What Cobracom does

Cobracom (legal name COBRACOM COBRANÇA INTELIGENTE, CNPJ 03.203.517/0001-76) is a privately held Brazilian debt collection and credit recovery agency founded in 1980 in Brasília and now operationally headquartered in São Paulo. It serves two interlocking customer segments: B2B creditor companies seeking outsourced non-performing loan (NPL) recovery, and the long tail of individual debtors (consumers) whose obligations are being collected. The company operates three core service lines — Cobrança Extrajudicial (amicable collection), Cobrança Digital (digital/self-service collection with AI), and Recuperação de Crédito (comprehensive credit recovery) — supported by the Portal de Negociação, a 24/7 self-service web portal where consumers can check debts via CPF/CNPJ, simulate agreements, and generate boletos or PIX payment slips. The portal is assisted by LIA, an in-product AI chatbot that delivers text-based personalized negotiation messages, and is reachable alongside phone support and a dedicated WhatsApp business channel.

The technology stack is a multichannel consumer-facing platform (web portal + WhatsApp + phone) backed by bank-grade SSL encryption and LGPD-compliant data handling. Cobracom publishes financial-education content through the "Comunica Cobracom" blog and the "Saia do Buraco" program, which function as top-of-funnel acquisition assets for debtors and indirect credibility signaling for B2B clients. The business model is transaction-fee based: Cobracom charges creditor companies for collection services (typically a percentage of recovered amounts or per-agreement fees under negotiated B2B contracts), while individual consumers access the negotiation portal free of charge. No public pricing tiers or fee schedules are disclosed. The company reports "millions of agreements closed annually" through the platform, indicating meaningful transaction volume, and employs 11–50 staff across its Brasília and São Paulo offices (Brasília hosts hybrid data analyst roles aligned with the digital transformation agenda). No funding rounds, M&A, or external institutional investors are disclosed in the source material; the company appears to be self-sustaining and organically grown over its four-decade history.

Name

Cobracom

Legal name

COBRACOM COBRANÇA INTELIGENTE

Website

https://cobracom.com.br

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Cobracom is a privately held Brazilian debt collection and credit recovery agency, founded in 1980 and headquartered in São Paulo, serving B2B creditor companies via transaction-fee NPL recovery services and individual debtors through a 24/7 AI-assisted self-service negotiation portal, WhatsApp, and phone channels.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Recovery Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

akta.pro secondary industry

Consumer Credit Counseling & Budgeting (FSAEAFAA)

Keywords

• Debt collection services
• Credit recovery
• Extrajudicial collection
• Digital debt negotiation
• NPL recovery Brazil

Headquarters

HQ city

Brasília

HQ country

Brazil

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services: Cobracom generates revenue by providing debt collection and recovery services to creditor companies. The company charges fees for extrajudicial collection, digital collection, and credit recovery services. The business model involves negotiating debts on behalf of creditors and collecting payments from debtors, with fees typically charged as a percentage of recovered amounts or as service fees per agreement.
2. Digital Negotiation Platform: Self-service portal enabling debtors to negotiate directly, generating value through automated agreements and reduced operational costs for creditors.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Cobracom provides debt collection and credit recovery services to creditor companies and a self-service negotiation portal for individual debtors. The portfolio spans extrajudicial amicable collection, digital collection via a 24/7 AI-assisted portal, and comprehensive credit recovery with legal support, supplemented by multichannel access (WhatsApp, phone) and a financial education program (Saia do Buraco).

Product overview

Cobracom operates as a debt collection and credit recovery company offering three interconnected service lines: Cobrança Extrajudicial (amicable collection), Cobrança Digital (digital/self-service collection with AI), and Recuperação de Crédito (comprehensive credit recovery). The Portal de Negociação serves as the consumer-facing digital platform enabling 24/7 self-service debt negotiation, which is powered by LIA AI assistant. The Saia do Buraco program provides financial education content. The company combines human expertise with digital tools to serve both creditors seeking recovery and consumers seeking debt resolution.

Differentiator

Problem solved

Functional benefit

Products and services

• Cobrança Extrajudicial Amicable (extrajudicial) debt collection service for creditor clients, featuring friendly negotiation by a specialized team and cost-reduction strategies aimed at recovering receivables without litigation.
• Cobrança Digital Digital collection solution combining a self-service portal, multichannel communication, and AI-powered automation to enable debt recovery at scale for creditor companies.
• Recuperação de Crédito Comprehensive credit recovery service for creditor clients, including in-depth debtor analysis, personalized recovery strategies, and legal security throughout the process.
• Portal de Negociação 24/7 online self-service negotiation platform enabling individual debtors to check debts via CPF/CNPJ, simulate payment agreements, issue boletos or PIX, and resolve pending obligations with autonomy and discretion; powered by the LIA AI assistant.
• Saia do Buraco Financial education program by COBRACOM offering practical step-by-step modules to help consumers reorganize their finances, negotiate debts, and build a tranquil financial future.

Quantifiable outcome

• Millions of agreements closed annually through the platform

Segments2 records

Ideal customer profiles2 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

Seven partnerships are on record, tiered minor.

• WEGLOTminorOthersPartner logo displayed in NOSSOS PARCEIROS section. No specific details on partnership nature or collaboration scope provided on the website.
• InfluenceminorOthersPartner logo displayed in NOSSOS PARCEIROS section. No specific details on partnership nature or collaboration scope provided on the website.
• MONCEAUminorOthersPartner logo displayed in NOSSOS PARCEIROS section. No specific details on partnership nature or collaboration scope provided on the website.
• TSEminorOthersPartner logo displayed in NOSSOS PARCEIROS section. No specific details on partnership nature or collaboration scope provided on the website.
• COUDACminorOthersPartner logo displayed in NOSSOS PARCEIROS section. No specific details on partnership nature or collaboration scope provided on the website.
• flomodiaminorOthersPartner logo displayed in NOSSOS PARCEIROS section. No specific details on partnership nature or collaboration scope provided on the website.
• MERCURYminorOthersPartner logo displayed in NOSSOS PARCEIROS section. No specific details on partnership nature or collaboration scope provided on the website.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Serasa Experian: Brazil's largest credit bureau with an integrated 'Limpa Nome' debt-negotiation product used by millions of consumers; competes with Cobracom's debtor-facing portal while also serving as a major source of creditor-side data and portfolio originators in the same collections value chain.
• Boa Vista SCPC: Brazilian credit bureau with consumer-facing debt resolution services and creditor-side risk analytics; overlaps with Cobracom on debtor outreach and extrajudicial collection while operating at meaningfully larger scale.
• SPC Brasil: National credit bureau serving retailers, financial institutions, and consumers; offers debt-related products adjacent to Cobracom's recovery services and competes indirectly for both creditor mandates and debtor traffic.

Direct peers

• Quero Quitar: Brazilian online platform focused on helping individual debtors negotiate debts and consult credit bureau status; competes with Cobracom for the same consumer persona using a self-service model.
• Multinegia: Brazilian contact center and debt collection BPO providing extrajudicial recovery, telemarketing, and customer service operations to creditor clients across multiple verticals.
• Total IP Soluções: Brazilian debt recovery and contact center operator offering extrajudicial collection, NPL management, and BPO services for creditor companies in financial services and retail.
• AeC (Atendimento Exato Contact Center): Large Brazilian BPO/contact center operator with dedicated debt recovery and customer service practices for financial sector clients; competes for the same B2B creditor outsourcing mandates that Cobracom targets.
• Acordo Certo: Brazilian online debt-negotiation platform that aggregates portfolios from multiple creditors and offers self-service settlement to debtors; directly comparable to Cobracom's Portal de Negociação in target audience, model, and channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cobracom-cobranca-e-assessoramento-comercial

Compliance1 record

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 Cobracom