Cooperativa Empresarial

What Cooperativa Empresarial does

Cooperativa Empresarial, R.L. is a privately held Panamanian savings-and-credit cooperative (cooperativa de ahorro y crédito) founded in 2014 and headquartered in the Bella Vista district of Panama City. The entity was constituted on September 17, 2014, with legal personality granted by IPACOOP (Instituto Panameño de Cooperativas) on October 1, 2014. It originated from the membership of A.Na.M.I.C. (Asociación Nacional de Mueblerías e Instituciones de Crédito), the National Association of Furniture Stores and Credit Institutions, whose members sought to bypass increasingly restrictive documentation requirements from Panamanian commercial banks. Operationally, the cooperative runs a multi-channel direct distribution model: in-person service at its Bella Vista office (Monday–Friday 8am–5pm, Saturday 8am–12pm), supplemented by phone, WhatsApp, email, and a marketing website (coopemp.com) with loan calculators and contact forms. A social presence on Facebook and Instagram supports top-of-funnel awareness.

The product suite is comprehensive and differentiated by member tier. On the liability side it offers savings accounts (with Navidad, Alfa, Empresarial, and Clasica sub-variants) and fixed-term deposits (Plazo Fijo) with a B/.10,000 minimum, 1–3 year terms, and rates of 3.00–4.00% for associates. On the asset side it operates ten loan and leasing products: Préstamo Ordinario (B/.1,001–B/.70,000), Préstamo Socio (up to B/.350,000), Préstamo VIP (up to B/.250,000), Préstamo Comercial (B/.5,000–B/.70,000), Préstamo de Autos (up to B/.30,000), Préstamo de Rápida Recuperación (B/.100–B/.1,000), Leasing Vehicular and Leasing Equipo (up to B/.150,000), Préstamo Hipotecario Comercial (up to B/.200,000), and Préstamo con Garantía de Ahorros (up to 90% of savings). Interest rates range from 6.00% (premium member loans) to 10.50% (third-party commercial), with preferential pricing for associates and retired members, and notably no FECI (Fondo de Estímulo a la Competencia Institucional) tax charged to associates. Disbursement SLA is ten days maximum.

The revenue model is a classic cooperative spread business. Primary income is net interest income from the loan book (transaction fees on origination plus interest on balances), supplemented by recurring insurance commissions from partnered carriers offering collective life and health products, and one-time membership and administrative fees (e.g., B/.350 association fee for natural persons). Customer segments are split between primary A.Na.M.I.C. members (natural persons and legal entities, including furniture retailers) and secondary third-party clients, with retirees served as a distinct persona at preferential rates. The cooperative reports 11–50 employees, operates only in Panama, and discloses no revenue, funding rounds, or M&A activity; it is supervised by IPACOOP and subject to Panama's Ley 81 data protection framework. There is no mobile app, no public API, and no documented AI/ML capability.

Name

Cooperativa Empresarial

Legal name

Cooperativa Empresarial, R.L.

Website

https://coopemp.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Cooperativa Empresarial, R.L. is a Panamanian savings-and-credit cooperative founded in 2014 and supervised by IPACOOP, offering savings, fixed-term deposits, multiple loan tiers, leasing, and partnered insurance to members of A.Na.M.I.C. furniture retailers and third-party clients in Panama.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Cooperative lending
• Savings accounts
• Commercial loans
• Equipment leasing
• Fixed-term deposits

Headquarters

HQ city

Bella Vista

HQ country

Panama

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on various loan products including ordinary loans, member loans, VIP loans, commercial loans, auto loans, rapid recovery loans, vehicle leasing, equipment leasing, and commercial mortgage loans. Interest rates vary by product type, loan amount, and borrower status (associate vs. client, retiree vs. non-retiree).
2. Insurance Products: Collective insurance products offered through partner insurance companies, including group life and health insurance.
3. Fixed-Term Deposit Interest: Savings accounts and fixed-term deposits paying interest to depositors, with the spread between lending and deposit rates generating revenue.
4. Membership Fees: Association fees of $350 for natural persons and documentation requirements for legal entities, along with administrative and handling charges on loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Cooperativa Empresarial, R.L. is a Panamanian savings and credit cooperative that provides a comprehensive suite of financial products to its members and clients. Its core offerings include savings accounts (Ahorros), fixed-term deposits (Plazo Fijo), collective insurance (Seguros), and an extensive loan portfolio covering personal loans, member loans, commercial loans, auto loans, quick-recovery microloans, vehicle leasing, equipment leasing, commercial mortgages, and savings-guaranteed loans. The cooperative is unique in admitting both natural persons and legal entities as members, with disbursements within a maximum of 10 days.

Product overview

Cooperativa Empresarial, R.L. is a savings and credit cooperative offering a comprehensive suite of financial products. The core offering consists of savings accounts (Ahorros) with multiple sub-products (Navidad, Alfa, Empresarial, Clasica), fixed-term deposits (Plazo Fijo), insurance (Seguros), and an extensive loan portfolio. The loan products are differentiated by purpose and borrower profile: Préstamo Ordinario for general needs, Préstamo Socio for premium members, Préstamo VIP for business liquidity, Préstamo Comercial for working capital, Préstamo de Autos and Leasing Vehicular for vehicle financing, Leasing Equipo for equipment acquisition, Préstamo Hipotecario Comercial for property purchase, Préstamo de Rápida Recuperación for small quick loans, and Préstamo con Garantía de Ahorros for savings-secured borrowing. The cooperative notably admits legal entities as members and provides disbursement within 10 days, with separate interest rate structures for members, retired members, clients, and retired clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Ahorros (Savings) Savings account products encouraging the savings habit with benefits tailored to members and clients. Includes sub-products such as Navidad, Alfa, Empresarial, and Clasica variants, available to natural persons and legal entities.
• Plazo Fijo (Fixed Term Deposit) Fixed-term investment deposits with a minimum B/.10,000 opening amount, terms of 1-3 years, compoundable interest, and the option to use as loan collateral. Available for both natural and legal persons with preferential rates for associates.
• Seguros (Insurance) Collective insurance products offered through partner insurance companies, including group life and health insurance with detailed benefit schedules available for members and clients.
• Préstamo Ordinario (Ordinary Loan) General-purpose loan for members and third parties ranging from B/.1,001 to B/.70,000 with terms up to 96 months. Associated capitalization required (3% for members, 10% for third parties) with interest calculated on balance method.
• Préstamo Socio (Member Loan) Premium loan product for associated members with amounts up to B/.350,000, terms up to 72 months, 100% financing, disbursed via Payment Promise Letter with automatic debit payment options.
• Préstamo VIP Liquidity financing for business operations for legal-entity members with payroll guarantee. Amounts up to B/.250,000, terms up to 60 months, with 100% financing available for members with 6+ months of membership.
• Préstamo Comercial (Commercial Loan) Working capital loans for businesses up to B/.70,000 with terms up to 72 months. Interest rates vary by loan amount and term length, with differentiated rates for associates and third parties.
• Préstamo de Autos (Auto Loan) Vehicle financing with up to 95% financing for amounts up to B/.30,000, terms up to 84 months, with insurance premiums split across loan installments.
• Préstamo de Rápida Recuperación (Quick Recovery Loan) Small loan up to B/.1,000 with terms of 9-12 months, secured by member savings contributions, available for quick refinancing at maturity.
• Leasing Vehicular (Vehicle Leasing) Vehicle leasing agreements with up to 100% financing, repaid via salary deduction or window payment, with the vehicle transferred to the cooperative as collateral.
• Leasing Equipo (Equipment Leasing) Commercial equipment leasing for electronics, medical, heavy, and industrial equipment. Financing up to 95% for members with terms of 3-5 years depending on equipment type.
• Préstamo Hipotecario Comercial (Commercial Mortgage Loan)

Quantifiable outcome

• Loan disbursements within maximum 10 days
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• IPACOOP (Instituto Panameño de Cooperativas)coreOthers · 17 September 2014Government regulatory body that supervised the formation and ongoing operations of the cooperative. IPACOOP provided guidance during the establishment process, approved the cooperative's personería jurídica on September 17, 2014, and continues to supervise the entity. The cooperative is supervised under Law 81 of March 2019 on personal data protection.
• A.Na.M.I.C. (Asociación Nacional de Mueblerías e Instituciones de Crédito)coreStrategic or Co-development Partner · 1 November 2013Origin association from which Cooperativa Empresarial emerged. A.Na.M.I.C. is the National Association of Furniture Stores and Credit Institutions whose members sought to create their own efficient financial services. The cooperative was formed to serve the financial needs of A.Na.M.I.C. members and their employees. The current A.Na.M.I.C. Board of Directors initiated the cooperative formation in November 2013.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Banco General: Panama's largest private commercial bank, offering deposits, commercial loans, consumer credit, and digital banking. Comparable as a broad incumbent competing for SMB and consumer credit demand that the cooperative also targets.
• BAC Credomatic: Major Central American banking group with significant Panama operations in deposits, consumer credit, and SMB lending. Comparable as a broad incumbent operating in the same Panamanian consumer-and-SMB credit market.
• Caja de Ahorros: Panama's government-owned savings bank, offering deposits, loans, and consumer financial services nationwide. Comparable as a broad savings-and-credit incumbent competing for the same retail deposits and consumer-loan demand as the cooperative.
• Banco Hipotecario Nacional: Panamanian government mortgage bank focused on property financing and home loans. Comparable as a broad incumbent in Panamanian lending, particularly relevant given Cooperativa Empresarial's commercial-mortgage product.
• Banco Nacional de Panamá: Panama's state-owned commercial bank providing full banking services including deposits, commercial loans, and mortgages. Comparable as a broad incumbent in the same Panamanian deposit-taking and lending market.
• Banistmo S.A. Major Panamanian commercial bank (Bancolombia subsidiary) serving consumer and corporate clients. Comparable as a broad incumbent competing for the same Panamanian deposit and lending customers.

Direct peers

• Cooperativa Juan XXIII, R.L. One of Panama's largest credit cooperatives, headquartered in Panama City. Directly comparable to Cooperativa Empresarial as a member-owned cooperative offering savings, loans, and financial services to a defined membership base under IPACOOP supervision.
• COOPEDUC, R.L. Panamanian cooperative serving an affinity membership (educators) with savings, loans, and financial services. Directly comparable as a member-owned IPACOOP-supervised cooperative with similar product mix and operating model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cooperativaempresarialpanama
• Instagraminstagram.com/cooperativaempresarial

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Cooperativa Empresarial