What TRC Taborda does

TRC Taborda (legal name: TRC Taborda Recuperação de Crédito S/S Ltda.) is a privately held Brazilian contact center and debt recovery company headquartered in Curitiba, Paraná, founded in 2004 with approximately 20 years of operating history. The company specializes in intermediating debt renegotiation between Brazilian consumers with overdue obligations and creditor clients, which include major banks, financial institutions, retailers, fintechs, telecoms, and credit securitization companies. The workforce comprises 1,188 active employees as of June 2025 (with some sources citing 1,500+ analysts), of which 69% are women and 31% men.

The core service offering is built on an omnichannel operating model combining human-assisted negotiation (1,500+ analysts handling inbound contacts via 0800 toll-free numbers and WhatsApp) with the proprietary NegocieWeb self-service portal. The portal enables debtors to query debts by CPF/CNPJ, view pre-approved proposals, submit custom counter-proposals, and complete agreements online 24/7, with automated contra-proposal routing, payment recognition, and credit bureau restriction removal within 5-7 business days. AI tooling (Microsoft Copilot for Business, ChatGPT Enterprise) is used for internal process automation, content generation, and decision support under LGPD-aligned data handling rules. Operations are partially powered by a solar photovoltaic plant in Paranavaí, supporting ESG positioning for creditor clients.

The revenue model is a hybrid of transaction-based fees (commission on recovered debt) and tiered subscription/recurring service fees charged to creditor clients (Small, Medium, and Large Enterprise tiers priced by number of service positions and contract length). Debtor-facing services are free. The company serves 50+ enterprise creditor partners including Caixa Econômica Federal (flagship and homologated provider), Bradesco, Santander, PagBank, Getnet, Losango, Banco BMG, Paraná Banco, Sicoob, Cresol, Ailos, and Ativos S.A., intermediating 50,000+ debt agreements per month across contracts as young as 30 days overdue, with discounts of up to 99% available to consumers. Geographic scope is Brazil-only.

Name

TRC Taborda

Legal name

TRC Taborda Recuperação de Crédito S/S Ltda.

Website

https://trctaborda.com.br

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

TRC Taborda is a Brazilian contact center and debt recovery firm headquartered in Curitiba, serving 50+ creditor clients including major banks, fintechs, retailers, and telecoms through 1,500+ analysts and its NegocieWeb self-service portal for debt renegotiation.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

Third-Party Collection Agencies (Consumer) (FSAKAJAB), Collections Technology, Dialing & Workflow Platforms (FSAKAJAI), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

Keywords

• Debt collection services
• Contact center outsourcing
• Debt renegotiation platform
• Collections call center
• Customer service solutions

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection and Recovery Services: TRC Taborda charges creditor clients (banks, financial institutions, and finance companies) for debt recovery and collection services. The company acts as an intermediary between creditors and debtors, facilitating negotiations and agreements. Revenue is generated through successful debt recovery commissions or service fees charged to the creditor clients.
2. Self-Service Portal Licensing/Service: The company provides a NegotiWeb self-service platform to creditor clients, enabling them to offer digital negotiation options to their own customers. This platform-as-a-service arrangement generates recurring service revenue from creditor partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

TRC Taborda provides outsourced debt collection and contact center services to banks, financial institutions, fintechs, retailers, and telecom companies in Brazil. The company negotiates overdue debts on behalf of creditor clients through a team of more than 1,500 analysts operating across WhatsApp, toll-free phone lines, and a self-service web portal called NegocieWeb.

Product overview

TRC Taborda is a contact center and debt recovery solutions provider operating as a unified service offering rather than a modular platform. The core portfolio consists of six integrated service modules: (1) Atendimento Automatizado for automated customer interactions, (2) Atendimento Humanizado for human-assisted support, (3) Assessoria em Atendimento for consulting services, (4) Acompanhamento Dedicado for dedicated monitoring, (5) Portal de Auto-Negociação (NegocieWeb) for self-service debt renegotiation, and (6) Atendimento Omnichannel providing WhatsApp, telephone, email, and digital channels. The company services over 40 partner brands across banking, finance, telecom, retail, and other sectors, offering flexible contracting models for small, medium, and large enterprises.

Differentiator

Problem solved

Functional benefit

Brands

• NegocieWeb: Self-service debt negotiation portal developed by TRC Taborda for customers to resolve their pending debts online.

Products and services

• Atendimento Humanizado (Human-Assisted Customer Service) Human-centered customer service where a trained team provides attentive support focused on finding the best solutions for each customer's difficulties, primarily used to negotiate overdue debts for creditor clients.
• Atendimento Automatizado (Automated Customer Service) Automated customer service solution that uses the latest tools to automate routine tasks and increase productivity in debt negotiation workflows for creditor clients.
• Portal de Auto-Negociação (NegocieWeb) Self-service web portal enabling individual customers to independently resolve their debts and payment arrangements. Features include pre-approved proposals, counter-proposal submission, automated analysis, installment and à vista options, simplified tracking, and automated payment reconciliation with up to 99% discounts.
• Atendimento Omnichannel (Omnichannel Customer Service) Multi-channel customer service covering WhatsApp, email, telephone, and digital platforms with integrated communication across all touchpoints, dedicated to debt negotiation for creditor clients.
• Acompanhamento Dedicado (Dedicated Monitoring) Multidisciplinary cell-based system to monitor and track customer service interactions from start to finish, providing creditor clients with dedicated oversight of debt negotiation campaigns.
• Assessoria em Atendimento (Customer Service Consulting) Expertise sharing and consulting services to help partner clients improve their customer service performance and results in debt recovery operations.

Quantifiable outcome

• Up to 99% discount on debt renegotiation
• +4 more outcomes

Named customers57 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Partnerships

57 partnerships are on record, tiered flagship, core and minor.

• Caixa Econômica FederalflagshipStrategic or Co-development PartnerCaixa Econômica Federal is a flagship partner of TRC Taborda. TRC Taborda operates dedicated 0800 lines (0800 370 0009) and WhatsApp channels for Caixa debt renegotiation. The partnership handles debt renegotiation with up to 99% discounts, automated proposal handling, and credit bureau cleanup within 5 business days. TRC Taborda acts as an officially certified service provider (homologada) for Caixa.
• BradescoflagshipStrategic or Co-development PartnerBradesco is a major banking partner. TRC Taborda provides dedicated 0800 lines (0800 941 0430) and WhatsApp negotiation channels for Bradesco debt renegotiation. Self-service portal access is provided via nd.negociedigital.com.br.
• SantandercoreStrategic or Co-development PartnerSantander is a core banking partner. TRC Taborda provides debt renegotiation services including automated self-service negotiation and WhatsApp channels.
• PagBankcoreStrategic or Co-development PartnerPagBank (PagSeguro) partnership provides WhatsApp-based debt negotiation services via dedicated channels.
• GetnetcoreStrategic or Co-development PartnerGetnet partnership offers automated debt renegotiation via dedicated portal (autonegociacao.trctaborda.com.br) with 0800 support line.
• LosangocoreStrategic or Co-development PartnerLosango call center partnership with dedicated 0800 lines and WhatsApp-based debt negotiation services.
• Banco BMGcoreStrategic or Co-development PartnerBanco BMG partnership provides a branded self-service portal (negocie.bancobmg.com.br) with TRC Taborda access key for debt renegotiation.
• Ailos CooperativascoreStrategic or Co-development PartnerAilos Cooperativas partnership enables WhatsApp-based debt negotiation for cooperative members across Brazil.
• CresolcoreStrategic or Co-development PartnerCresol cooperative banking partnership with automated self-service debt negotiation portal.
• Paraná BancocoreStrategic or Co-development PartnerParaná Banco partnership offering automated self-service negotiation and WhatsApp channels.
• ItapevacoreStrategic or Co-development PartnerItapeva financial institution partnership with automated WhatsApp-based debt negotiation.
• Banco OriginalcoreStrategic or Co-development PartnerBanco Original partnership for debt renegotiation via WhatsApp and self-service portal.
• NextcoreStrategic or Co-development PartnerNext digital bank partnership with dedicated 0800 line (0800 941 9853) and WhatsApp channel for debt negotiation.
• Banco DaycovalcoreStrategic or Co-development PartnerBanco Daycoval partnership for automated debt negotiation services.
• SicoobcoreStrategic or Co-development PartnerSicoob cooperative banking network partnership with WhatsApp-based debt renegotiation.
• Banco PineminorStrategic or Co-development PartnerBanco Pine partnership for debt renegotiation via WhatsApp.
• CrediparcoreStrategic or Co-development PartnerCredipar partnership offering digital debt negotiation with pre-approved proposals and dedicated 0800 line.
• Ativos S.A.coreStrategic or Co-development PartnerAtivos S.A. is a credit securitization company that partners with TRC Taborda to negotiate non-performing loans purchased from major institutions including Caixa, Bradesco, Banco do Brasil, Santander, and Losango.
• Return Capital (Ipanema)minorStrategic or Co-development PartnerReturn Capital (Ipanema) partnership providing self-service debt negotiation via WhatsApp and automated portal.
• Lojas RennercoreStrategic or Co-development PartnerLojas Renner retail partnership for debt renegotiation via dedicated digital channels.
• TendacoreStrategic or Co-development PartnerTenda partnership offering debt renegotiation with unique customer benefits including reimbursement up to R$ xxxx for customers who regularize their debt with the bank, promoting financial citizenship.
• MRVcoreStrategic or Co-development PartnerMRV real estate partnership for debt renegotiation on housing finance.
• BerlandacoreStrategic or Co-development PartnerBerlanda retail partnership for digital debt negotiation via self-service portal.
• AgibankcoreStrategic or Co-development PartnerAgibank fintech partnership offering digital debt negotiation with WhatsApp integration.
• AdemilarminorStrategic or Co-development PartnerAdemilar partnership for debt renegotiation services.
• DigiominorStrategic or Co-development PartnerDigio digital bank partnership for debt renegotiation services.
• DivZerominorStrategic or Co-development PartnerDivZero fintech partnership for digital debt negotiation.
• willbankminorStrategic or Co-development Partnerwillbank fintech partnership offering digital debt negotiation portal.
• PortoBankminorStrategic or Co-development PartnerPortoBank partnership for debt renegotiation via digital channels.
• QuintoAndarminorStrategic or Co-development PartnerQuintoAndar partnership for rental debt renegotiation.
• ClarocoreStrategic or Co-development PartnerClaro telecommunications partnership for customer debt renegotiation.
• LiggaminorStrategic or Co-development PartnerLigga telecom partnership for debt renegotiation.
• SercomtelminorStrategic or Co-development PartnerSercomtel telecom partnership for debt renegotiation via WhatsApp.
• CNHminorStrategic or Co-development PartnerCNH agricultural equipment partnership for debt renegotiation via WhatsApp.
• RandonminorStrategic or Co-development PartnerRandon partnership for debt renegotiation services.
• DirecionalminorStrategic or Co-development PartnerDirecional housing finance partnership for debt renegotiation via WhatsApp.
• LoftminorStrategic or Co-development PartnerLoft partnership for debt renegotiation via WhatsApp.
• PayjoyminorStrategic or Co-development PartnerPayjoy fintech partnership for debt renegotiation via WhatsApp.
• AfyaminorStrategic or Co-development PartnerAfya healthcare education partnership for debt renegotiation.
• EstáciominorStrategic or Co-development PartnerEstácio education partnership for debt renegotiation via WhatsApp.
• WydenminorStrategic or Co-development PartnerWyden education partnership for debt renegotiation via WhatsApp.
• Hospital de Olhos do ParanáminorStrategic or Co-development PartnerHospital de Olhos do Paraná partnership for debt renegotiation services.
• ZemacoreStrategic or Co-development PartnerZema financial institution partnership offering comprehensive WhatsApp and web-based debt renegotiation with dedicated 0800 line (0800 941 0429) and over 50,000 agreements facilitated.
• 99 PayminorStrategic or Co-development Partner99 Pay fintech partnership for debt renegotiation via WhatsApp.
• RCHLOminorStrategic or Co-development PartnerRCHLO retail partnership for debt renegotiation via WhatsApp.
• RniminorStrategic or Co-development PartnerRni financial institution partnership for debt renegotiation via WhatsApp.
• TribancominorStrategic or Co-development PartnerTribanco partnership for debt renegotiation services.
• VerominorStrategic or Co-development PartnerVero fintech partnership for debt renegotiation via WhatsApp.
• OuzeminorStrategic or Co-development PartnerOuze fintech partnership offering digital debt negotiation portal.
• MercantilminorStrategic or Co-development PartnerMercantil retail partnership for debt renegotiation via WhatsApp.
• DigimaisminorStrategic or Co-development PartnerDigimais financial institution partnership for debt renegotiation services.
• JB CredminorStrategic or Co-development PartnerJB Cred partnership for debt renegotiation services.
• MultilojaminorStrategic or Co-development PartnerMultiloja financial institution partnership for debt renegotiation services.
• CrediokminorStrategic or Co-development PartnerCrediok partnership for debt renegotiation services.
• PHD SportsminorStrategic or Co-development PartnerPHD Sports partnership for debt renegotiation services.
• MatrixminorStrategic or Co-development PartnerMatrix financial institution partnership for debt renegotiation via WhatsApp.
• Nova Telecom (Ligga)minorStrategic or Co-development PartnerNova Telecom (Ligga) telecommunications partnership with 0800 support line for debt renegotiation.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Recovery Brasil: One of the largest third-party debt collection agencies in Brazil, operating a contact-center-heavy recovery model for major banks and financial institutions. Directly comparable to TRC Taborda in service mix (call center, self-service, collections outsourcing for tier-1 creditor clients).
• Acordo Certo: Brazilian self-service debt negotiation platform enabling consumers to consolidate and renegotiate debts with multiple creditors in a single portal. Closely mirrors TRC Taborda's NegocieWeb product in offering pre-approved proposals, counter-proposals, and 24/7 digital negotiation.
• Quero Quitar: Brazilian digital debt negotiation platform connecting consumers with banks and retailers for online debt settlement with discounts. Competes head-to-head with TRC Taborda for the same debtor end-customers and offers similar WhatsApp and self-service channels.

Broad incumbents

• Serasa Experian: Dominant Brazilian credit bureau and broader financial services platform, now part of Experian, which offers debt renegotiation, score-based offers, and creditor analytics. Overlaps with TRC Taborda in collections, credit decisioning infrastructure, and Brazilian bank relationships, but operates as a much larger, diversified incumbent.
• Intrum: European-headquartered global leader in credit management services and outsourced collections. Comparable in service model (third-party debt recovery, customer communication, portfolio servicing) at a much larger global scale, providing a benchmark for what a scaled TRC Taborda could look like.
• Encore Capital Group: US-listed global debt buyer and recovery services provider operating across consumer credit portfolios. Comparable in collections outsourcing and creditor portfolio management, though operates a debt-buying model rather than pure outsourcing; useful as a comparable for outsourced recovery economics.
• PRA Group: Global acquirer and servicer of non-performing loans with operations in the Americas and Europe. Comparable as a large-scale recovery services provider serving major creditor institutions; useful international comparable for outsourced and purchased-debt recovery economics.

Emerging players

• WebRadar: Brazilian collections technology provider offering predictive dialer, multi-channel communication, and recovery workflow platforms to financial institutions. Comparable as a tech-enabled collections partner with overlap in channel automation, though more product-focused and less contact-center-heavy than TRC Taborda.
• TrueAccord: US-based digital-first debt collection platform using machine learning and personalized omnichannel outreach. Comparable as a tech-forward alternative to traditional call-center collections and a relevant benchmark for the AI/automation roadmap TRC Taborda is pursuing via its NegocieWeb and Copilot/ChatGPT investments.

Regional players

• Ativos S.A. Brazilian credit securitization company that purchases non-performing loan portfolios from major banks (Caixa, Bradesco, Santander) and works with recovery partners including TRC Taborda. Comparable as a downstream buyer of Brazilian NPL portfolios; serves as both a partner and adjacent competitor in the same credit-recovery value chain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/trctaborda
• Facebookfacebook.com/trctaborda

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 TRC Taborda