Prodigal

Lending Intelligence Software

3.8Score#181 of 999 agents#6 of 27 in Billing and collections agent

Why it ranks #181

Prodigal, an AI billing and collections agent from YC S18, ranks #181 of 999 AI agents and #6 of 27 in Billing and collections agent, with a score of 3.8 of 10. Data as of 3 Oct 2026.

The score adds four parts, each 0 to 10, by weight. Every point comes from public evidence. How scoring works ·

Proof 0 × 30% 0.0
Scale 8 × 30% 2.4
Momentum 2 × 25% 0.5
Autonomy 6 × 15% 0.9
= 3.8

Proof
Do customers use it? 30% of the score
0
No public claims of customers or revenue yet.
Not found: revenue or growth (+4), named customers (+3), a customer result (+2), a customer count (+2), work done at scale (+2)
Scale
Is there a real company behind it? 30% of the score
8
99 people, raised $12M.
- +6
  99 people on its YC page50 to 99 people
- +2
  Raised $12M[Funding alert] Debt-collection software maker Prodigal raises $12M led by Menlo VenturesSource · 22 Jul 2021
Momentum
Is it shipping and growing now? 25% of the score
2
Shows hiring.
- +2
  Hiring: 2 open rolesMid Market Account Executive, Finance Manager YC page
Not found: launch YC post in the last 6 months (+3), new traction claim in the last 6 months (+2), funding news in the last year (+2), a batch in the last year (it is YC Summer 2018) (+1)
Autonomy
How much of the job does it do on its own? 15% of the score
6
Supervised agent: takes actions in other systems; a person approves key steps.
- +6
  Level 2 of 4: Supervised agentTakes actions in other systems; a person approves key steps.
What the model read
- Acts in other systems: 80% likely
- Finishes whole tasks: 32% likely
- Calls itself an agent: 99% likely
Level 2: Takes actions in other systems; a person approves key steps.

About Prodigal

We build AI agents for loan servicing and collections

Prodigal has AI agents for loan servicing and collections. Our AI agents and apps help teams improve margins, run leaner operations, and maximize payments.

We are working towards an Agentic vision for consumer finance wherein our AI agents automate critical roles, enhance operations, and drive revenue.

Headquartered in Mountain View, California, Prodigal's global team combines deep expertise in financial services, AI research, and product innovation, driving efficiency and transformative results across the consumer finance landscape.