Moonflow

Moonflow is a cloud-based software-as-a-service platform that automates accounts receivable management and debt collection processes for businesses across Latin America. The company provides AI-powered collection automation software that enables organizations to set up debt collection departments with virtual agents pre-integrated with billing systems, communication channels, and payment gateways. Moonflow's platform operates on three core layers: automated communications and payment reminders through multiple channels including WhatsApp, SMS, email, and calls; self-service portals for customers to manage their accounts payable; and multichannel monitoring capabilities. The system allows businesses to segment accounts receivable, design personalized customer communications, establish automated workflows, and access real-time analytics and key performance indicators to optimize collection strategies. The company was founded in 2023 and is headquartered in Lima, Peru, though it operates across 22 countries throughout the Americas. Mexico, Colombia, and Peru represent Moonflow's most important markets. The platform serves diverse industries including financial services, fintechs, healthcare, education, real estate, telecommunications, and professional services, targeting both business-to-consumer and business-to-business collection scenarios. Moonflow is listed as a member of FinTech México and has raised approximately $2.44 million in venture funding from investors including TheVentureCity, Magma Partners, Morro Ventures, Salkantay Ventures, and Amador Holdings. In October 2025, the company acquired Kobro, a Mexican fintech specializing in digital collections and reconciliations management. The company also operates Moonflow Academy, an educational initiative sharing best practices in debt collection management with collection professionals across Latin America.