Algebra Capital
Algebra Capital is a Lisbon-based NPL portfolio management specialist (LX Partners subsidiary) serving Portuguese banks, financial institutions, and individual debtors with secured and unsecured loan servicing, advisory, corporate restructuring, and real estate asset recovery.
- Company typePrivate
- Founded2016
- HeadquartersLisbon, Portugal
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Algebra Capital does
Algebra Capital is a Portuguese non-performing loan (NPL) portfolio management specialist, founded in 2016 and headquartered on Avenida da Liberdade in Lisbon. The company is positioned as a subsidiary of LX Partners, a diversified group that also includes ALYX Properties (real estate) and Scalabis, giving Algebra Capital access to an integrated distressed-asset value chain. Its service portfolio spans NPL portfolio management (secured and unsecured), advisory services (prime servicing, master servicing, buy-side advisory, risk management), credit management with judicial and extrajudicial negotiation, real estate acquisition and commercialization from distressed portfolios, and corporate restructuring for distressed companies. On the consumer side, it offers payment plan solutions for individual debtors and business restructuring support for SMEs.
The company's technology stack centers on a proprietary IT solution that combines domain know-how in NPL management with data analytics for portfolio analysis, result control, and risk reduction. The platform sits on top of an operational base of €4.5 billion in assets under management, accumulated through nine years of active servicing. Core delivery channels include phone outreach, email, direct mail, SMS, and a bilingual (English/Portuguese) website, supported by in-person consultations at the Lisbon headquarters.
Algebra Capital operates a sales-led, two-tier go-to-market model. On the B2B side, it engages banks, financial institutions, and portfolio holders through direct outreach to deliver managed services, advisory, and asset recovery. On the B2C side, it contacts individual debtors via phone, SMS, and direct mail to set up payment plans and free advisory sessions. Pricing is not publicly disclosed and follows a quote-based model tailored to each engagement. Revenue is generated through managed-service fees, recovery commissions, advisory engagements, and real estate transaction-related fees. The company maintains regulatory standing through memberships in the Portuguese Consumer Arbitration Network and operates dedicated compliance, data protection, and ethics channels to support institutional client relationships.
Algebra Capital firmographics
Firmographics- Name
- Algebra Capital
- Legal name
- Algebra Capital Lda
- Website
- https://algebracapital.pt
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Algebra Capital is a Lisbon-based NPL portfolio management specialist (LX Partners subsidiary) serving Portuguese banks, financial institutions, and individual debtors with secured and unsecured loan servicing, advisory, corporate restructuring, and real estate asset recovery.
- Ownership category
- akta.pro rank
Algebra Capital industry classification
Industry- Product category
- Non-Performing Loan (NPL) Management and Debt Servicing
- NAICS
- Portfolio Management and Investment Advice (523940), Miscellaneous Financial Investment Activities (523999)
- SIC
- Miscellaneous Business Credit Institution (6159), Personal Credit Institutions (6141)
- akta.pro primary industry
- Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)
- akta.pro secondary industries
- Debt Advisory & Financing Advisory (FSAEAGAD), Specialty Finance / Structured Credit (FSANADAE)
Keywords
Where Algebra Capital is headquartered
LocationHeadquarters
- HQ city
- Lisbon
- HQ country
- Portugal
- HQ region
- Europe
Offices1 record
Markets served
Algebra Capital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- NPL Portfolio Management Services: Algebra Capital generates revenue through fees for managing and recovering non-performing loans (NPL). Services include advisory on portfolios and single names (secured and unsecured), prime servicing, master servicing, buy-side advisory, risk management, and asset recovery. The company also earns fees from real estate acquisition and management services.
- Corporate Restructuring Services: Revenue generated from providing corporate restructuring services to distressed companies, including judicial and extrajudicial negotiation for debt resolution.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Algebra Capital product offering
Product offeringCore offering
Algebra Capital is a Portuguese NPL portfolio management specialist that provides independent management of secured and unsecured non-performing loan portfolios, advisory services (portfolios, single names, prime/master servicing, buy-side advisory, and risk management), credit and asset recovery with judicial and extrajudicial negotiation, real estate acquisition and commercialization from distressed portfolios, and corporate restructuring for distressed companies. On the consumer side, it offers payment plan solutions to individuals seeking to resolve unfulfilled financial obligations.
Product overview
Algebra Capital operates as a Portuguese secured and unsecured NPL (Non-Performing Loan) portfolio management specialist offering a comprehensive suite of services. The core offering consists of NPL Portfolio Management combined with Advisory Services (covering portfolios, single names, secured/unsecured credit, prime/master servicing, buy-side advisory, and risk management), Credit Management (asset recovery and judicial/extrajudicial negotiation), Real Estate Services (acquisition and commercialization of real estate assets from distressed portfolios), and Corporate Restructuring for distressed companies. On the client-facing side, the company provides Payment Plan Solutions for individuals seeking to regain control over their finances, and Business Restructuring Services for companies. The company also develops proprietary IT solutions for analysis and result control, supported by data analytics capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- NPL Portfolio Management Independent management of secured and unsecured Non-Performing Loan (NPL) portfolios, covering both portfolios and single-name exposures. Designed for banks, financial institutions, and creditors that need specialized portfolio servicing expertise.
- Advisory Services Advisory services covering Portfolios and Single Names, Secured and Unsecured credit, Prime Servicing and Master Servicing, Buy Side Advisory, and Risk Management. Aimed at banks, investors, and financial institutions making decisions on NPL portfolios and credit exposures.
- Credit Management Asset recovery and management services with judicial and extrajudicial negotiation capabilities for debt resolution. Provided to creditors and financial institutions to maximize recovery on distressed exposures.
- Real Estate Services Acquisition and management of real estate assets from distressed portfolios, with in-house marketing and commercialization through a specialized team and an external broker network. Targeted at optimizing disposition of real estate collateral recovered through NPL operations.
- Corporate Restructuring
Companies that use Algebra Capital
Customer profileSegments4 records
Ideal customer profiles3 records
Algebra Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Algebra Capital partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- LX PartnerscoreLX Partners is the parent company of Algebra Capital. Algebra Capital is explicitly described as an LX Partners company on their official website, indicating a corporate ownership relationship.
- ALYX PropertiesminorPart of the LX Partners group ecosystem. Listed as a group company on the Algebra Capital website alongside LX Partners and Scalabis.
- SCALABISminorPart of the LX Partners group ecosystem. Listed as a group company on the Algebra Capital website alongside LX Partners and ALYX Properties.
- CVIDAEPAZminorCharitable institution partnered with Algebra Capital for corporate social responsibility initiatives. Listed on the CSR page as one of seven partner institutions.
- CAPITIminorCharitable institution partnered with Algebra Capital for corporate social responsibility initiatives. Listed on the CSR page as one of seven partner institutions.
- FLAR (Fédération des Associations de Retirados)minorRetirees association partnered with Algebra Capital for corporate social responsibility initiatives. Listed on the CSR page as one of seven partner institutions.
- APAV (Associação Portuguesa de Apoio à Vítima)minorPortuguese Victim Support Association partnered with Algebra Capital for corporate social responsibility initiatives. Listed on the CSR page as one of seven partner institutions.
- AcreditarminorCharitable institution partnered with Algebra Capital for corporate social responsibility initiatives. Listed on the CSR page as one of seven partner institutions.
- Associação CoragemminorCharitable institution partnered with Algebra Capital for corporate social responsibility initiatives. Listed on the CSR page as one of seven partner institutions.
- Banco do BebéminorCharitable institution partnered with Algebra Capital for corporate social responsibility initiatives. Listed on the CSR page as one of seven partner institutions focusing on family support.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Algebra Capital competitors and assessment
Company assessmentBroad incumbents
- EOS Group:
- Intrum: Sweden-based pan-European leader in credit management and NPL servicing with broad portfolio servicing, debt collection, and related advisory offerings — directly comparable business model to Algebra Capital at much larger scale.
Direct peers
- Hipoges: Iberian (Spain/Portugal) NPL and REO asset management servicer; closest direct competitor to Algebra Capital given overlapping Iberian footprint, NPL servicing capabilities, and real estate asset management from distressed portfolios.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Algebra Capital social profiles
Digital presenceAlgebra Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Algebra Capital leadership team
Management profileNumber of profiles
Profiles3 records
Algebra Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Algebra Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Algebra Capital
What does Algebra Capital do?
Algebra Capital is a Portuguese NPL portfolio management specialist that provides independent management of secured and unsecured non-performing loan portfolios, advisory services (portfolios, single names, prime/master servicing, buy-side advisory, and risk management), credit and asset recovery with judicial and extrajudicial negotiation, real estate acquisition and commercialization from distressed portfolios, and corporate restructuring for distressed companies. On the consumer side, it offers payment plan solutions to individuals seeking to resolve unfulfilled financial obligations.
Is Algebra Capital a public or private company?
Algebra Capital is a private company. It is classified as corporate owned and is currently operating.
When was Algebra Capital founded?
Algebra Capital was founded in 2016. It employs 101 to 250 people.
Where is Algebra Capital based?
Algebra Capital is headquartered in Lisbon, Portugal, in the Europe region.
How does Algebra Capital make money?
Two revenue lines are on record. NPL Portfolio Management Services are the primary driver. The others are corporate Restructuring Services.
Who are Algebra Capital's main competitors?
Broad incumbents on record are EOS Group and Intrum. Hipoges is listed as a direct peer.
Does Algebra Capital have an API?
No public API is recorded for Algebra Capital.
What industry is Algebra Capital in?
Algebra Capital's product category is Non-Performing Loan (NPL) Management and Debt Servicing. Its primary akta.pro industry code is BPAHAOAD, Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit), with a secondary code of FSAEAGAD, Debt Advisory & Financing Advisory. Its NAICS code is 523940 and its SIC code is 6159.