Kleva Pitch Deck

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AI Collections for
Latin American
Finance

$37K MRR
20% better recovery
60% lower cost
1

The $1.8 Billion Discovery

$1.8B
Nubank needs to collect TODAY
45,000
New customers daily
400,000
Human collectors needed

"Half my company, 200 people, does nothing but make collection calls all day. And we're drowning."

- Tito, CEO of Vana (Guatemalan microfinance)

While building AI for McDonald's, we discovered every fintech in Latin America faces the same crisis: They're adding credit faster than they can collect.

The Timing Secret

Unlike order-taking where success is binary, collections has a secret: timing is everything. The difference between calling at 2 PM vs 6 PM can mean 3x higher collection rates. Only AI can call everyone at their optimal time simultaneously.

2

Neobanks: Creating an Unprecedented Crisis

Nubank

  • 📊 122.7M customers
  • 💰 $27.3B loan portfolio
  • 🔴 $1.8B in serious delinquency
  • 📈 Adding 1.3M monthly
  • ⚠️ 6.6% NPL rate

MercadoPago

  • 👥 61M monthly active users
  • 💳 $6.6B credit portfolio
  • 📈 74% YoY growth
  • 💸 $197B payments annually
  • 🚀 118% credit card growth

Why Human Collections Is Already Dead

Nubank needs 400,000 collectors for current delinquencies.
Cost: $800M/year in salaries alone.
This would increase their costs 20x, destroying their unit economics.

The choice is simple: automate collections or stop growing.

3

The Human Cost of Collections

👤

Maria's Daily Reality

⏰ Starts work at 8 AM

☎️ Makes 80 calls

😤 Gets yelled at 40 times

✅ Collects from 5 people

😔 Goes home exhausted

📅 Quits in 3 months

Multiply Maria by millions across Latin America.

That's the crisis.

3mo
Average tenure
75%
Annual turnover
$400
Monthly salary
4

The Breakthrough: AI Dominates

We thought we'd just save money. Our AI didn't just work, it dominated.

20%

More money collected

60%

Less cost

92%

Debtor satisfaction

Why Debtors Prefer AI

No Judgment

AI doesn't shame or blame

Infinite Patience

Never gets frustrated

Always Available

24/7 when convenient

5

Our Unfair Advantage: Simultaneity

"This blew my mind. You're not just replacing humans with cheaper AI. You're doing something humans physically cannot do—reaching everyone at their optimal moment."

- Collections Expert with 20 years experience

👥
Human Collections
  • Call sequentially, one by one
  • 9 AM to 6 PM window
  • Miss optimal contact times
  • Limited by agents × hours
  • Can't test timing at scale
🤖
Kleva AI
  • 10,000 calls at 6:15 PM sharp
  • Hit everyone's optimal moment
  • Test and adapt instantly
  • No capacity constraints
  • 3x better contact rates

If Tuesday at 7 PM collects 3x more than Monday at 2 PM,
we call everyone on Tuesday at 7 PM.

6

Real Revenue, Growing Fast

$37K
Current MRR
$158K
Pipeline (Q4)
150K
Minutes/Month

Live Customers

Vana

Microfinance

$17K per month
ADT

Security

$15K per month

Scaling to $167K potential

DirecTV

Satellite TV

$5K per month

Scaling to $25K potential

Closing Q4 2025

Diners Club

Ecuador

$33K/mo

Banco Pichincha

Ecuador

$17K/mo

Ficohsa

Guatemala

$33K/mo

Bancor

Argentina

$75K/mo

Sancor Seguros

Argentina

$45K/mo

Total Pipeline: $203K MRR
7

Simple, Proven Economics

Implementation

$5-15K One-time setup

Gross Margin

48% Current

Payback

<30 Days

Churn

0% So far

Volume-Based Pricing

Minutes/Month Price/Minute Typical Monthly Cost vs Human Cost
40K minutes $0.197 ~$8K 94% cheaper
90K minutes $0.184 ~$17K 94% cheaper
200K minutes $0.171 ~$34K 95% cheaper
500K+ minutes $0.158 ~$79K+ 95% cheaper

Why This Works

✓ Upfront payment aligns incentives

✓ Customization is critical for success

✓ Month-to-month contracts (low friction)

✓ Usage-based scales with customer growth

8

The Math to $2M MRR

Just two neobanks = massive opportunity

Nubank

$1.8B

in collections

0.2% share = $3.6M/month

MercadoPago

$400M

in collections

0.2% share = $800K/month

Path to $2M MRR

Option 1

40 enterprises

at $50K average

Option 2

20 large banks

at $100K average

Option 3

0.1% market

of neobank collections

9

Dual Strategy for Rapid Scale

Direct to Banks

  • ✓ Top 20 neobanks targeted
  • ✓ Land with pilot, expand fast
  • ✓ Enterprise contracts
  • ✓ $50-200K MRR per bank

Through Agencies

  • ✓ 300+ agencies in LATAM
  • ✓ White-label offering
  • ✓ Revenue share model
  • ✓ Trojan horse to banks

Geographic Expansion

NOW

Guatemala

Ecuador
Argentina

Q1'26

Mexico

Colombia

Q3'26

Brazil

Biggest prize

Q1'27

USA

Hispanic market first

Why agencies accelerate growth: Once banks see their agency using AI to deliver better results at lower costs, they want it in-house too.

10

The Window Is Closing Fast

🚀 Neobank Growth

  • • Nubank: +1.3M customers/month
  • • MercadoPago: 74% credit growth
  • • Credit growing faster than collections

📈 Delinquency Exploding

  • • Brazil: 77.5% families in debt
  • • Argentina: 4%+ delinquency
  • • US: 109% YoY rise in defaults

🤖 AI Finally Works

  • • Perfect Spanish/Portuguese
  • • Costs dropped 95% in 2 years
  • • Voice synthesis sounds natural

🌎 LATAM Ready

  • • Lower regulatory barriers
  • • Desperate for solutions
  • • Faster decision-making

Every month we wait = millions more uncollected accounts

11

Collections Special Forces

9 obsessed builders from Sidetool

Ed

CEO & Cofounder

Leading company & revenue growth. Building sales engine to scale from dozens to hundreds of clients.

JM

COO & Cofounder

Runs operations & customer success. Ex-Sirena. Gets customers to "wow moment" in days.

Nicolás Mencia

Collections Expert

10+ years in collections, ex-MercadoPago. Knows what actually works in LATAM.

Gonza

Product Owner

Lives in customer data, ensuring value every day. Understands both business and tech.

Santi

Lead Dev

Perfecting orchestrator, obsesses over prompts, latency, RAG. Makes conversations natural.

Lila

Full Stack Dev

Built 94% address accuracy for McDonald's LATAM (Google: 70%) in one weekend.

Os

Telephony Infrastructure

Built multi-instance Asterisk handling 1000s of simultaneous calls. Powers everything.

Juli

Quality & AI Supervisor

Reviews every call, catches edge cases, building AI supervisor for auto-grading.

Muni

Frontend

Creates dashboards clients love: clean, intuitive interfaces making complex data actionable.

Our Obsession Level

$100K

Self-funded

3 months

To revenue

150K

Minutes monthly

12

Our Immediate Priorities

Specialized Agents

  • • Pre-mora (preventive)
  • • 1-8 days (gentle)
  • • 8-15 days (negotiation)
  • • 15-30 days (settlement)
  • • 30+ days (hardship)

Compliance

  • • SOC 2 certification
  • • ISO 27001
  • • Country frameworks
  • • NMLS for US entry

Infrastructure

  • • Multi-provider redundancy
  • • 99.9% uptime
  • • Millions of concurrent calls
  • • 1-week onboarding

December 2025 Targets

$150K
MRR
900K
Minutes/Month
22%
Profit Margin

Nubank needs us. MercadoPago needs us.
Every growing lender in Latin America needs us.

13

We Have the Team.
We Have the Technology.
Let's Build This Together.

Ed Escobar, CEO & Co-founder

14