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Our story

We imagine a world where the common experience of being behind on one's payments doesn't lead to shame, harassment, and undue pressure. We have to stop treating individuals like criminals and start making the system work, because debt isn't going away.

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We improve borrowers' lives by helping them get out of debt, while helping creditors improve their collections, preserve relationships with their borrowers, and ensure compliance. January’s larger goal is to facilitate the resolution of all past due and written-off debt. January’s first product offering is a technology-enabled collection agency service that enables creditors to recover more while reducing reputational, compliance, and operational risk, while giving borrowers more compassionate ways to get back on track.

January’s work has led to industry-leading borrower satisfaction, expansion across all of their clients, and some of the largest logos in the credit union, debt buying, and fintech verticals.

Our history

Jake starts working on Debtsy.
We raise a Seed Round, go live with our first credit union clients, and hire our first team members!
We partner with some of the largest credit unions and fintech lenders in the country.
We raise our $10m Series A, double our headcount to 30, and continue to see rave borrower and creditor client reviews!
We rebranded our company to January.

Our leadership team

CEO photo

Jake Cahan


Director of product photo

Sam Shaffer

Director of Product

Director of operations photo

Tyler Gillies

Director of Operations

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Matt Flower

VP of Engineering

Director of people photo

Vanessa Warlow

Director of People

Our investors

IA Ventures
Third Prime
Brewer Lane Ventures
Tribe Capital
Reciprocal Ventures

Our cultural values

assume positive intent

Assume positive intent

We believe that we’re surrounded by a team of individuals that each contributes their all. We assume the best of intentions from each other. Ultimately, we believe that the assumption of positive intent improves relationships, collaboration, and our own satisfaction.

cultivate frequent feedback

Cultivate frequent feedback

By surfacing feedback regularly, we identify problems and opportunities, correct misperceptions, improve alignment, and accelerate our own and our company’s development. We embrace short feedback loops through weekly one-on-ones, bi-monthly reflections, and more.

achieve speed through rigor

Achieve speed through rigor

We believe rigorous prioritization and decision making is the best way to work efficiently and deliver quality results. At the same time, we must make progress in the face of uncertainty. Rigor doesn't mean waiting for perfect information. It means making the best decision possible with the information you have or can easily acquire in proportion to risk.

celebrate the wins

Celebrate the wins

We believe that having fun, maintaining good humor, and celebrating all wins makes the journey that much better for us all. We celebrate the small wins along the way: a borrower testimonial or payment, an improvement in a part of our funnel, a client placing more accounts with us, improved margins, or finding a great new place for lunch. In fact, we even have a #wins channel to share and catalog these achievements.

embrace process over outcome

Embrace process over outcome

Over time, more thoughtful decision-making will lead to better overall results. Results matter a lot. That said, we appreciate that good decisions and good processes can have bad outcomes. As a result, we focus on judging decisions not only on the outcome, but the process behind them. Thoughtful process should enhance, not handicap, execution.

Start with Why

Start with Why

There are countless layers of “why?” to our actions and decisions. The closer we get to the crux of a matter, the better we can answer questions around relevance, urgency, impact, and trade-offs. Ultimately, sharing the “why” through context-setting facilitates better decision-making, collaboration, and stakeholder alignment.

celebrate initiative

Celebrate initiative

We believe that the company that makes thoughtful decisions fastest will win. We succeed when team members know when to take initiative. We have benefited so much from when new hires and tenured team members have shared and acted on their perspectives without prompting.

cherish writing

Cherish writing

Thoughtful writing scales ideas. As a distributed team in a heavily-regulated industry, good writing improves collaboration, minimizes information silos, and ensures we execute against our strategy and necessary protocols.