Spain-based AI Platform Murphy Secures €12.8 Million In Pre-Seed Round

The funding round was led by Northzone, with backing from ElevenLabs, Lakestar, Seedcamp, and Enzo Ventures.

“We’re building AI-native infrastructure that replaces traditional call centres with a scalable, multilingual solution. It helps companies recover more, faster, and more cost-efficiently, while staying compliant and treating debtors with respect.” said Borja Sole, Co-founder and CEO of Murphy.

Founded in 2024 by Borja Sole and Marc Sanchez, Murphy is an AI-driven debt servicing platform designed to replace traditional call centres with fully autonomous agents.

It supports over 100 languages and works across multiple communication channels, helping businesses recover more debt, faster and at lower cost—while improving customer experience.

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Murphy combines expertise from FinTech, AI, and B2B SaaS to automate the debt recovery process with minimal human involvement. The platform uses personalized communication strategies and reportedly achieves 40% higher recovery rates than traditional methods, along with a 75% reduction in time spent on collections. Users can also track results through real-time performance dashboards.

Traditionally, debt collection has been slow and outdated, depending heavily on expensive call centres and one-size-fits-all approaches. Murphy aims to modernize this by using AI voice agents, omnichannel outreach, and behavioural personalization to help debt collection agencies and enterprises recover more—anytime, in over 30 languages.

“Debt servicing is a $300+ billion global industry that is ripe for disruption. After reviewing countless verticals, this stood out as a space where AI can make a major impact. Given their experience and relentless development speed, Borja and his team are uniquely positioned to transform this space,” said Jeppe Zink, Partner at Northzone.

Murphy’s AI technology is already being used by top financial institutions, telecom providers, and mobility companies across Europe. Its clients include banks, utility companies, and debt servicing firms around the world.

In under a year since launch, Murphy is managing hundreds of millions of dollars in debt, showing higher recovery rates and significantly lower operational costs than traditional methods.

“Murphy is delivering bottom line impact, to very large organisations in complex and regulated markets – that is extremely rare and a testament to the strength of the product the team has built,” adds Pascual Cortes-Monroy, VP at Northzone.

The company will use the funding to grow its product, expand its tech and sales teams, and accelerate its global expansion.

About Murphy

Murphy AI is an AI-driven debt collection platform that helps businesses recover overdue payments swiftly and effectively. Leveraging smart automation and AI agents, it ensures respectful, personalized communication throughout the process. Designed for efficiency Murphy AI streamlines collections while improving the overall customer experience.