Garantisa

What Garantisa does

Garantisa (legal entity: FGS FONDO DE GARANTIAS S.A.) is a Colombian specialized guarantee fund headquartered in Bucaramanga, Santander, with 29 years of operational history since founding in 1997. The company provides Avales y Garantías — financial guarantees that back credit operations by replacing the requirement for a co-debtor or physical collateral — to credit institutions, cooperatives, employee funds, educational institutions, and real-sector businesses throughout Colombia. In parallel, Garantisa operates a multi-phase debt recovery franchise (Cobranza Preventiva, Administrativa, Pre-Jurídica, and Jurídica) covering the full delinquency lifecycle, plus a CDT early buyout service providing individual liquidity within 48 hours, and a risk management consulting line.

The company's technology infrastructure centers on the SICOE transactional portal for existing guarantee clients, an e-Collect payment integration for collection management, and proprietary risk protocols designed to minimize documentation defects in guarantee execution. GTM is relationship-based B2B sales led by a direct advisory team across Colombia, supported by digital content channels (Garantisa Educa blog, virtual events, social media presence) for thought leadership. The Credyty fintech partnership and Fondeadores capital-provider partnership announced in June 2026 represent the company's move into a multi-party educational financing ecosystem, complementing the direct guarantee model.

The revenue model combines recurring guarantee fees (subscription/recurring model on guaranteed amounts) with portfolio recovery service fees (professional services), CDT purchase-and-resale margins (transaction fees), and consulting fees. Pricing is quote-based and not publicly disclosed. Reported cumulative scale metrics include over $4.2 trillion COP in guaranteed credits mobilized, 640,000+ operations processed, 350,000+ people and microenterprises benefited, and a $600 billion COP active portfolio. No public funding rounds, M&A activity, or disclosed revenue figures are present in the available data.

Name

Garantisa

Legal name

FGS FONDO DE GARANTIAS S.A.

Website

https://garantisa.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

51–100 employees

Short description

Garantisa (FGS Fondo de Garantías S.A.) is a Colombian specialized guarantee fund, founded 1997 and headquartered in Bucaramanga, that provides financial guarantees, multi-phase debt recovery services, CDT early buyouts, and risk consulting to cooperatives, educational institutions, and businesses across Colombia.

Ownership category

akta.pro rank

Headquarters

HQ city

Floridablanca

HQ country

Colombia

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Guarantee Fees: Fees charged for providing financial guarantees and avales that back credit operations. Revenue generated as a percentage of guaranteed amounts for cooperatives, educational institutions, and businesses.
2. Portfolio Recovery Services: Collection and recovery services for delinquent accounts including administrative, pre-legal, legal, and preventive collection. Fees charged for managing and recovering outstanding portfolios.
3. CDT Purchase and Negotiation: Purchase and negotiation of Certificates of Deposit (CDT) before maturity date, providing liquidity to clients. Revenue generated through favorable CDT acquisition and resale.
4. Risk Management Consulting: Advisory services analyzing risk factors affecting businesses and developing strategies to minimize them. Consulting fees for personalized corporate finance advisory.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Garantisa (FGS Fondo de Garantías S.A.) is a Colombian financial guarantee fund that issues financial guarantees (avales) to back credit operations on behalf of cooperatives, employee funds, educational institutions, and businesses, replacing the need for co-debtors or physical collateral. The company also provides multi-tier portfolio recovery services (preventive, administrative, pre-legal, and legal collection), purchases Certificates of Deposit (CDTs) before maturity to deliver liquidity within 48 hours, and offers risk management consulting and a transactional self-service portal (SICOE).

Product overview

Garantisa is a Colombian financial guarantee fund (FGS Fondo de Garantías S.A.) headquartered in Bucaramanga, operating as a specialized risk management and guarantee institution with 29 years of experience. Its core product portfolio consists of Avales y Garantías (financial guarantees for credit protection against debtor default), Recuperación de Cartera (multi-tiered debt recovery spanning preventive, administrative, pre-legal, and legal phases), and Compramos tu CDT (early CDT buyout providing liquidity in under 48 hours). The company also offers risk management consulting and a self-service transactional portal (Sicoe) for existing clients. These offerings serve the cooperative/credit union sector, educational institutions, and the real/business sector across Colombia, with national coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Avales y Garantías (Financial Guarantees)

Quantifiable outcome

• Over $4.2 trillion COP in guaranteed credits mobilized
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• CredytycoreTechnology or Integration · 10 June 2026Fintech partner providing technological infrastructure for credit administration, fraud prevention, collection management, and portfolio administration. Credyty handles the digital operational layer while Garantisa provides guarantee backing for educational financing ecosystems.
• Financial Sector (Fondeadores)coreStrategic or Co-development Partner · 10 June 2026Capital providers/funders in the financial sector who will be able to purchase educational loan portfolios once students graduate, returning liquidity to universities. Part of the educational financing ecosystem alongside Garantisa's guarantees.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allianz Trade (formerly Euler Hermes): Global leader in trade credit insurance and surety bonds, with operations across LatAm. Comparable as a broad incumbent offering overlapping guarantee and credit protection products, though at much larger scale and with multinational client base.
• Bancóldex: Colombian development bank offering guarantee and credit products for SMEs and exporters. Overlaps with Garantisa in providing risk mitigation for institutional lending, but operates as a much larger development finance institution with a wider product portfolio.
• Atradius: Global credit insurance and surety company with regional operations. Competes in the same space of commercial credit guarantees and risk management, particularly relevant to Garantisa's Sector Real (business) clients.
• Coface: French multinational credit insurance and surety provider with a strong presence in Latin America. Overlaps with Garantisa in credit risk mitigation and guarantee solutions for businesses, but operates as a global incumbent rather than a domestic niche specialist.

Direct peers

• SBS Seguros: Specialist surety and credit insurance company operating across Latin America, including Colombia. Directly comparable as a surety-focused insurer underwriting bonds and guarantees for institutional and commercial clients, competing head-to-head in the avales market.
• Fondo Nacional de Garantías (FNG): Colombia's state-backed national guarantee fund providing credit guarantees to SMEs and microenterprises. The most direct comparable to Garantisa, operating in the same product category (aval/garantía) and serving overlapping Colombian institutional segments, though with a broader national policy mandate.
• Aseguradora Solidaria de Colombia: Colombian insurance company focused on the solidarity economy and cooperatives. Directly comparable to Garantisa in serving cooperatives, employee funds and similar solidarity-sector clients with risk and credit protection products.
• Segurexpo: Colombian surety and credit insurance company underwriting guarantees, fidelity bonds and credit-related products. Directly comparable as a Colombian surety specialist serving institutional clients with avales and related risk solutions.

Regional players

• IDB Invest: Private-sector arm of the Inter-American Development Bank providing guarantee facilities and credit risk mitigation across Latin America. Comparable as a regional guarantee provider focused on financial inclusion and SME credit access, though operating at a development-bank scale.

Emerging players

• Credyty: Colombian fintech partner of Garantisa providing digital infrastructure for credit administration, fraud prevention and collections. An emerging player in adjacent credit technology whose partnership with Garantisa highlights both collaboration and potential competitive overlap in the digital credit stack.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/garantisa
• YouTubeyoutube.com/channel/UCpaw67FEVfF2Yx6tMqB5lEg
• Facebookfacebook.com/somosgarantisa
• LinkedInlinkedin.com/company/garantisa
• Instagraminstagram.com/somosgarantisa

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 Garantisa