Tranqui

What Tranqui does

Tranqui (operated by TERANOVA LABS S.A.S.) is a Colombian fintech that operates a digital debt-negotiation and financial-wellness platform serving individuals with delinquent credit obligations. The company operates four core product modules: Tranqui Negociador, a self-serve web platform where users register their overdue debts by ID number and receive pre-negotiated discount options from credit entities; Tranqui Guía, which provides financial education and personalized advisory for complex debt situations; Tranqui Diagnóstico, a credit-bureau assessment tool that surfaces users' debt history, score, and risk-center reports; and the Simulador de Alivios Financieros, a free debt-relief calculator launched in September 2020 and aligned with the Superfinanciera's PAD (Programa de Acompañamiento a Deudores) guidelines. The underlying technology is a web-and-mobile platform stack with an Information Security Management System aligned to ISO 27001 and Colombian data-protection law (Ley 1581/2012, Ley 1266/2008).

The business model is freemium to end users — consumers access the platform 100% online and 24/7 at no cost — while Tranqui earns revenue from credit entities (banks, fintech lenders, telecom lenders, and portfolio buyers) that assign delinquent portfolios to the platform for recovery. The company reports cumulative scale metrics of 1.5M+ users served, COP $460 billion in debts negotiated, and COP $30 billion saved by users through obtained discounts, with 10+ named entity partners including Davivienda, BBVA, Banco de Bogotá, Banco Pichincha, DAVIbank, RappiPay, Movistar Money (Apex), Claro, JCAP, PRA Group, and Beta.

Distribution is fully digital and concentrated in Colombia: the company relies on SEO-optimized financial-education content (blog), organic social media (Instagram, Facebook), and earned media in Forbes Colombia, El Espectador, El Tiempo, and La República for top-of-funnel acquisition, with WhatsApp as the primary mid-funnel service channel featuring dedicated per-entity contact lines. Tranqui is a Y Combinator alumnus (admitted 2019-2020) and is backed by Quona Capital, Better Tomorrow Ventures, Actions Capital, MrPink VC, and Opera Ventures.

Name

Tranqui

Legal name

TERANOVA LABS S.A.S.

Website

https://tranquifinanzas.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Tranqui is a Colombian fintech that operates a free, self-serve digital debt-negotiation platform connecting 1.5M+ individual debtors with delinquent credit to 10+ banking, fintech, and telecom partners to obtain maximum discounts on overdue obligations.

Ownership category

akta.pro rank

Headquarters

HQ city

Cali

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Debt Negotiation Services: Tranqui negotiates delinquent debts on behalf of users with credit entities (banks, financial companies) to obtain maximum discounts. The service is free for users — Tranqui earns fees from the credit entities that assign their delinquent portfolios to the platform rather than from the users themselves.
2. Financial Advisory Services: Free financial education content, webinars, and tools (simulator, guides) provided to users to help them plan and manage personal finances. Premium advisory or enterprise plans may be available for corporate clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Tranqui operates an online platform that negotiates delinquent debts on behalf of Colombian individuals with credit entities (banks and financial companies) to obtain maximum discounts. The service is free for end users — Tranqui earns fees from the credit entities that assign their delinquent portfolios to the platform. Users register their debts, review pre-negotiated discount options online 24/7, and confirm payment agreements without paperwork or collection calls.

Product overview

Tranqui is an integral debt management platform for Colombian users, comprising three core modules: Tranqui Negociador (the primary debt negotiation platform where users register delinquent debts for Tranqui to negotiate maximum discounts with banking entities), Tranqui Guía (financial education and personalized advisory for complex debt situations), and Tranqui Diagnóstico (credit bureau monitoring and financial assessment tool). The platform operates 100% online, 24/7, without paperwork or collection calls, connecting users with over 10 allied banking entities. Tranqui also provides a free financial relief simulator tool for debt planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Tranqui Negociador Primary debt negotiation platform allowing users to register their delinquent debts, have Tranqui's team negotiate with banking entities on their behalf, and select the best payment agreement with maximum discounts. Operates 100% online without paperwork or collection calls and is accessible 24/7.
• Tranqui Guía Financial education and personalized support service for users who cannot pay their delinquent debts or when existing alternatives do not work. Provides guidance to resolve debts, recover credit score, and eliminate negative reports from credit bureaus.
• Tranqui Diagnóstico Financial situation assessment tool that allows users to review their current financial status and debts reported to credit bureaus, including debt history, credit score, and risk bureau reports.
• Simulador de alivios financieros Free financial planning simulator that helps users calculate payment relief options, debt renegotiation scenarios, and payment capacity based on their current financial situation. Designed to support the PAD (Programa de Acompañamiento a Deudores) program.

Quantifiable outcome

• 1.5 million+ people have resolved their debts through Tranqui
• +2 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• DaviviendacoreStrategic or Co-development PartnerDavivienda, one of Colombia's largest banks and a leader in microfinance, assigns delinquent debts to Tranqui for negotiation. Tranqui acts as a platform bridge between Davivienda and its debtors, securing maximum discounts for users and helping Davivienda recover delinquent portfolio.
• DaviplatacoreStrategic or Co-development PartnerDaviplata (digital wallet of Grupo Bolívar Davivienda) works with Tranqui to help users resolve delinquent debts associated with Daviplata accounts.
• DAVIbank (Scotiabank Colpatria)coreStrategic or Co-development PartnerDAVIbank (formerly Scotiabank Colpatria, acquired by Grupo Bolívar Davivienda) assigns delinquent debts to Tranqui for debt resolution and payment agreements.
• Banco PichinchacoreStrategic or Co-development PartnerBanco Pichincha, one of Colombia's major banks, partners with Tranqui to negotiate delinquent debts and offer flexible payment alternatives to affected users.
• BBVA (Colombia)coreStrategic or Co-development PartnerBBVA Colombia, part of the global BBVA banking group, assigns delinquent debts to Tranqui for negotiation, enabling Tranqui users to access debt relief options.
• Banco de BogotácoreStrategic or Co-development PartnerBanco de Bogotá (part of Grupo Aval) works with Tranqui to manage delinquent debts and offer debt recovery agreements with maximum discounts.
• RappiPayminorStrategic or Co-development PartnerRappiPay, the digital wallet and lending product from Rappi, partners with Tranqui to help users resolve delinquent RappiPay debts through negotiated payment agreements.
• Movistar Money (Apex)coreStrategic or Co-development PartnerMovistar Money (operated by Apex) designates Tranqui as a strategic ally for debt portfolio recovery. Tranqui acts as a communication bridge between Movistar Money and users, ensuring users are informed of and can request available negotiation alternatives. Tranqui is listed on Movistar Money's official FAQ as an approved collection entity.
• RF JCAP S.A.S. (JCAP)coreStrategic or Co-development PartnerRF JCAP S.A.S. is an international entity that purchases delinquent credit portfolios. Tranqui partners with JCAP to offer users with delinquent JCAP-held debts access to special discounts and installment agreements, helping users recover their credit standing.
• Beta (Promocobranzas)minorChannel Partner/ Reseller/ DistributorBeta (Promocobranzas) is a collection agency that works with Tranqui to offer debt negotiation alternatives to debtors with delinquent obligations assigned to Beta.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Freedom Debt Relief: Largest US-based debt settlement company, negotiating reduced balances on delinquent unsecured debt with creditors on behalf of consumers. Closest direct functional analogue to Tranqui's debt-negotiation platform, though operating in a different regulatory and creditor environment.
• National Debt Relief: US debt settlement firm that negotiates with creditors to lower principal balances for consumers in financial hardship. Directly comparable in mechanism (negotiate discounts, then collect from creditors) even though the geography and customer profile differ.
• Accredited Debt Relief: US debt settlement company working with consumers to consolidate and negotiate down unsecured debts. Comparable business model: intermediary between distressed borrowers and creditors, monetized via fees on successfully negotiated settlements.
• CuraDebt: US debt settlement and consolidation firm offering negotiation services for delinquent credit-card and unsecured debt. Closely mirrors Tranqui's core mechanic — creditor-side negotiation on behalf of the consumer — in a more mature US market.

Broad incumbents

• MoneyLion: US financial wellness super-app offering credit-building, banking, lending and personalized guidance to underbanked consumers. Comparable in serving financially stressed consumers and bundling advice + financial products, though broader in scope than Tranqui's debt-only focus.
• Dave: US fintech focused on income-constrained consumers, offering advances, budgeting tools and credit-building. Comparable in serving a financially stressed, underbanked segment with a digital-first product, though its primary feature set is cash advances rather than debt negotiation.

Emerging players

• Albert: US financial wellness app combining budgeting, automated savings and credit monitoring. Overlaps with Tranqui's Diagnóstico and Guía modules (credit score monitoring and financial education) but does not negotiate debt settlements directly.
• Brigit: US financial health app offering cash advances, budgeting tools and credit monitoring for working-class consumers. Comparable in serving an underbanked, financially stressed audience via a mobile-first platform, with adjacent rather than direct overlap on debt resolution.
• Possible Finance: US fintech lending to subprime borrowers with a credit-building product. Comparable audience (financially distressed consumers) and complementary mission (avoiding predatory debt), though focused on small-dollar lending rather than settlement.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Tranquifinanzas
• Instagraminstagram.com/tranquifinanzas
• Xx.com/TranquiFinanzas

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tranqui