Central de Arrendamientos

What Central de Arrendamientos does

Central de Arrendamientos Investigaciones y Cobranzas SAS is a Colombian rental insurance and property management company headquartered in Bogotá, operating a network of eight offices across Colombia's five largest cities (Bogotá, Medellín, Cali, Bucaramanga, and Barranquilla) with 70 specialized employees. The company serves two primary customer segments: property owners/landlords (individuals, SMEs, and commercial property holders) seeking protection against tenant default, and tenants/renters requiring rental application processing; real estate agents are served as an intermediated channel. Core products include Seguro de Arrendamiento (rental default insurance underwritten by Zurich Colombia), Renta 10 (guaranteed rent payment to landlords on the 10th of each month regardless of tenant payment), Defensa Legal (legal defense and representation), Anticipo de Rentas (up to 10 months of rent advances), and Admi10 (full-service property administration).

The technology stack is a web-based platform consisting of an online tenant application and 'radicación' system (radicacionweb.centralarriendos.com.co), a virtual office portal for property owners and real estate agents, and payment integrations with PSE, Wompi, and Aval PayCenter. Tenant screening leverages TransUnion credit bureau data. The company is ISO 9001:2015 certified since 2009 and received the 2023 Sello de Buenas Prácticas de Innovación from ICONTEC and the Bogotá Chamber of Commerce.

The business model is recurring-services with multiple monetization layers: insurance commissions/subscription premiums on the rental insurance book, fixed administration fees under Admi10, a 20% take-rate on pre-litigation and judicial collections of delinquent rent, legal service fees, and float from rent advance products. Cumulative scale includes over 300,000 policies managed, 150,000+ contracts elaborated, 800,000+ applications studied, 25,000+ property restitutions, and approximately 1,000 legal assistance cases resolved monthly, with an 80%+ portfolio recovery rate. Revenue is not publicly disclosed, and the company is privately held with no identified institutional investors, parent company, or M&A activity.

Name

Central de Arrendamientos

Legal name

Central de Arrendamientos Investigaciones y Cobranzas SAS

Website

https://centraldearrendamientos.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

Central de Arrendamientos is a Colombian rental insurance and property management company serving landlords and tenants in Colombia through rental default insurance (underwritten by Zurich), guaranteed rent payment, legal defense, collections, and full property administration across eight offices in five major cities.

Ownership category

akta.pro rank

Product category

Rental Insurance and Property Management Services

NAICS

Insurance Carriers and Related Activities (524), Residential Property Managers (531311)

SIC

Insurance Agents, Brokers & Service (6411), Operators Of Apartment Buildings (6513)

akta.pro primary industry

Renters Insurance (FSAJACAB)

akta.pro secondary industries

Residential Lease Administration & Tenant Services (BPAJAFAL), Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

Keywords

• Rental insurance services
• Property management services
• Lease administration
• Rent guarantee insurance
• Tenant screening services

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Rental Insurance Policies (Pólizas de Arrendamiento): Central de Arrendamientos commercializes rental insurance policies backed by Zurich Colombia. The company acts as a provider/corredor for insurance products, earning commissions or premiums from landlords who purchase coverage against tenant default.
2. Property Administration (Admi10): Full-service property administration for landlords, including rent collection, maintenance coordination, and tenant management. Revenue is generated through a fixed administration fee included in the rental arrangement.
3. Renta 10 Advance Payments: The company advances up to 10 months of rent to landlords, potentially generating revenue through the timing of cash flows and associated service fees.
4. Legal Defense and Assistance Services: Legal advisory and representation services for landlords related to rental contracts, including contract drafting/review, conciliation, and litigation — provided as part of insurance coverage and separately.
5. Collection Services: Pre-litigation and legal collection services for landlords with delinquent tenants. Collection fees are charged as a percentage of the outstanding debt (20% of the sum owed).

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Central de Arrendamientos provides rental insurance policies (pólizas de arrendamiento) backed by Zurich Colombia that protect property owners against tenant default, along with guaranteed rent payment services (Renta 10), rent advances (Anticipo de Rentas), full property administration (Admi10), legal defense and contract services, and tenant credit screening for the Colombian rental market.

Product overview

Central de Arrendamientos is a Colombian rental management and insurance company operating as a multi-service platform. The core offering is the Seguro de Arrendamiento (Rental Insurance) product, available as individual or collective policies backed by Zurich Colombia insurance. Complementary services include Renta 10 (guaranteed monthly rent payment on the 10th), Anticipo de Rentas (rent advances up to 10 months), and Admi10 (full property administration). Additional modules include Legal Defense (Defensa Legal), lease contract services, property repairs/remodeling, and moving services. The company also offers virtual office tools for real estate agents and tenant screening services. The portfolio is delivered through online platforms, physical offices nationwide, and integration with payment processors including PSE, Wompi, and Aval PayCenter.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro de Arrendamiento (Rental Insurance) Comprehensive rental insurance policy protecting property owners against tenant default, covering unpaid rent, legal costs, and property restitution. Offered as individual or collective policies in partnership with Zurich Colombia.
• Renta 10 Guaranteed rent payment service where Central de Arrendamientos pays the property owner on the 10th of each month regardless of whether the tenant has paid, assuming the risk of tenant default.
• Defensa Legal (Legal Defense) Legal defense and representation services for rental contract disputes, including assistance with conciliation hearings and litigation related to the rental agreement.
• Anticipo de Rentas (Rent Advances) Rent advance service providing property owners with upfront payment of up to ten months of rent to support cash flow needs.
• Admi10 (Integral Property Administration) Full rental property administration service covering tenant management, rent collection, maintenance coordination, and property oversight for a flat fee.
• Contrato de Arrendamiento (Lease Contract Services) Lease contract drafting and review services by experienced legal team, covering residential and commercial rental agreements in compliance with Colombian law.
• Otros Seguros (Other Insurance Products) Additional insurance products including Homeowners Insurance, Auto Insurance, and Small Business Insurance for property owners and tenants.
• Estudio de Solicitud de Arrendamiento (Tenant Application Study) Rental application study service evaluating potential tenants' creditworthiness, including background checks, income verification, and credit bureau reports through TransUnion integration. Available for natural persons and legal entities (persona natural y persona jurídica).
• Reparación y Remodelaciones (Repair and Remodeling Coordination) Property repair and remodeling coordination services to maintain and improve rental properties under management.
• Mudanzas (Moving Services) Moving services coordination for tenants transitioning into or out of rental properties.
• Oficina Virtual (Virtual Office for Real Estate Agents) Virtual office platform for real estate agents to manage their rental portfolio, access tools, and grow their business with Central de Arrendamientos support.
• Asistencias Jurídicas (Legal Assistance) Legal assistance services for policyholders, providing guidance on rental-related legal matters and support through the claims process.

Quantifiable outcome

• Over 80% recovery rate in rental portfolios
• +5 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Zurich Colombia (Zurich Seguros S.A.)coreTechnology or IntegrationZurich Colombia is the insurance underwriter for Central de Arrendamientos' rental insurance policies (pólizas de arrendamiento). The company acts as a provider/corredor, managing tenant studies, policy issuance, claims, and collections on behalf of Zurich. The partnership enables the guaranteed rent payment product (Renta 10) and provides full insurance coverage for landlords against tenant default.
• Lonja de Propiedad Raíz de BogotácoreStrategic or Co-development PartnerLonja de Bogotá is one of Colombia's leading real estate associations. The partnership provides Central de Arrendamientos with industry credibility, referral channels, and integration with the broader real estate ecosystem in Colombia's capital.
• Cámara de Comercio de BogotácoreStrategic or Co-development PartnerAwarding body for the Sello de Buenas Prácticas de Innovación certification in 2023. The Chamber also participates in the company's conciliation agreements, with over 1,000 agreements facilitated through commerce chambers across major Colombian cities.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Regional players

• La Haus: LATAM proptech (Colombia/Mexico) covering buying, selling, and rental management. Adjacent given its expansion into property management services for landlords in the same Colombian market.
• Houm: Colombian proptech offering property management, tenant placement, and landlord services in Colombia and Mexico. Competes for landlord wallet share with overlapping rental management and tenant screening capabilities.
• Properati: LATAM real estate marketplace with strong presence across Colombia, Mexico, Brazil, Peru and Ecuador. Relevant context for where rental demand originates and where tenants search for listings.

Direct peers

• TheGuarantors: US-based company offering rent guarantee insurance and security deposit alternatives to landlords, with integrated tenant screening. Closest international analogue to Central de Arrendamientos' Seguro de Arrendamiento and tenant study business.
• Rhino: Insurtech providing rent guarantee bonds and deposit alternatives to renters and landlords. Directly comparable product (security/guarantee for landlords) and integrated with property management platforms.

Emerging players

• Inmovilla: European proptech offering tenant scoring and rental guarantee services similar to Central de Arrendamientos' tenant study combined with rental default protection product.

Others

• TransUnion: Credit bureau providing the consumer credit data Central de Arrendamientos relies on for tenant screening. An enabling infrastructure partner whose credit-decisioning APIs underpin the application study process.
• Bancolombia: Colombia's largest commercial bank and Central de Arrendamientos' primary banking partner for rent collection. A distribution ally — and a competitor scenario for embedded financial services if it chose to bundle rental insurance.

Broad incumbents

• Zurich Colombia (Zurich Seguros): The insurance underwriter for Central de Arrendamientos' rental policies. Also broader P&C and life insurer with the capability to distribute rental insurance directly to landlords, making it both partner and potential competitor.
• Lemonade: Digital-first insurance carrier offering renters, homeowners, and pet insurance with a mobile-first experience. Represents the insurtech end-state Central de Arrendamientos could evolve toward as it digitizes policy issuance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC3N-qMH6MhEaYXxqDw0goJg
• Facebookfacebook.com/CentraldeArrendamientos
• Instagraminstagram.com/centraldearrendamientos
• Xx.com/centraldea
• LinkedInlinkedin.com/company/seguros-de-arrendamiento

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Central de Arrendamientos