The right channel. At the right moment. Collect more. Spend less.

AI agents that talk to every customer by phone, WhatsApp and text message. They understand their situation, negotiate the payment, and keep the context across every channel.

Watch video • Ed Escobar - Co Founder

[+] Trusted by banks, lenders, fintechs, insurers and services

Disconnected channels

The call promises one thing, WhatsApp threatens, email reports. Five channels talk to the same customer — and none of them knows what the other said.

C Hi, I'm calling from the bank. Am I speaking with Nicolás?

Yes, speaking.

C Nice to meet you, I'm Camila from the bank. I'm calling about an overdue payment, 3 days late, for ten thousand pesos. Could you confirm whether you'll pay within the next 48 hours?

Camila, sorry, I I don't understand. How much how much do I owe?

C You owe ten thousand pesos for a personal loan issued on September fifteenth at branch 55. Could you confirm whether you will pay within the next 48 hours?

Now, a single brain

Voice, WhatsApp, SMS and email — one agent, with all the context. Your customer never repeats themselves, and every conversation builds on the last.

Hi, this is Kleva, calling on behalf of the bank. Am I speaking with Nicolás?

Yes, speaking.

Nice to meet you, I'm Camila from the bank. I'm calling about an overdue payment, 3 days late, for ten thousand pesos. Could you confirm whether you'll pay within the next 48 hours?

Camila, sorry, I I don't understand. How much how much do I owe?

You owe ten thousand pesos for a personal loan issued on September fifteenth at branch 55. Could you confirm whether you will pay within the next 48 hours?

Ah, it's just that ten thousand pesos is a lot of money, I've been out of work since last month.

I understand. We can register a partial agreement: $3,000 now and the rest in 30 days. Would that help?

Yes, I think I can manage that.

Perfect, it's registered. You can come pay within the next 48 hours.

Call In progress…

One brain on every channel

Voice, WhatsApp, SMS and email share the same logic and context. The customer gets the message on the right channel, with no contradictions.

Watch it collect.

A real conversation, from start to finish.

No script: Kleva understands the situation, negotiates a partial agreement and brings the account up to date.

Natural conversations

It knows when you've finished speaking and doesn't interrupt.

LATAM accents

Trained on the real Spanish of the region.

Handles the real world

Background noise, bad signal or crossed calls.

Low latency

Responds in real time, with no awkward pauses.

Transcript

Can you confirm whether you'll make the payment this week?

Yes, this Friday when… (pause) …when I get paid I should be able to.

Perfect, it's registered for Friday.

Connect your stack. Kleva
works where you already work.

Read and write in every system where your portfolio lives — core banking, CRM, WhatsApp Business, dialer and spreadsheets. No migrations and no months-long project.

Core banking CRM Spreadsheets WhatsApp Voice SMS Email

Understand your portfolio.

Every conversation becomes information we hand back to you.

We know who will pay and who needs a nudge

Why they don't pay, grouped and actionable

The best channel and the best moment, by segment

Who promises, who delivers and who to follow up

Collect more, spend less.

Every conversation becomes information we hand back to you.

More recovery

Personalized collections with every customer

More contact

On the right channel at the right time

More commitment

Promises to pay that are actually kept

Lower cost

Per account and per contact, at any scale

The foundation of modern collections in Latin America.

Omnichannel

Voice, WhatsApp, SMS and email — a single brain

Launch fast.
Scale even faster.

Connect your portfolio

Upload a focused portfolio and connect it to your core or CRM. No heavy integration, no months-long project.

Define the rules

Approved language, schedules, contact caps and escalation. Your compliance team reviews and signs off.

Launch and measure

Agents start contacting in under 20 days. You measure contact, commitments and recovery from week one.

Start with one portfolio. And one agent.

Most teams start with a focused pilot: one portfolio, one agent, clear limits and measurable results in weeks.

We work directly with your risk, compliance and operations leaders to design something you'd confidently show your regulators.

One focused portfolio, a single agent
Language and limits your compliance approves
Measurable results in weeks
No long-term commitment

What the media says

Kleva is covered by the leading technology and finance publications across the region.

24/05/2026

Ed Escobar y Juan Martín Pagella impulsan Kleva, agentes de IA para cobranzas.

La startup creada hace dos años por un ex tenista venezolano y un graduado de la UBA desarrolla agentes de inteligencia artificial para mora temprana que reducen siete veces los costos frente a call centers y recuperan 3% más.

Frequently asked questions

Have more questions? hello@kleva.co

[01] How quickly do we see ROI?

Most clients see a 70% cost reduction within 30 days. Our AI agents start calling immediately after the 3-week implementation, processing thousands of accounts a day at a fraction of a human agent's cost.

[02] What makes Kleva different?

We're built specifically for Spanish-speaking markets. Native-level Spanish understanding, full compliance with local regulations and AI trained on millions of real collection calls. We don't translate: we understand.

[03] Does it really comply with regulation?

100% compliant in Mexico, Brazil, Colombia, Guatemala, Ecuador and Peru. Our AI automatically adapts to each country's regulations and records every interaction for audit purposes.

[04] What about integration?

We integrate with all major banking systems and CRMs. If you have an API, we can connect. Implementation takes 2 to 3 weeks, including training and compliance setup.

[05] What if a debtor wants to talk to a person?

Seamless handoff to your human agents when needed. The AI brings all the context and call history so your agents pick up exactly where it left off. Most debtors actually prefer the AI: it's more patient and less judgmental.

[06] How secure is our data?

Bank-grade security with SOC 2 Type II certification. All data encrypted at rest and in transit. Hosted on AWS with full redundancy. We meet every regulatory requirement for handling financial data.

[07] Do you offer a pilot program?

Yes. Start with 100-1000 accounts to prove ROI. Most pilots move to full deployment in under 20 days, once a clear improvement in recovery rates is seen. Pilots require no long-term commitment.