Celeste AI
Celeste uses AI to collect SMB loan payments.
At a glance
Starts at
$29 per month
Price as published by the vendor, September 2026.
Free tier
No
Platforms
Web, macOS, Windows
Best for
SMB lenders and debt buyers
Not for
Highly customized collections strategies
3.9 out of 5
Scored by Alex after real useOur verdict
Uses AI for efficient collection but lacks manual overrides.
✓What it does well
Intelligent AutomationAutomate collections using AI agents with no guesswork needed.
Real-Time InsightsSee borrower behavior and risk the moment it changes.
Measurable GrowthCut manual work while boosting recovery rates significantly.
✕Where it falls short
Manual OverridesDoes not support manual collector interventions or adjustments.
Static DataRelies on static data rather than dynamic risk assessment.
Limited CustomizationLacks advanced customization for highly specific collections strategies.
Key features
AI AgentsAutomate collection using AI agents.
Real-Time InsightsProvide real-time borrower risk and behavior insights.
Measurable GrowthTrack recovery rate improvements with measurable data.
Dynamic Risk AssessmentProvides adaptive risk evaluation based on borrower behavior.