024, which is early enough that the corporate story is still mostly a formation-and-financing timeline rather than a long operating history [Crunchbase] [Dealroom].
The chronology that is publicly corroborated is short but clear. The company was founded in 2024, and by September 2026 it had announced a pre-seed financing of about $4 million, reported in euro terms as €3.7 million, to support commercialization, product development, international expansion, and team growth from six to 20 employees [Crunchbase] [just-solve.com]. Structured profiles and the company site do not, on the evidence provided here, establish a public legal entity name or state filing record, so the safer reading is that investors should treat the business as a recently formed Italian startup with a disclosed headquarters, named founders, and an early institutional cap table already in place [Crunchbase] [just-solve.com].
Single-source, plausible -- Grounded primarily in Crunchbase and the company website, with headquarters and founding period corroborated across public company profiles, but no state filing or legal entity record cited in this section.
What They Have Built
Mixed sourcing
JustSolve is selling into a narrow but operationally painful part of the receivables workflow: the pre-legal phase, where creditors still have room to negotiate before handing a case to lawyers or external agencies. Public descriptions are reasonably consistent on that point. The company describes itself as an "Agentic AI Debt Collection team" for organizations [just-solve.com], while financing coverage and startup databases describe the product as AI-native infrastructure for credit management and pre-legal debt collection [Finsmes, September 2026] [WorkNation, September 2026]. Across those sources, the core use case is not general customer service automation, but automating debtor outreach and recovery actions before formal legal escalation [WorkNation, September 2026] [Carlo Takki Rocchietta - Genio Media | LinkedIn, 2026].
The reported workflow is broader than a simple chatbot layer. According to public descriptions, JustSolve covers omnichannel borrower outreach, adaptive negotiation, payment plans, case management, reporting, and escalation to legal recovery [openpr.com]. Another source says the AI agents manage the process from first contact through formal communications and provide real-time visibility through a centralized analytics dashboard [alimentapress.it, 2026]. That combination matters because debt collection software tends to fragment across communication tools, case systems, and compliance-heavy manual steps. If the product works as described, the differentiation rests on workflow compression and decisioning inside a regulated operational process, not only on the model layer [openpr.com] [alimentapress.it, 2026].
Public traction claims are still early and should be read with caution, but they do help show how the system is intended to perform in production. Forbes Italia reported that the platform manages about 1,000 conversations with debtors per day and that customers including Scalapay, Qomodo, and Subbyx have seen recovery rates rise by as much as 2x [Forbes Italia, September 2026]. MapCo separately reported the same named customers and said the company showed a 3x quarter-over-quarter increase in performance metrics during its first year [MapCo, 2026]. Those are company-linked claims reported by third parties rather than independently audited operating data, so the functional picture is clearer than the technical one: the public record supports what the product does at a workflow level, but not yet how defensible the underlying system architecture is.
Inferred, not confirmed -- Product scope is supported by multiple public sources, but several material feature details and outcome claims rely on company-linked reporting or single-source coverage.
Market Size and Demand
PUBLIC The market matters now because collections teams are under pressure to recover more from small-balance receivables without adding headcount, and JustSolve is positioning itself at that operating bottleneck rather than at loan origination or core banking [Forbes Italia, September 2026] [BeBeez, 2026] [WorkNation, September 2026].
The available public record does not provide a third-party TAM, SAM, or SOM for JustSolve’s exact category, which appears to sit at the intersection of credit management software, debt-collection workflow, and applied enterprise AI. What is verifiable is narrower and still useful: multiple reports describe the product as AI-native infrastructure for credit management and pre-legal debt collection, aimed at organizations handling high volumes of small-value outstanding debts [Finsmes, September 2026] [BeBeez, 2026]. That framing matters because it suggests the initial addressable wedge is not the full receivables stack, but the pre-legal collections layer where outreach volume is high, unit economics are sensitive, and manual workflows become expensive quickly [WorkNation, September 2026] [alimentapress.it, 2026].
Demand signals in the public sources point to workflow strain rather than discretionary experimentation. Forbes Italia reports that JustSolve manages about 1,000 conversations with debtors per day and says the company tripled revenue quarter over quarter in its first year without increasing operating costs, while planning to scale headcount from six to 20 after the pre-seed round [Forbes Italia, September 2026]. Those figures are company-linked and should be treated cautiously, but they line up with the broader product thesis: if a collections team can automate omnichannel outreach, negotiation, payment plans, and case management before legal escalation, then the buyer case rests on labor efficiency and better recovery throughput rather than on a long-dated platform transformation [openpr.com] [alimentapress.it, 2026].
Adjacent markets are easier to define than the core one. JustSolve touches customer support automation, workflow software for financial operations, legal-tech handoff tooling, and risk or receivables infrastructure for lenders and consumer-finance platforms [openpr.com] [Finsmes, September 2026]. That adjacency cuts both ways. It expands the set of potential buyers beyond debt purchasers or traditional collectors, but it also means the company may encounter substitutes from broader CRM, contact-center, and fintech operations vendors whose products were not named in the source set.
Publicly cited sizing claims were not available for the exact market, so the most decision-useful numbers in the source set are operating and financing indicators that show where buyers may feel urgency.
| Cited market-relevant indicator | Value | Why it matters |
|---|---|---|
| Pre-seed financing raised | €3.7M | Capital raised to commercialize the platform and expand internationally suggests investor belief that the category can support venture-scale software outcomes [Forbes Italia, September 2026] |
| Equity portion of round | €3.0M | Shows the amount of fresh equity committed by investors, separate from grant support [Forbes Italia, September 2026] |
| Grant portion of round | €0.7M | Indicates some non-dilutive support behind product and expansion plans [Forbes Italia, September 2026] |
| Debtor conversations managed per day | ~1,000 | Implies the product is being pointed at a high-volume workflow where automation can matter economically [Forbes Italia, September 2026] |
| Planned team growth | 6 to 20 employees | Suggests management sees enough demand to invest ahead of scale, though this is a plan, not an achieved result [Forbes Italia, September 2026] |
The pattern in those numbers is modest but coherent. Public evidence does not size the market, yet it does show a company building for a repetitive, volume-heavy process where software can replace or compress manual effort, which is usually where early enterprise automation vendors find their first budget line.
Regulatory and macro forces are present indirectly in the way the company is described. Alberta Trombetta’s background in litigation and commercial law is cited repeatedly, and the product is framed around the pre-legal stage rather than around court enforcement, which suggests process compliance and communication quality are likely central to adoption even if the public sources do not enumerate jurisdiction-specific rules [WorkNation, September 2026] [Alberta Trombetta - JustSolve | LinkedIn, 2026]. More broadly, the product’s emphasis on recovering debt before costly legal action points to a buyer environment focused on preserving margins under tighter credit conditions and rising servicing complexity, especially among businesses managing many low-ticket receivables [openpr.com] [BeBeez, 2026].
Single-source, plausible -- Market-definition claims are supported by named public coverage, but no independent third-party market-sizing report for this exact category was captured in the source set, and several operating signals rely on company-linked reporting.
Who Else Is Fighting for This
MIXED JustSolve appears to sit in a crowded functional lane, credit management and collections software, but its stated position is narrower than a full servicing platform: it is focused on the pre-legal stage, where high-volume borrower outreach, negotiation, payment plans, and escalation logic can be automated before a file moves into costlier legal recovery [Finsmes, September 2026] [WorkNation, September 2026] [openpr.com].
The public record here is thin on named direct rivals, which matters because collections software is usually bought against an existing workflow rather than against a blank page. On one side are incumbents, the credit management, BPO, and servicing stacks already embedded inside lenders, BNPL providers, and receivables teams. On another are newer AI workflow vendors trying to automate customer contact and back-office decisioning across financial operations. Adjacent substitutes are also real, especially internal collections teams using generic CRM, dialer, messaging, and analytics tools stitched together in-house. JustSolve's own description suggests it is not trying to replace every system of record at once, but to win the pre-legal layer through AI agents and workflow orchestration across outreach channels [just-solve.com] [Finsmes, September 2026] [alimentapress.it, 2026].
That gives the company a plausible edge today, but it looks perishable unless product performance compounds into proprietary operating data. The strongest visible advantages are founder-market fit around legal workflow, via Alberta Trombetta's seven years in litigation and commercial law, and early technical credibility, via Francesco Manicardi's reported Palantir engineering background and public software profile [WorkNation, September 2026] [Alberta Trombetta - JustSolve | LinkedIn, 2026] [User Francesco Manicardi - Stack Overflow, 2026]. The customer set cited in public sources, Scalapay, Qomodo, and Subbyx, also suggests the team has found initial access into digitally native credit environments where collections volumes can justify workflow automation [MapCo] [Inforcapital]. Still, neither distribution nor regulatory moat is yet established in public evidence. If the product advantage rests mainly on agent UX and automation logic, larger incumbents or horizontal AI vendors could narrow that gap quickly.
The exposure is straightforward. Incumbents typically own the system of record, compliance workflows, and procurement relationships, which can make a specialized pre-legal vendor look complementary rather than core. That can still support a good wedge, but it limits control of budget and data unless JustSolve becomes embedded in decisioning and reporting, not only borrower contact. The company is also exposed to any buyer preference for established vendors when collections touches regulated communications and consumer treatment standards. Public sources say JustSolve manages about 1,000 debtor conversations per day and has reported strong early performance, including revenue tripling quarter over quarter in its first year, but those figures do not yet establish category leadership or long-term switching costs [Forbes Italia, September 2026] [MapCo].
The most plausible 18-month scenario is a bifurcation between specialized automation vendors that can prove recovery uplift and incumbents that defend the broader platform account. In that setup, JustSolve is a winner if pre-legal recovery remains a distinct budget line and if customer case volume creates training data that improves negotiation, routing, and repayment-plan outcomes over time [Forbes Italia, September 2026] [alimentapress.it, 2026]. The likely loser if buyers instead consolidate around incumbent servicing or credit operations suites is the stand-alone pre-legal automation layer, because the narrow wedge becomes a feature request rather than a system purchase. That does not make JustSolve's position weak, but it does mean the next phase of competition will probably turn less on product novelty and more on whether the company can convert early logos into repeatable distribution and evidence of durable recovery gains.
Opportunity
PUBLIC
The prize here is meaningful if JustSolve can become the software layer that high-volume creditors rely on before a file ever reaches lawyers, because pre-legal collections is a repetitive, labor-heavy workflow where even modest gains in recovery rates can carry direct financial value for customers [Forbes Italia, September 2026] [WorkNation, September 2026].
The clearest upside case is not that JustSolve becomes a general-purpose AI company, but that it becomes default operating infrastructure for pre-legal credit management in European fintech and adjacent receivables-heavy sectors. The public evidence is early, but it is not empty. The company is focused on a narrow workflow, credit management and pre-legal debt collection, and public descriptions consistently point to a broad operating surface inside that workflow: omnichannel outreach, adaptive negotiation, payment plans, case management, reporting, and escalation toward legal recovery [Finsmes, September 2026] [openpr.com] [alimentapress.it, 2026]. That matters because platforms that own the workflow, rather than a single point tool, usually have more room to expand wallet share once they are embedded.
Reachability, rather than aspiration, rests on two public signals. First, JustSolve has already disclosed named customers including Scalapay, Qomodo, and Subbyx, which suggests the product is in live operating environments rather than pilot-only mode [MapCo, 2026] [Inforcapital] Second, the company says customers such as those have seen up to double recovery rates, while JustSolve also reported revenue tripling quarter over quarter in its first year without higher operating costs and handling roughly 1,000 debtor conversations per day [Forbes Italia, September 2026]. Those are company-linked claims and should be read cautiously, but taken together they support the view that the platform may already be solving a painful enough problem to earn a durable place in the workflow.
| Scenario | What happens | Catalyst | Why it's plausible |
|---|---|---|---|
| Embedded fintech collections layer | JustSolve becomes the default pre-legal collections system for BNPL, consumer-credit, and payments companies in Italy first, then broader Western Europe | A few visible fintech customers expand usage across portfolios after early recovery gains, creating a reference-driven sales motion | Named customers already include Scalapay, Qomodo, and Subbyx, and the product is aimed at high volumes of small-value debts, a profile common in fintech receivables [MapCo, 2026] [BeBeez, 2026] |
| Full-stack credit operations platform | The company moves from collections automation into a broader credit-management system of record, spanning outreach, negotiation, reporting, and legal handoff | Product expansion around the workflow elements already described publicly, plus hiring funded by the pre-seed round | Public descriptions already cover outreach, payment plans, case management, reporting, and escalation to legal recovery, which gives the company a plausible path from point solution to system workflow owner [openpr.com] [alimentapress.it, 2026] [Forbes Italia, September 2026] |
| AI efficiency leader in a compliance-heavy niche | JustSolve wins by delivering better recovery performance at lower operating cost than manual or BPO-heavy alternatives, making it attractive even without category-wide platform ambitions | Continued proof that AI agents can raise recoveries without proportional headcount growth | The company reported revenue tripling quarter over quarter without increasing operating costs, and its financing is earmarked in part for commercialization and product development as the team scales from six to 20 employees [Forbes Italia, September 2026] [MilanoToday, September 2026] |
The compounding logic is straightforward. If JustSolve handles more borrower conversations, it should accumulate more data on which contact sequences, settlement options, and timing patterns lead to repayment across different debt profiles, then feed those learnings back into negotiation and case routing. Public materials do not prove a defensible data moat yet, but they do show the ingredients: roughly 1,000 daily conversations, multi-channel workflows, adaptive negotiation, and a centralized analytics layer [Forbes Italia, September 2026] [openpr.com] [alimentapress.it, 2026].
That can create a practical flywheel even before any formal network effect appears. Better workflows can improve recovery outcomes, stronger outcomes can produce customer references in a conservative buying category, those references can bring more portfolios onto the system, and greater volume can sharpen models and operating rules. The most relevant early signal is that customers have reportedly seen up to double recovery rates and that JustSolve says it achieved a 3x increase in performance metrics quarter over quarter in its first year [Forbes Italia, September 2026] [MapCo, 2026]. Neither figure is independently audited in the public record, but both are directionally consistent with a product that may improve as volume and process coverage expand.
The upper bound is hard to anchor because no public market-size dataset or directly comparable public peer was provided in the source set. Even so, a useful way to frame the upside is as a workflow owner inside credit operations rather than a narrow AI feature vendor. If the "embedded fintech collections layer" scenario plays out, and JustSolve becomes a trusted vendor across a meaningful share of European fintech receivables workflows, the outcome could resemble a valuable vertical software asset with strategic appeal to payments, lending, or servicing platforms (scenario, not a forecast). The evidence base for that claim is still early stage, but a company founded in 2024, with live named customers, a €3.7 million pre-seed, and a product surface that spans multiple steps of the collections workflow has at least the outline of a venture-scale path [Inforcapital] [Forbes Italia, September 2026] [Finsmes, September 2026].
Single-source, plausible -- Relies on one strong independent funding report set and several company-linked or single-source operating claims, with no public comparable valuation or market-size source in the provided materials.
Sources
From the public record
[just-solve.com] JustSolve | https://just-solve.com/
[Crunchbase] JustSolve - Crunchbase Company Profile & Funding | https://www.crunchbase.com/organization/justsolve
[Inforcapital] JustSolve - Inforcapital | https://inforcapital.com/companies/justsolve/
[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
[Alberta Trombetta - JustSolve | LinkedIn, 2026] Alberta Trombetta - JustSolve | LinkedIn | https://www.linkedin.com/
[User Francesco Manicardi - Stack Overflow, 2026] User Francesco Manicardi - Stack Overflow | https://stackoverflow.com/
[alimentapress.it, 2026] JustSolve raises 3.7M to build the agentic AI infrastructure for credit management and collection | https://alimentapress.it/
[BeBeez, 2026] JustSolve | https://www.bebeez.it/
[MapCo, 2026] JustSolve | https://mapco.it/
[AziendaBanca, September 2026] JustSolve, piattaforma AI-native per il recupero crediti, raccoglie 3,7 milioni | https://www.aziendabanca.it/notizie/fintech-insurtech/justsolve-raccoglie-3-7-milioni
[Dealroom] JustSolve - venture-backed company profile | Dealroom | https://dealroom.co/companies/justsolve
[openpr.com] JustSolve raises 3.7M to build the agentic AI infrastructure | https://www.openpr.com/news/4633163/justsolve-raises-3-7m-to-build-the-agentic-ai-infrastructure
[Carlo Takki Rocchietta - Genio Media | LinkedIn, 2026] Carlo Takki Rocchietta - Genio Media | LinkedIn | https://www.linkedin.com/
[MilanoToday, September 2026] Justsolve raccoglie 3,7 milioni di euro per costruire l’infrastruttura di AI agentica per la gestione e il recupero crediti | https://www.milanotoday.it/justsolve-raccoglie-3-7-milioni-di-euro-per-costruire-l-infrastruttura-di-ai-agentica-per-la-gestione-e-il-recupero-crediti.html
Articles about JustSolve
- JustSolve's AI Agents Manage a Thousand Debtor Conversations a Day — The Milan-based fintech, founded by a former lawyer and a Palantir engineer, raised a €3.7 million pre-seed to scale its agentic infrastructure for credit management.