What BBTS Facilita does

BBTS Facilita is the digital debt negotiation portal operated by BB Tecnologia e Serviços (BBTS), a wholly-owned subsidiary of the Banco do Brasil conglomerate. The company performs extrajudicial debt collection services for Banco do Brasil clients through an omnichannel self-service platform — the Portal Facilita (facilita.bbts.com.br), WhatsApp, web chat, email, SMS, and telephone — enabling individuals and businesses to consult pending debts by CPF/CNPJ, compare personalized negotiation conditions including discounts and installments, formalize agreements online, and receive boletos for payment. The platform is supported by VIC (Virtual Inteligência Cobrança), an AI-powered virtual assistant providing 24/7 conversational guidance through the debt resolution workflow.

Underlying technology consists of the Portal Facilita web application integrated with Banco do Brasil's debt and customer systems, a WhatsApp Business chatbot (VIC), and VLibras accessibility integration for Brazilian Sign Language support. The platform is LGPD-compliant and integrates with the federal Novo Desenrola Brasil government program, which offers qualifying low-income debtors up to 90% discount, capped 1.99% monthly interest, and installments up to 48 times. Reported operational scale includes over 97.5 million (BRL) in successfully renegotiated debts, 11,700+ agreements through the Portal, and 26,000+ regularizations across all channels.

BBTS Facilita's business model is professional services: BBTS earns from debt recovery work performed for Banco do Brasil, with revenue mechanics tied to the parent's debtor portfolio. Pricing is personalized per customer profile and not publicly disclosed. The go-to-market is product-led growth and direct-to-consumer — users self-serve via the portal or are reached through educational content marketing, the BBTS Talks thought leadership series, and the BBTS Connect Itinerante regional event series. Customer segments include individuals with BB debts (primary), companies with CNPJ debts (secondary), rural producers/agribusiness (vertical), and low-to-moderate income individuals eligible for Novo Desenrola. Thought leadership initiatives such as BBTS Talks in partnership with media outlet Metrópoles reinforce brand positioning across finance, ESG, AI, and innovation themes.

Name

BBTS Facilita

Legal name

BB Tecnologia e Serviços

Website

https://facilita.bbts.com.br

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

BBTS Facilita is the official digital debt negotiation portal of BB Tecnologia e Serviços, a Banco do Brasil conglomerate subsidiary, serving Banco do Brasil individual and business debtors across Brazil through an omnichannel self-service platform with AI-powered WhatsApp and web assistance.

Ownership category

akta.pro rank

Product category

Debt Collection & Renegotiation Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

akta.pro secondary industries

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)

Keywords

• Debt renegotiation services
• Extrajudicial debt collection
• Debt negotiation portal
• Credit rehabilitation services
• Consumer debt management

Headquarters

HQ city

Brasília

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Extrajudicial Debt Collection Services: BBTS performs extrajudicial (out-of-court) debt collection services for Banco do Brasil clients. As a company in the Banco do Brasil conglomerate, BBTS handles debt recovery with security, responsibility, and commitment to customers. The Facilita portal is the digital channel for these negotiation services.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

BBTS Facilita provides extrajudicial debt negotiation and collection services for Banco do Brasil clients through the Portal Facilita digital platform and supporting channels. Customers enter their CPF or CNPJ to view pending debts, compare personalized negotiation conditions (including discounts and installment options), formalize agreements online, and receive boletos for payment. The service is complemented by VIC, a 24/7 AI-powered virtual assistant, and integration with the Novo Desenrola Brasil government program.

Product overview

BBTS Facilita is a debt negotiation platform operated by BB Tecnologia e Serviços, a company within the Banco do Brasil conglomerate. The core offering consists of the Portal BBTS Facilita web platform enabling CPF/CNPJ-based debt consultation and digital agreement formalization, complemented by VIC (Virtual Inteligência Cobrança) - an AI-powered virtual assistant providing 24/7 support via chat and WhatsApp. Additional service channels include phone (0800 729 2406) and email. The platform integrates with the government Novo Desenrola Brasil program offering preferential renegotiation terms. Thought leadership initiatives include BBTS Talks (webcast series) and BBTS Connect Itinerante (regional events).

Differentiator

Problem solved

Functional benefit

Brands

• VIC (Virtual Interactive Consultant): Virtual chatbot assistant available 24/7 to help users with debt negotiations, boleto issuance, and financial queries via WhatsApp and chat.

Products and services

• Portal BBTS Facilita Official debt negotiation portal of BB Tecnologia e Serviços for Banco do Brasil clients. Enables CPF/CNPJ-based debt consultation, personalized negotiation offers with discounts, installment agreements, and digital agreement formalization. Operates 6h-21h daily.
• Debt Renegotiation Services Extrajudicial debt collection and negotiation services for Banco do Brasil clients including debt consultation, personalized payment conditions, installment agreements, abatement negotiations, and credit rehabilitation support.
• Novo Desenrola Brasil Integration Government debt renegotiation program integration supporting Banco do Brasil clients with income up to 5 minimum wages. Offers up to 90% discount, 1.99% max monthly interest, up to 48 installments, and option to use up to R$1,000 from FGTS for payment.

Quantifiable outcome

• Name removed from SPC/Serasa within 5 business days after first payment
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• Banco do BrasilcoreStrategic or Co-development PartnerBBTS (BB Tecnologia e Serviços) is a company in the Banco do Brasil conglomerate that, among other services, performs extrajudicial debt collection for Banco do Brasil clients. The Facilita portal is the official digital negotiation channel. BBTS operates as the official partner responsible for debt collection and recovery services, aligning technology with humanized service for client convenience and security.
• MetrópolesflagshipGTM or Marketing PartnerPartnership for BBTS Talks events and BBTS Connect Itinerante. Metrópoles is a media partner that co-organizes these event series, providing editorial coverage and YouTube broadcast platform. Events focus on financial education, technology, innovation, and business topics, positioning BBTS as a thought leader in the financial services space.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Portal Z1 (ZoomCred): Brazilian debt renegotiation portal aggregating offers from multiple creditors, with a digital-first negotiation flow. Directly comparable to BBTS Facilita in product design and target debtor segments (CPF overdue accounts), differing mainly in creditor breadth.
• Acordo Certo: Brazilian digital debt negotiation platform that lets consumers consolidate and renegotiate overdue debts across multiple creditors. Directly comparable to BBTS Facilita as a self-service CPF/CNPJ debt renegotiation portal, though it serves a multi-creditor marketplace rather than a single bank.
• Serasa Limpa Nome: Serasa Experian's debt renegotiation marketplace, offering discounts and installment plans across banks, retailers, and telecoms. A direct competitor to BBTS Facilita with significantly broader creditor coverage and brand reach, but operating as a neutral aggregator rather than a single-creditor captive tool.
• Quero Acordo: Brazilian debt negotiation and recovery platform serving both consumers and companies across multiple financial institutions. Directly comparable to BBTS Facilita in extrajudicial collection workflow and self-service CPF/CNPJ debt consultation.
• Negocie Já: Brazilian online debt negotiation platform enabling consumers to simulate and close debt agreements with multiple financial institutions. Directly comparable in product-led, self-service negotiation UX targeting CPF debtors — same core workflow as BBTS Facilita, broader creditor base.

Broad incumbents

• Serasa Experian: Brazil's dominant consumer credit bureau and broader financial services platform, parent of Serasa Limpa Nome. Comparable as a wide-scope incumbent operating credit reporting, debt negotiation, and identity services — provides the macro context BBTS Facilita operates within.
• Banco Pan: Brazilian digital-focused bank offering consumer credit, payroll loans, and debt renegotiation products. Comparable to BBTS Facilita as a Brazilian financial institution running its own debt regularization channels, operating in the same competitive set of CPF/CNPJ renegotiation flows.
• Boa Vista SCPC: Brazilian credit bureau offering consumer credit reports, scoring, and debt negotiation solutions. Comparable to BBTS Facilita as an incumbent data-driven debt recovery platform, with multi-creditor portfolio aggregation beyond BB's captive scope.
• Recovery (Brasil): One of Brazil's largest debt collection and credit management firms, providing extrajudicial and judicial recovery services for banks, retailers, and fintechs. Broader incumbent offering BPO-style collection at scale, overlapping with BBTS Facilita's debt recovery mission but with multi-client scale.

Emerging players

• Creditas: Brazilian fintech offering secured consumer loans (home equity, auto equity) and credit-adjacent products. Thematically adjacent to BBTS Facilita through credit rehabilitation and consumer financial health positioning, though primary business is origination rather than recovery.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bbts-facilita

Compliance1 record

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 BBTS Facilita