Lunos

High-Level Overview

Lunos AI is a New York City-based fintech startup that builds AI agents to automate accounts receivable (AR) processes, helping businesses streamline payments, reduce manual work, and improve cash flow.[1][2][3] It serves finance teams across industries by integrating with tools like QuickBooks, NetSuite, Salesforce, and HubSpot, analyzing customer interactions via Slack, email, and its web app to handle outreach, follow-ups, reconciliations, and two-way conversations.[1][3] Launched publicly in September 2025 with a $5 million pre-seed round led by General Catalyst and Cherry Ventures, Lunos addresses B2B payment inefficiencies—where businesses often fail due to slow cash flow—by enabling AI-driven, agent-to-agent commerce for faster settlements.[1][2] Early momentum includes white-glove and self-serve options, with plans to add payment orchestration and embeddable agents for accounting platforms.[1]

Origin Story

Founded in 2024, Lunos AI emerged to tackle the "Wild West" of B2B accounts receivable, where manual emails, PDFs, and finance team labor persist despite tech advances in consumer payments.[2] The idea crystallized around replicating human AR workflows with AI agents that understand context from customer records and interactions, founded by a team including Barrigan (likely a key figure, referenced in launch materials) who envisioned AI workers powering efficient agent-to-agent B2B commerce.[1][2] Pivotal early traction came with the September 30, 2025 public launch and $5M pre-seed funding co-led by General Catalyst and Cherry Ventures, plus angels from Eli Lilly, Trustly, Deliveroo, Typeform, and GoCardless—validating its approach to a core business pain point.[1][2] Headquartered in NYC, it quickly rolled out integrations and a unified AR dashboard.[3]

Core Differentiators

Lunos stands out in AR automation through contextual AI and seamless integrations:

• Human-like intelligence: Analyzes every customer interaction daily, adapting tone, timing, and strategy to maintain relationships while prioritizing payments—unlike rigid, no-reply tools.[1][3]
• Multi-channel handling: Manages personalized emails, calls, Slack/email chats, and follow-ups (e.g., after payment promises), plus reconciliations, without awkward scripting.[1][3]
• Deep integrations: Connects ERPs (QuickBooks, NetSuite), CRMs (Salesforce, HubSpot), and payment processors for a unified view, eliminating fragmented systems and spreadsheets.[3]
• Network vision: Builds toward AI agents communicating autonomously for B2B payments, with upcoming features like end-to-end cash flow optimization and embeddable agents.[1][2]
• Ease of use: Self-serve platform with 24/7 operation, white-glove support, and simple to-do lists—freeing teams for high-value work.[1][3]

Role in the Broader Tech Landscape

Lunos rides the AI agent wave in fintech, automating a $trillion-scale B2B payments market plagued by manual AR—responsible for many business failures via cash flow gaps.[1][2] Timing aligns with maturing LLMs enabling contextual, multi-turn conversations, shifting from basic invoicing bots to proactive agents that "get the story" behind accounts.[3] Favorable forces include ERP/CRM adoption, rising AI infrastructure costs favoring specialized tools, and demand for efficiency amid economic pressures on SMBs.[1][2] It influences the ecosystem by pioneering agent-to-agent commerce, potentially embedding in platforms like QuickBooks to normalize AI for AR and accelerating B2B payment rails toward real-time settlements.[1]

Quick Take & Future Outlook

Lunos is poised to scale its AI AR agents with the $5M raise, prioritizing team expansion, reconciliation, payment orchestration, and partnerships for embedded tech—targeting broader cash flow mastery.[1] Trends like multi-agent systems and AI-native finance stacks will amplify its edge, especially as B2B lags consumer payments. Its influence could evolve from AR specialist to backbone of agent-powered commerce, taming receivables chaos and preventing failures—but success hinges on proving ROI amid AI hype. Tying to its mission: by making payments predictable, Lunos turns the Wild West into a smooth highway for business growth.[1][2][3]