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CobranzaOnline.com
Debt collection and credit reporting for SMEs
About CobranzaOnline.com
CobranzaOnline.com, which now operates as part of a broader portfolio called Faaro, is a fintech company specializing in debt collection and normalization services for Small and Medium-sized Enterprises (SMEs) and the factoring industry in Latin America. Founded in March 2018 by Alejandro Pérez and Luis Briones, the company was created to address the significant challenge SMEs face with unpaid invoices, a problem often overlooked by traditional collection systems geared towards larger corporations. Pérez, a serial entrepreneur who previously co-founded the Chilean crowdfunding platform Broota, and Briones, the current CTO, identified the market need after a previous venture revealed a high demand for payment management solutions.
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The company's business model is primarily success-based, charging a commission only upon successful recovery of funds, which makes its services highly accessible to SMEs with limited resources. This commission ranges from 2% to 25%, depending on the case. The cloud-based platform simplifies the debt collection process: a business uploads its unpaid invoice, and the technology handles the rest. Services include automated communication with debtors, publication of unpaid debts in major credit bureaus like Equifax and TransUnion, legal mediation for disputes, and setting up payment agreements. This approach results in a recovery rate reportedly 30% higher than the market average.
CobranzaOnline.com began with an initial investment of about $10 million CLP and received additional funding from Start-Up Chile in July 2018. The company reached its break-even point in 2019 and has since grown organically, expanding its operations to Colombia and launching prototypes in Peru and Mexico. As part of its evolution into Faaro, the company has expanded its offerings to include preventative services, such as a Commercial Support Sales Report (ICAV), which provides data to help businesses assess client risk before extending credit.
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Funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| SEEDEquity / VC | May 2018 | $40K | $160K | Start-Up Chile | — |
Financials
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Growth signals
Latest recorded traffic for CobranzaOnline.com is 11K monthly website visits, up 26.4% over the last three months. CobranzaOnline.com's team grew 18.2% over the past year.
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Start-Up Chile
Source: Dealroom Talent Intelligence.
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