What CobranzaOnline.com does

CobranzaOnline.com is a Chilean fintech SaaS platform, operated by Foxtrot Innovaciones SPA and founded in 2018 in Santiago, that automates extrajudicial debt collection for small and medium enterprises and independent professionals. Its core offering, "Cobranza Extrajudicial," combines professional mediated collection with mandatory publication of non-paying debtors across 100% of Chile's commercial credit information system — Boletín Comercial, Equifax/DICOM, Experian, and TransUnion — within 8 days of initiating action. The platform operates on a self-serve, product-led model: companies register free, upload overdue invoices, and pay only a 6%–19% commission if the debt is recovered, with no fees in the event of failure. Complementary products include commercial debt information reports (Informe Comercial Empresa / ICAP), online payment collection (Recaudación), installment rescheduling (Convenios de Pago), dispute mediation with legal support, and automated certificate generation (debt, clarification, traceability, incobrability).

The underlying technology is a cloud-based platform with native integrations to 15+ Chilean ERP, accounting, and invoicing systems (Defontana, Duemint, Organizame, Skualo, Clay, Nubox, Maxxa, Pepper, Contable), enabling one-click handoff of overdue invoices from existing business management tools. A specialized publication service targets factoring companies and electricity generators/distributors (GGEE), and a recently introduced 12-month payment behavior analytics tool (CobranzaOnline 12Meses) exposes aggregated claimed, paid, and outstanding amounts alongside average payment times by company and document type. The platform also publishes a commercial credit report (ICAP) and operates a referral program ("Invita y Gana") that rewards users with free reports for successful referrals. Institutional credibility is anchored by endorsements from CORFO, Start-Up Chile, FinteChile, and the Santiago Chamber of Commerce (CCS).

The business model combines a transaction-fee revenue stream (commission on successful recoveries, 6%–19%) with a subscription tier for high-volume users (factoring and financial institutions) paying monthly fees plus per-publication excess charges and additional user fees of 0.5 UF + VAT. Distribution relies on direct digital self-serve onboarding supplemented by embedded ERP integration partnerships. The company claims 15,000+ company users, an 80,000+ business contact ecosystem used for debtor reachability, a 10.2-day average recovery time, and a 96% debtor contactability rate. The team is small (1–10 employees), the company is privately held with no disclosed institutional investor beyond an initial $40,000 Start-Up Chile grant in 2018, and operations remain concentrated in Chile with no announced international expansion.

Name

CobranzaOnline.com

Legal name

Foxtrot Innovaciones SPA

Website

https://cobranzaonline.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

CobranzaOnline.com is a Chilean fintech SaaS that automates extrajudicial B2B debt collection for SMEs and factoring companies, combining mediated collection with mandatory publication across all four major Chilean credit bureaus on a commission-only pricing model.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Debt collection software
• Accounts receivable automation
• Credit bureau publishing
• Extrajudicial collection platform
• SME collections SaaS

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Success-based Commission on Recovered Amounts: Primary revenue model where companies pay a commission (6% to 19% of recovered amount) only when collection is successful. The service is free to access and use; no fees are charged if the debt is not recovered. Commission rate varies based on invoice amount and antiquity.
2. Monthly Subscription Plans for High-Volume Users: Monthly plans with defined number of included publications per month, designed for factoring companies and high-volume enterprises. Plans include base subscription cost plus excess usage fees and additional user fees (0.5 UF + VAT per extra user). Factured on the 1st of each month for the previous month's usage.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

CobranzaOnline.com is a SaaS platform that automates the extrajudicial debt collection process for companies and independent professionals in Chile. Users register for free, upload unpaid invoices, and the platform initiates collection actions with publication across all major Chilean credit bureaus (Boletín Comercial, Equifax/DICOM, Experian, TransUnion) by day 8 if payment is not received. The company charges a success-based commission of 6% to 19% of the recovered amount, with no fees if collection fails, and offers monthly subscription plans for high-volume users such as factoring companies.

Product overview

CobranzaOnline.com is a Chilean fintech platform offering an integrated collection ecosystem centered on its core extrajudicial collection service. The platform combines a 4-step process (register, upload invoices, initiate collection actions, publish on credit bureaus by day 8) with complementary modules including commercial debt reports (Informe Comercial Empresa/ICAP), online collection/recaudation, payment agreements (Convenios de Pago), dispute mediation, and certificate generation. The product integrates with major Chilean credit bureaus (Equifax, Experian, TransUnion, Boletín Comercial) and ERP/accounting systems (Defontana, Duemint, Organizame, Clay, Maxxa) to enable one-click invoice submission. Specialized services include factoring and GGEE publication, a 12-month payment behavior analytics tool, and a referral program. The platform operates on a 'no recovery, no payment' model with commissions ranging from 6% to 19% based on amount and invoice age.

Differentiator

Problem solved

Functional benefit

Products and services

• Cobranza Extrajudicial Professional extrajudicial debt collection service that seeks voluntary payment of unpaid invoices before judicial escalation, combined with credit bureau publication as a pressure mechanism affecting the debtor's credit history, financing access, bids, and commercial relationships. Aimed at Chilean companies and independent professionals with unpaid B2B invoices.
• Informe Comercial Empresa (ICAP/ICAV) Commercial debt information reports about Chilean companies, including payment behavior, outstanding debts, and credit bureau records sourced from Equifax, Experian, TransUnion, and Boletín Comercial. Used by businesses to evaluate the creditworthiness of prospective clients and counterparties.
• Servicio de Publicación de Mora (Factoring y GGEE) High-volume publication service for unpaid documents specifically designed for factoring companies and electrical generators/distributors (GGEE). Supports multiple document types including Factura, Contrato Impago, Cuota Impaga, Pagaré, and Contrato Leasing, with the ability to add and manage guarantors/avales. Operates under monthly subscription pricing for high-volume users.
• CobranzaOnline 12Meses Dynamic consolidated query tool providing a 12-month view of any company's payment behavior based on publications managed through the CobranzaOnline platform. Includes total claimed amounts, amounts paid, outstanding balances, average payment times, publication frequency, and document type distribution by originating company type.

Quantifiable outcome

• 25% more effective than traditional collection methods
• +3 more outcomes

Named customers12 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

Integration13 records

Feature5 records

Partnerships

14 partnerships are on record, tiered core and minor.

• DefontanacoreTechnology or IntegrationERP 100% online for managing sales, inventory, purchases and accounting. The integration allows users to view overdue invoices and send them to extrajudicial collection in a single click from within the Defontana platform.
• DuemintcoreTechnology or IntegrationPreventive collection software with bank reconciliation. The integration allows users to send overdue invoices to CobranzaOnline with a single click.
• OrganizamecoreTechnology or IntegrationSoftware for quoting, invoicing and collection. The integration allows users to send overdue invoices to CobranzaOnline with a single click.
• NuboxminorGTM or Marketing PartnerAlliance partner offering invoice issuance, automated accounting and salary payment services. Exclusive discounts for CobranzaOnline users.
• KreditominorGTM or Marketing PartnerAlliance partner offering working capital financing, reporting and business account services for SMEs.
• ChipaxminorGTM or Marketing PartnerAlliance partner for financial control with Chipay payment service. Exclusive offers for CobranzaOnline users.
• Smart CFOminorGTM or Marketing PartnerAlliance partner providing External Administration and Finance Management services for SMEs.
• LofworkminorGTM or Marketing PartnerAlliance partner offering advisory services in business creation and administration.
• ApaniominorGTM or Marketing PartnerAlliance partner - Marketplace and HUB of services for SMEs.
• EmprendetupymeminorGTM or Marketing PartnerAlliance partner offering services for entrepreneurs and SMEs from business creation through tax and labor compliance. Over 10 years of experience helping 10,000+ entrepreneurs. Offers CobranzaOnline users 20% discount on main services (company creation, virtual tax address, accounting, HR) and 15% on same-day company modification.
• Cámara de Comercio de Santiago (CCS)coreStrategic or Co-development PartnerInstitutional support partner. CCS is Chile's main chamber of commerce and provides credibility and ecosystem access for the platform.
• CORFOcoreStrategic or Co-development PartnerGovernment development agency providing institutional support and credibility. CORFO is Chile's main agency for business development and innovation support.
• FinteChilecoreStrategic or Co-development PartnerChilean Fintech Association providing institutional support, industry credibility, and ecosystem connections for the platform.
• Start-Up ChilecoreStrategic or Co-development PartnerGovernment accelerator program providing institutional support and startup ecosystem credibility. Start-Up Chile is Chile's flagship startup acceleration program.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Experian: Global credit bureau and information services company. CobranzaOnline integrates with Experian Chile for delinquency publication; Experian's broader portfolio of commercial credit, analytics, and decisioning services places it in the same overall space as a broad incumbent.
• TransUnion: Global credit bureau and risk information provider. TransUnion Chile is one of the four bureaus CobranzaOnline publishes to, making it a critical infrastructure partner and a broad incumbent in the commercial credit information category.
• Equifax: Global credit bureau operator (DICOM in Chile) that supplies consumer and commercial credit data to lenders and other subscribers. CobranzaOnline integrates with Equifax/DICOM for bureau publication, making Equifax both a critical partner and a potential broad competitor in commercial credit data.

Emerging players

• Simetrik: Colombian financial-operations automation platform focused on reconciliation, collections, and financial close. Adjacent to CobranzaOnline as a Latam B2B fintech automating receivables-related workflows, with partial overlap in collections use cases.

Direct peers

• Just: Brazilian digital debt recovery platform offering a tech-first B2B collections experience. Similar to CobranzaOnline in product-led-growth orientation and B2B receivables focus, with comparable commission-based economics.
• Cobre: Colombian B2B debt collection platform that helps companies recover outstanding invoices through automated workflows. Directly comparable to CobranzaOnline in B2B collections focus, SaaS delivery, and credit-bureau pressure, but operating in Colombia.
• Wayhome: Brazilian fintech platform for debt renegotiation and recovery that helps companies and individuals settle overdue obligations digitally. Closest Latam analog to CobranzaOnline in combining a tech-first collections workflow with consumer/credit-bureau pressure mechanisms, though operating in Brazil rather than Chile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cobranzaonline
• LinkedInlinkedin.com/company/cobranza-online
• Instagraminstagram.com/cobranzaonline

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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 CobranzaOnline.com