Receiving new portfolios · Q2 2026Ley 2300 · Account holder form

Asset Management · Distressed Portfolios · 2026

We transform
debt
into opportunities.

We recover opportunities, we rebuild futures

We recover opportunities, rebuilding futures

We acquire, manage and recover financial assets with advanced models — integrating technology, legal analysis and strategic execution.

Presence

5countries

Sectors

6verticals

Languages

3operational

Portfolio indicators

EN VIVO

Nominal value purchased

> 2billion

COP · +4.3% YoY

Account holders served

1.2M

+14k

Cases managed

> 500k

+3.1% QoQ

Voluntary payment

68.2%

+2.4 pp

DPD > 180

62.4%

-0.6 pp

Response time

< 48h

SLA met

Titulares que inician pago voluntario · 12 meses

abr 25oct 25abr 26
Novartec

We recover opportunities, we rebuild futures.

TECHNOLOGY · EXPERIENCE
· Results

01 · What we do

Comprehensive management
of distressed assets.

Acquisition, management, recovery and reinclusion — a single traceable pipeline that turns charged-off portfolios into second chances.

// origin

>2trillion COP

Portfolios acquired to date · 2018 → 2026.

// process

4/stages

Acquisition, management, recovery and reinclusion — one traceable pipeline.

// response

68.2%

Of holders begin voluntary payment after first contact.

02 / Services

Five lines. One strategy.

Integrated pipeline of acquisition, management, execution, intelligence, and reinclusion.

01 · Flagship

Portfolio acquisition

Evaluation, due diligence, and deal structuring with financial, commercial, and fintech originators.

~14d Due diligence+2bn Portfolios eval.92% Close rate
Request evaluation

02

Management & recovery

Strategies segmented by delinquency, channel, and profile — ethical by default, with auditable reporting.

03

Legal execution

Standardized litigation pipeline with procedural SLA and continuous review.

04

Asset intelligence

Identification, analysis, and verification of assets that strengthen the legal strategy.

05

Financial reinclusion

Normalization, discounts, and positive reporting to credit bureaus — returning the borrower to the system.

∴ Differentials

Why they choose us.

6 reasons · 5 countries · 7 years

Experience

2018 → 2026, 5 countries, >2 bn COP evaluated

Human approach

Your holders, protected — no harassment

Auditable reporting

Monthly case-by-case traceability

Compliance

Habeas Data · SFC · regional regulation

Agile closing

Typical evaluation in ~14 business days

Technology

AI · scoring · end-to-end BI

03 / Why clients choose us

Institutional by design.

Every operational decision reflects institutional standards — not coincidence.

/01
Proprietary analytical modelsScoring + portfolio segmentation
+
/02
Full traceabilityAudit of every action, reporting to originators
+
/03
Efficient legal executionStandardized litigation pipeline with SLA
+
/04
Ethical approachCompliance with SFC · SIC · Ley 2300 de 2023
+
/05
Applied technologyAI + Machine Learning + BI + API integrations
+

04 / Process

From charged-off asset to second chance.

Four stages. One unified traceability.

01

Purchase

Due diligence, valuation, and closing. We engage only when the case justifies it.

~14dClosing time
02

Management

Portfolio segmentation and multi-channel activation — ethical by default.

6Active channels
03

Engagement

Out-of-court route prioritized — we facilitate the borrower paying with dignity.

68.2%Voluntary payment
04

Reinclusion

Normalization, strategic discounts, and return to the financial system.

+reportPositive SIC

05 / Scale

Data-driven. At regional scale.

Proprietary models + institutional execution. Five countries, one standard.

Data-driven

Account holders initiating voluntary payment · last 12 months

M1 · 32%M6 · 63%M12 · 89%

Five countries. One standard.

Five countries. One standard.
ColombiaMexicoBrazilPeruChile
>0billion COP

Portfolio acquired · 2018 → 2026

0.0M

With case-level traceability

>0K

Active engagement

<0h

SLA to institutional originators

06 / Compliance

Transparency, by regulatory framework.

Full compliance with financial, data protection, and anti-money-laundering frameworks.

Ley 2300 de 2023Form enabled for account holders
Habeas Data · Ley 1581Published data processing policy
SFC / SIC supervisionPeriodic reporting in progress
SAGRILAFT / PTEEManual + designated officer
ISO 27001 · SecurityImplementation · 2026

Account holder service channel

Access, consult, update, rectify, or delete your personal information.

Direct line

(601) 744 2079

Response time

≤ 15 business days

Compliance officer

Currently designated

07 · Dialogue

Let's talk.

With dignity.

An analyst will review your case and respond with a personalized proposal within 48 business hours.

BOGOTÁ · HQ

Calle 17 #40-29

300 913 6763

(601) 744 2079

ITAGÜÍ

Calle 76 #45a-09

300 912 6894

(604) 475 8383

VOLUNTARY PAYMENT

Agreements that work for you.