GVC Soluções em Cobrança

What GVC Soluções em Cobrança does

GVC Soluções em Cobrança is a Brazilian debt recovery services provider founded in 2015 and headquartered in São José do Rio Preto, São Paulo. It operates as a wholly-owned subsidiary of Empresas Rodobens, a diversified Brazilian conglomerate with more than 65 years of history across financial services, automotive retail, and real estate. GVC specializes in the recovery of guaranteed non-performing credit, serving three primary client verticals: banks (Bancos), consortium operators (Consórcios), and property developers/real estate companies (Incorporadoras). Its portfolio of named clients includes tier-one institutions such as Bradesco, Itaú, Banco Safra, Sicredi, Volkswagen, Hyundai, Localiza, and Magalu, alongside captive Rodobens affiliates such as Banco Rodobens, Banco Mercedes-Benz, Banco Stellantis, and RNI.

The company's core product, "Soluções em Cobrança Humana e Digital," combines specialized human negotiators with digital collection processes operating from a centralized Negotiation Center (Central de Negociações). It covers the full secured-credit recovery lifecycle — from friendly negotiation and guarantee repossession through asset resale — applied to automotive financing, real estate financing, and consortium plans (both contemplado and não contemplado). A complementary product, "SAÚDE FINANCEIRA GVC," is a borrower-facing financial-health program co-developed with SuperRico (founded by financial educator Gustavo Cerbasi) that offers defaulting clients personalized financial planning at no cost, aimed at debt regularization and restoring purchasing capacity.

GVC operates a sales-led, direct enterprise go-to-market model, with relationship-driven acquisition via phone (0800), WhatsApp, and email, supported by an organic LinkedIn and Instagram presence. Revenue is generated on a contingency / transaction-fee basis: GVC recovers credit and sells repossessed assets on behalf of clients and retains a portion of recovered value as fees. The digital layer is assembled from third-party technology partners (Olos, Robbu, Vonex, MessageCenter, Gamefic, Lemit, Quita+, GoSAC) rather than in-house proprietary systems. Within three years of operation, the company reported recovering more than 4,500 guarantees and selling more than R$200 million in repossessed assets.

Name

GVC Soluções em Cobrança

Legal name

GVC Soluções em Cobrança

Website

https://gvcsolucoes.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

GVC Soluções em Cobrança is a Brazilian debt recovery services firm and Rodobens subsidiary that recovers guaranteed non-performing credit for banks, consortium operators, and property developers across automotive, real estate, and consortium portfolios via a hybrid human-and-digital collection model.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Repossession Services (561491)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYBPAAAEAB

Third-Party Debt Collection Agencies (Consumer & Commercial)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYBPAAAEAE

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

Keywords

• Debt collection services
• Credit recovery solutions
• Guarantee repossession services
• Consortium debt management
• Automotive financing recovery

Headquarters

HQ city

São José do Rio Prêto

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Recovery Services: GVC generates revenue by recovering unpaid credits for clients (banks, consortiums, and property developers) through friendly negotiation and asset repossession. The company recovers guarantees from delinquent borrowers and sells repossessed assets, retaining a portion of the recovered value as fees.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

GVC Soluções em Cobrança is a Brazilian debt collection and credit recovery services company that helps banks, consortium operators, and property developers recover non-performing loans with guarantees. The company combines human expertise with digital processes across automotive financing, real estate, and consortium segments, handling the full recovery lifecycle from friendly negotiation to guarantee repossession and asset resale.

Product overview

GVC Soluções em Cobrança operates as a collection and debt recovery services company offering solutions in human and digital collection. The core product is the Soluções em Cobrança Humana e Digital service, which specializes in negotiating, recovering, and reselling guarantees from defaulted clients in the automotive financing, real estate financing, and consortium segments. The SAÚDE FINANCEIRA GVC add-on program provides financial health support and debt regularization services to help defaulted clients restore their purchasing capacity. The company serves Banks, Consórcios (consortium operators), and Incorporadoras (property developers), focusing on rapid cash generation for clients through standardized processes and agile collection strategies.

Differentiator

Problem solved

Functional benefit

Products and services

• Soluções em Cobrança Humana e Digital (Human and Digital Collection Solutions) Collection and debt recovery solutions combining human expertise with digital processes, specializing in guarantee recovery for defaulted clients in automotive financing, real estate, and consortium sectors. The company negotiates, recovers, and resells assets to generate cash flow for financial institutions, consortium operators, and property developers.
• SAÚDE FINANCEIRA GVC (GVC Financial Health Program) Financial health program developed in partnership with SuperRico (co-founded by Gustavo Cerbasi, a reference in financial education in Brazil) that offers personalized support through a Financial Planner, providing confidentiality, financial organization tools, and debt regularization assistance to defaulted clients at no cost.

Quantifiable outcome

• Recovered more than 4,500 guarantees from delinquent borrowers in three years
• +1 more outcomes

Named customers16 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Rodobensflagship (parent company)Strategic or Co-development PartnerRodobens is the parent company providing 65+ years of tradition and expertise. GVC was created in 2015 as a synergistic and complementary business to Rodobens' activities in financial services, automotive retail, and real estate sectors.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Grupo Recovery: Brazil's largest independent debt buyer and recovery operator, purchasing portfolios from banks and retailers and recovering via in-house and outsourced channels. Directly comparable to GVC in business model (third-party recovery, fee/commission on recovered value) and customer base (large Brazilian financial institutions).
• BKO: Brazilian business process outsourcing firm with significant debt collection operations serving large banks and telcos. Comparable to GVC's human-plus-digital collection model and enterprise B2B sales motion.
• CERC (Central de Recuperação de Crédito): Brazilian credit recovery and collections operator serving banks, telecom, and retail creditors. Directly competes with GVC in third-party consumer debt recovery across similar customer segments.
• Ativos S.A. Brazilian company specializing in credit recovery and management of non-performing loan portfolios for financial institutions and retailers. Closely comparable to GVC's third-party collection and asset recovery model serving banks and large corporates.

Others

• TIVIT: Large Brazilian end-to-end BPO and digital services provider, with adjacent capabilities in customer management and collections support. Comparable to GVC in delivering outsourced services to financial institutions in Brazil, though not specialized in credit recovery.

Broad incumbents

• EOS Group: International debt collection and receivables management firm with operations across multiple continents. Comparable in service line (third-party recovery) though primarily serves European markets.
• Intrum: Global leader in credit management services, including debt collection and asset recovery across Europe and select emerging markets. Comparable to GVC in core service offering but at much larger scale and broader geographic footprint.
• Serasa Experian: Brazil's leading credit bureau, which also offers collection and recovery services through its broad data and analytics platform. Overlaps with GVC's collections business but operates at much larger scale with proprietary credit data assets.

Emerging players

• Lemit: Latin American (Argentine-originated) debt collection and negotiation platform using digital outreach. Listed as a GVC partner; comparable via shared mission to digitize debtor negotiation in the region.
• Quita+: Brazilian debt buyer and recovery platform that acquires portfolios and recovers from consumers, often via digital channels. Listed as a GVC partner; comparable through shared focus on Brazilian consumer NPL recovery.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gvc-solucoes
• Instagraminstagram.com/gvc.solucoes?igshid=YmMyMTA2M2Y=
• Facebookfacebook.com/gvc.solucoes

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 GVC Soluções em Cobrança