Lunos Raises $5M Pre-Seed to Collect Accounts Receivable Faster | The SaaS CFO | Lunos AI
•November 28, 2025
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Why It Matters
Lunos’ AI‑powered AR automation targets a $100 trillion B2B receivables market, promising faster cash flow and lower finance‑team overhead—an advantage that could reshape how companies manage working capital.
Summary
Lunos, a newly founded fintech startup, announced a $5 million pre‑seed round led by General Catalyst and Cherry Ventures to accelerate its AI‑driven platform that automates accounts‑receivable (AR) collection for B2B firms. Founder and CEO Duncan Berrigan, a former chief product and growth officer at GoCardless, explained that after a decade of building payment solutions he realized the core friction in B2B commerce lies in the communication and negotiation stage, not the settlement itself. Lunos therefore positions its AI “worker” as a digital agent that handles the email‑heavy, spreadsheet‑driven chase of invoices at the speed of software rather than humans.
The interview highlighted several data points: the B2B post‑payment market exceeds $100 trillion annually, and Lunos aims to capture a slice by first tackling the receivable side where most finance teams still rely on manual processes. The company launched a self‑serve product within weeks of the funding round and is pursuing a direct‑to‑CFO sales motion while keeping an eye on future partnership channels. Berrigan emphasized that the product must be so easy to adopt that even the smallest finance teams can hire the AI worker without extensive onboarding.
Notable remarks underscored the strategic mindset behind the raise. Berrigan said, “B2B payments is really a communication and negotiation problem rather than a payments problem,” and added, “We’re building a way for businesses to pay and get paid at the speed of agents rather than the speed of humans.” He also shared fundraising wisdom, noting that “the rejection ratio for startup capital is one of the highest you’ll encounter—only one ‘yes’ is needed, and you must stay resilient.” These insights illustrate both the market hypothesis and the founder’s experience‑driven confidence.
If Lunos can deliver on its promise, the implications are significant: faster cash conversion cycles, reduced administrative overhead, and a new AI‑first layer for finance operations. For CFOs and controllers, the platform could become a critical tool for scaling finance functions without proportionally increasing headcount. The $5 million infusion gives Lunos the runway to refine its product, expand its direct sales effort, and potentially shape the future of B2B receivables automation.
Original Description
In this episode of The SaaS CFO Podcast, Ben Murray welcomes Duncan Barrigan, founder and CEO of Lunos, to share his story and expertise. Drawing on a decade of fintech experience—including scaling GoCardless into a multi-billion dollar company—Duncan Barrigan discusses his journey from consulting to launching his own venture.
Tune in to hear how Lunos is tackling the longstanding challenges of B2B payments and receivables. Duncan Barrigan explains how AI workers are reshaping the manual processes of accounts receivable, making it easier for businesses to get paid with less effort and greater speed.
Whether you’re a SaaS CFO, finance professional, or startup founder, you’ll gain practical insights into fundraising, go-to-market strategy, and lessons learned from the trenches of building a fintech startup. Don’t miss this energizing conversation packed with actionable advice and real-world experience!
Show Notes:
00:00 GoCardless Growth Journey
06:09 "Swinging Big with Venture Capital"
10:06 "Similar Questions, Divergent Answers"
13:07 "Direct Motion and SaaS Solutions"
15:56 "Two-Model Service Approach"
17:12 "Optimizing Onboarding and Efficiency"
20:20 Instant Value via AR Scanning
Links:
SaaS Fundraising Stories: https://www.thesaasnews.com/news/lunos-ai-secures-5-million-pre-seed-round
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Subscribe to Ben’s SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page
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